23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, XXXX  and Transunion all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX is reporting addresses I never lived at and are tied to questionable accounts. My address is stated on my government-issued ID. Information other than my personal accurate information is being used to " validate '' these accounts, a violation of my rights. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX missed payments on XXXX XXXX XXXX XXXX for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX missed payments on XXXX XXXX  credit card for the dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  credit card is a 100 % settled account. Settled with 3rd party and is supposed to be removed from credit report This things need to be removed from EXPERIAN, XXXX and XXXX credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have been paid and are incorrectly showing which is harming my credit report. Also XXXX XXXX is showing incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported an invalid collection account on my credit report. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with them. They did not provide me with the original application like I requested. After submitting a complaint with the XXXX  they informed the XXXX and myself that they notified the CRAs that they were suspending collection activities as the debt had not been validated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, XX/XX/XXXX, XXXX, and XX/XX/XXXX I had late payments and a C/O reported on my Account for Acct Number : XXXX for XXXX XXXX  XXXX According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transaction between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information on my consumer report.
Product: Mortgage

I have tried to negotiate with the lender XXXX XXXX to modify our loan to get back to date. We have been applying for six years and the bank continues to deny my loan modification. The lender informed me that they will not even take my income into consideration. I am trying to take responsibility for my loan and the lender refuses to help me do so. Please help me since my daughter is XXXX ill and delicate and we can not loose our home for her.
Product: Vehicle loan or lease

I made 35 out of 37 payments, lost my job and tried to use my remaining funds in my 401K to purchase the vehicle. I was advised I had to pay over {$8000.00} to pay the vehicle off even though the care total finance amount was {$11000.00}. The company sold the vehicle and then the remaining balance to XXXX XXXX, and they are now trying sue me for over {$3000.00}. This company went as far as removing my credit history from XXXX as if I never existed and said I missed numerous payments. I have already filed a complaint with FTC, and the Consumer Protection Agency.
Product: Debt collection

This debt is from a procedure that was approved to be paid for in full by insurance at the time. Debt collector came back after 2 years and claimed I owed the money. There was never any acknowledgement of the debt.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information reported by XXXX XXXX on my credit reports from TransUnion, XXXX, and XXXX. Despite my previous dispute, the information remains incorrect. According to the Fair Credit Reporting Act ( FCRA ), the information must be accurate and verifiable. I request the deletion of the inaccurate information due to the following discrepancies : Account Number : TransUnion and XXXX report : XXXX XXXX reports : XXXX Date Opened : TransUnion reports XXXX XX/XX/XXXX XXXX and XXXX report XXXX XX/XX/XXXX High Credit : TransUnion reports XXXX {$980.00} XXXX reports : {$0.00} XXXX reports XXXX {$960.00} Credit Limit : TransUnion and XXXX report XXXX {$500.00} XXXX reports XXXX {$0.00} Last Reported Date : TransUnion and XXXX report XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Date Last Active : TransUnion reports XXXX XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Date of Last Payment : TransUnion and XXXX report XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Two-Year Payment History : XXXX shows consistent " CO '' ( Charge Off ) status for XXXX, whereas XXXX shows multiple " OK '' statuses during the same period. 

Despite my previous dispute, I still disagree with the accuracy of this information. These discrepancies violate FCRA Section 611 ( 15 U.S. Code 1681i ). I request the CFPB 's assistance in ensuring these inaccuracies are corrected or deleted from my credit reports with TransUnion, XXXX, and XXXX.
Product: Debt collection

they have calling me time and time again even when I have told them not to call me any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022
Product: Debt collection

I have a collection on my Transunion credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma offered pre-approval credit cards and I was denied and it dripped my credit score
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my loan on XX/XX/year> and was advised that if I paid, then my account will be settled and my reserve funds would be release to me. as of XX/XX/year>, I messaged in and ask why my account was not settled or why my reserve account not released to me. I was told that they would look into it and get back to me. I called on XX/XX/year> and they advised me that there was a glitch in the system and that the problem should be taken care of and someone will reach out to me by Friday, XX/XX/XXXX. I waited and no one called me and I called into customer service. The lady told me the same information and that there was nothing she can do to escalate my issue. She said that by Monday, XX/XX/XXXX, my account should be satisfied and my reserve funds should be release. She said that there shouldn't ben an issue with her company fixing the glitch. I told her to email me what she was saying for my records. This morning, Monday, XX/XX/XXXX, the issue was not resolved and I called back customer service. The agent told me that there was glitch and she doesn't know when it will get fixed. I told that I needed to have a supervisor call me back because they are not providing me any information. They were also telling me that there was nothing they can do. I told her this was bad practices for a company and that sounds like fraud of what they were doing. She said that a supervisor will be calling me, but has yet to call me. Today is day XXXX of when I paid my account, the account is not satisfied, and my money reserves are not release to me.
Product: Checking or savings account

Dear CFPB, I have a Health Saving Account ( HSA ) with Bank of New York Mellon ( my account ends in XXXX ). These are federally administered accounts. There should be NO monthly fees on this account. For the past 10 years, Bank of New York Mellon has been charging me and other millions of Americans almost {$5.00} per month. This is fraud. Please contact this bank and ask them to stop this and they should refund this monthly fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy under the bankruptcy laws of the United States, discharged in XX/XX/XXXX. In that bankruptcy was an account with XXXX XXXX. Since then I have been rebuilding my credit, paying all bills on time with no issues when I get an alert that XXXX XXXX reported my account in XX/XX/XXXX as a write off. Coincidentally they tried to collect from me 30 days ago when I reported to them I filed for bankruptcy. 

I disputed the line item with experian explaining this should have been included in bankruptcy protection - they responded by saying that XXXX XXXX confirmed it was a valid report - how can they do that? Anyone can clearly see the account was included in bankruptcy. 

Please help as this is a violation of my rights as a consumer and Experian is a joke. I called them - you can barely get through and then they gave me a number to call that just loops you right back. I tried to do their online chat, sat there for almost a hour then they say they are too busy right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I received a letter regarding my USBank XXXX XXXX credit card month ago, and said it's under review and access is limited. After calling them they told me account is closed, and there is nothing they can do WITHOUT ANY REASONS. I have this credit card for almost 6 years and everything is in good standing, and still have about {$50.00} in rewards that haven't redeemed yet.
Product: Money transfer, virtual currency, or money service

I have my phone but haven't money transfer to online transactions for my bank
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and it is showing multiple inquiries from XXXX XXXX and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I recently had my loan transferred from XXXX to Mr. Cooper. Mr. Cooper was to process my first mortgage payment on XX/XX/XXXX. I have since submitted several payments to them via both their online portal ( mrcooper.com ) and via phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each one of these payments has been reversed for seemingly no reason. When I contacted Mr. Cooper, their representative informed me the reversal was due to " insufficient funds. '' However, when I checked with my bank ( XXXX XXXX ), they informed me that was not the case and that they hadn't negated any payment from going through to them. At this juncture, I have also been charged late fees and payment reversal fees from Mr. Cooper resulting in a total of {$120.00}. I feel that being penalized for their grueling incompetence is absolutely absurd. 

I have reached out to Mr. Cooper several times, as well, and have yet to receive a response or a solution to my issue. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am beginning to worry that their inability to process my payment may negatively impact my credit score and potentially lead to other economic issues in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2022 I sent a personal letter to Experian credit bureau asking them to remove the following inquiries that I did not authorize on my credit report. It is XXXX and I have yet to hear back from Experian about the information I requested that they look into. 

Here is a list of the inquiries I sent over to them Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

On XX/XX/2022 at XXXX I was denied auto loan of {$39000.00} by Toyota XXXX. I requested the salesman for a letter that states the reason my loan was denied, the salesman refused to provide me with the letter. I requested to speak with the salesman manager, the manager refused to show me the letter then I told him I have the right to know the reason for my loan denial. He went back to his office and few minutes later, he came back with a letter stating Insufficient credit history I told the manager that I have had credit for over 2 years and I have been approved for $ 50000.00+ loans before, bought cars before without credit score and with credit score and I now have an excellent credit score. Also, I told them that my current auto loan is with Toyota Financial Sevice so not sure why Toyota would deny my auto loan this time. From the beginning of my visit, the salesman seemed like he had an issue with me not sure why, but he was rude to me. I asked them if I need to get a co-signer and they said no and walked away. I love Toyota and I have always had great experience with Toyota but this time at Toyota XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im reaching out because my belongings were stolen from me two days after XXXX XXXX XXXX XXXX XXXX XXXX XXXX my belongings included my phone, the person who stole my belongings had access to my phone and I never knew they made any unauthorized transactions until today. After getting law enforcement involved they were able to investigate and track my phone down several days later. I got my belongings back on XXXX XXXX XXXX XXXX  I didnt think to check my bank statement to see if any money was missing. I went to pay my rent and I noticed that there was thousands of dollars missing, they made several unauthorized transactions on my account without my knowledge. On XXXX XXXX XXXX, they sent XXXX XXXX payment to their self of {$2100.00}. On XXXX XXXX XXXX they did an XXXX XXXX balance add of {$300.00}. On XX/XX/XXXX they sent two different payments to their chime account, at XXXX they sent {$1.00} transfer to the name of XXXX XXXX XXXX at XXXX they sent another money transfer of {$550.00} to the name of XXXX XXXX XXXX I have gave all this information to my lawyer and the local authorities, they are building a case and this is currently under investigation. The person who stole my belongings also stole money from my account using my phone and they sent money transfers to their mobile number and to their chime account. I reached out to chime about the situation, I am also filing a lawsuit now because my lawyer has to sue chime if they refuse to refund me the money that was stolen from me. The local authorities have been notified and this is currently under investigation right now. I have shared this to all social media platforms and thousands of people are now aware of the situation and I have informed them to not use chime because of this situation. I would like my money back please, I cant pay my rent or bills because of this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account was open on XX/XX/2018 Account was reported as unpaid medical {$120.00} I have no contact information I would like to know what services I had to accrue the amount of {$120.00}
Product: Credit reporting or other personal consumer reports

A company called TomoCredit advertises on reporting credit lines. I had paid five months for this service. However, Tomocredit has not reported to any of the credit agencies. I have brought this issue to Tomocredit several times, and nothing has been done. Tomocredit has scammed me and is not returning my money.
Product: Checking or savings account

on XX/XX/2022 a transaction was made to a utility company that wasn't made by myself and the bank sent me an alert. Because of this I looked at all the transactions and found numerous transactions that wasn't made by myself and filed a claim with my bank. They denied the claim including the one they sent an alert for. I called them and they reopened the claim, yet they denied it again. These charges were not made by me or anyone I knew but because I stated my debit card was always in my possession they denied me. I have contacted some of the merchants and they have agreed to the transactions being fraudulent but I was told my bank has to start a request for the transactions and they would return the funds to my bank. I sent an email explaining this but still have not heard a response from my bank. I don't believe they investigated the transactions because they stated that the transactions they could view was valid.