23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) 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 a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

Statefarm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting

Georgia State Tax Lien was placed on my Trans Union credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Trans Union but the refuse to remove the lien.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  and XXXX XXXX  on XX/XX/XXXX with a balance of {$270.00}, an personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$330.00} that appears related to the aforementioned account opened at progressive insurance. These accounts have resulted fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 Section 602 A. states I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Hello, I have a wells fargo credit card through XXXX department store and I went to the wells fargo website looking for financial help by consolidating my dept into one payment so it would help me. But this is what i got instead. They figured out how much credit that could allow me which was {$3000.00}. Then they took the entire amount and made a payment to my Wells Fargo XXXX credit card. Now I have two payments that i can not afford. This is bait and switch tactics and it should be illegal. On top of that they will not give me an option to give that credit applied to my other card back to close my account. They got me in a situation THAT I CAN NOT GET OUT OF.
Product: Debt collection

In  XXXX  a Debt collector was take the money from my paycheck, to pay off a sams credit account that went in with to collections in  XXXX . is now  XXXX  I am trying to refi my home and it tuns out that I have a linn against me from sa m 's  with a bal. of  XXXX  +, with out my knowledge sam 's club recall the account when there was still a balance. it has been there f or four yea r and no body ever contacted me about it. I been calling them since  XXXX   XXXX  to send me and the title company the pay off bill. but for some reason they been ignoring my request it is now almost a month and all I get from them is that they will send it again but it will take from  7 to 10  days. this is costing me. since interest rates went up I wast able to close escrow and now I have to pay a higher rate because of them.
Product: Credit card

Today XX/XX/year> I received a card in the mail that I did not sign up for. The company is netspend.com. It is a XXXX  debit card. I called Netspend and asked why I received it and was told it was a promotion and to throw it away. I probed the agent further and asked why I received the card, and the agent asked for the card number. They then told me the card was active. When I asked to close the account immediately and that I never opened it, the said they would. When I asked for proof in writing or via email they said they can't do that.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX credit card open last year when I was under age and I never knew about it. This year ( XX/XX/2024 ) I have dispute it off my credit report and it have been investigated as accurate but it still affecting my credit and I did not open this account.
Product: Credit reporting or other personal consumer reports

The Equifax agent deleted my two accounts in dispute that were resolved. These 2 accounts were paid in full and I requested for the dispute remarks to be removed for the sake of my mortgage loan process, but instead, the agent deleted my two accounts which caused my score to decrease and is now affecting my mortgage loan process!
Product: Debt collection

LVNV FUNDING LLC is reporting inaccurate, harmful collection information on my credit report. 

I do not owe XXXX XXXX XXXX any debt as the debts were charged off and closed/settled. My consumer information was SOLD to debt collection LVNV FUNDING LLC - RESURGENT - by XXXX who XXXXre privately held FOR PROFIT companies. 

LVNV FUNDING LLC did NOT provide me with the original contracts for the original creditor, XXXX XXXX XXXX. They are attempting to collect debts that no longer exist as well as are reporting MONTH OVER MONTH each account as LATE and are DEFAMING MY CHARACTER. 

LVNV FUNDING LLC is a DEBT BUYER. I do NOT have nor have knowledge of any contract with them. They are not the original creditor. Aforementioned, the debts were charged off and closed/settled by original creditors. 

ACCT NAME : LVNV FUNDING LLC ACCT # : XXXX XXXX : {$1100.00} ACCT NAME : LVNV FUNDING LLC ACCT # : XXXX AMT : {$1400.00} I DEMAND THESE FRAUDULENT DEBT BUYERS DELETE THEIR ACCOUNTS FROM MY CREDIT REPORTS AND FROM XXXX, XXXX, AND XXXX IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently noticed that there were a few accounts om my credit report that were not opened by me and then learned that unfortunately i was the result of identity theft/ XXXX field the necessary documents and sent them off to the credit bureaus with my identification attached. It has been over 2 months and they have not responded at all. I filed all of it over again but I also found out that they only have a few days to block the information in the case of identity theft and they didn't do any of what they were supposed to do. The accounts here are fraud. I need you to please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false information and to claim that verification was done on two accounts listed on my credit report as collections. XXXX XXXX XXXX is an unknown company on my credit report. It appears they are a bottom feeding debt buyer and has falsely claimed that I am in collections with them. I don't know who this company is I have never had dealings contracts or applications with this company. There is nothing tying me to this company with my signature, never an inquiry as to obtaining their services and I have no account dealings with them. I have asked experience to verify and validate this company. They claim they have completed and investigation and have verified this account. They have not done any of the sort. This is fraud and this is destroying my credit report. I have no collections on my credit. All of my accounts are in good standing and Experian continues to perpetuate false reporting. I believe this is because of my race and because I am a single XXXX mother. This needs to be deleted. Also regarding XXXX financial. They continue to report that I have late payments. I know this information is false because previously it was reported that XXXX and XXXX were the late payment dates, now it's reporting that XXXX and XXXX are the late payment dates. There are no late payments with this vendor. My credit history with them since 2018 has been on time every single month.
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX month in XXXX the car was finance at XXXX XXXX ( XX/XX/XXXX ) 26 % interest rate. I have calculated every payment sent to Santander Consumer USA total XXXX as of today. Every payment I made my balance was getting higher not lower. The payments I push I still made payments that month. Santander taking my payments placing them toward the interest of loan or split payments. Some payments I will send certified checks for XXXX still balance not going down requesting extra payments go to principal. Santander say I owe another XXXX plus another 6payments will be {$2900.00} payoff is XX/XX/XXXX. There is a class action lawsuit against them taking advantage customers giving high interest rate. Knowing you will default on loan, file for bankruptcy, late payments, and or vehicle be repossessed. I constantly have file disputes with all 3 Credit bureaus because Santander has reported several time my payments are late when they wasnt. Hurting my credit scores. Just recently my credit was close to XXXX. My credit went down 21pt because Santander reported my payment late for this month and last month. That was corrected but I'm still suffering. XX/XX/XXXX Santander still was saying I owe XXXX. I have send 3 certified letter requesting a audit on my account with audit lawyer. Santander still havent returned my phone calls. Santander threat with certified letter to repossessed the truck final payment XXXX the final payment do not match what is owed XXXX. 

Start sending extra payments XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX Total payments I made XXXX as of XX/XX/XXXX Santander agent XXXX I spoken to on XX/XX/XXXX I requested again audit on account. She states that I paid on record call XXXX interest XXXX principles XXXX late fee Payoff XXXX remaining XXXX total payment on a XXXX car XXXX finally given me information for class action but I learn when I called I wasnt added. Santander has Loan Forgiveness and Car Title and Deficiency Waivers which they are not giving me information about it. 
SantanderconsumerUSA.com/topic/agsettlement.com class action lawsuit New pay off date XX/XX/XXXX XXXX Balance as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted " XXXX XXXX XXXX '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file! 
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 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, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Product: Debt collection

On XX/XX/2018 I sent Diversified Consultant a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. Diversified Consultant Responded by sending me Itemized list of alleged charges they claim I owe and not what I ask to validate the debt. Diversified Consultant sent me a letter claiming they contacted the creditor and confirmed the data is correct. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. In my validation of debt letter with this company I ask for specific. The amount of debt ; Please provide me a verification of judgement if any ; Proof that they are licensed to collect debts in my state, and other specifics they could not or would not provide. I also notice Diversified Consultant was still reporting a collection on my credit report with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I called this company again to complain that this collection does not look like its mine but that continue to give me the run around. I have documented all conversation and my letters I have sent them and the credit bureaus. If this company continues to report this miss leading information than will leave me no choice but to seek legal advise.
Product: Credit reporting or other personal consumer reports

equifax slows up investigations by sending stall letters over & over again! i have proved my identity many times! stop sending stall letters and complete investigations!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXXXXXX XXXX XXXX reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from XXXX XXXX that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my XXXX history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Mortgage

My name is. I am writing in regards to the problem I have been experiencing with Seterus, which owns my mortgage. My account loan number is. I moved out of my home on XXXX XXXX, XXXX due to a pending divorce. I returned to the house in XXXX of XXXX to resume residency as my ex wife had moved out. My ex wife did not pay the XXXX or XXXX XXXX mortgage, so I paid the mortgage for XXXX XXXX prior to moving into the house XXXX XXXX, XXXX. I received the statement that said the amount owed was approximately {$10000.00} at the time I moved back in which included the present month 's mortgage, which was {$21.00} .... I made XXXX payments in XXXX and XXXX in XXXX of XXXX to catch up the XXXX missed payments. Although I caught up, they continued to tell me and list that I was behind XXXX more payments. 

I had repeatedly asked the same questions to numerous people on the phone at Seterus and requested paperwork to explain what the remaining balance was after making double payments. I had been quoted various balances over the phone and on paperwork, but no one could tell me what the detailed balance was. I have been told in the past that the balance stemmed from missed payments. I again requested statements from as far back to when Seterus first had the account, but could not find any late payments on record, yet I was paying late charges and my credit rating stated the mortgage was delinquent. I went back and forth with Seterus throughout XXXX to find the missing payments with no accurate statements to show missing payments. However, in the meantime, I was still and currently am paying late charges each month continually since XXXX XXXX. 

I received a letter from Seterus on XXXX XXXX, XXXX after requesting information on the balance again around the middle of XXXX XXXX. The letter I received on XXXX XXXX, XXXX informed me that the balance owed was {$3200.00} ( {$2700.00} was interest and {$490.00} for Property Inspection Costs that I know nothing about. ). There was no mention of the {$4300.00} listed as late payments that was listed on the monthly statement. The paperwork that I have been receiving has conflicting balances of what I owe and why I owe it. They still have not cleared up any late or missed payments. Their records are unclear, newly created and conflicting. I still have no record from them showing missed payments, yet my credit is listed as delinquent and they continue to charge me late fees. In addition, the clerks on the phone are uninformed and no past record or notes are available to them from my many phone conversations and paperwork I had sent to them. I have to continually restate my grievances and request information on why the account is delinquent. Now I have a letter with new bizarre charges. Please help me clear up this mess with Seterus. I have exhausted all my avenues without a successful solution. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, XXXX XXXX ( XXXX ), medical audit