23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Mortgage

The Lender did not notify us or our homeowners association of the hearing on XX/XX/2018. Subsequently on XX/XX/2018 we filed a motion to vacate and met with the Court MAGISTRATE whom granted us the motion and the lender attorney admitted that we were never notified.

We submitted a complete modification package to the lender on XX/XX/2018 at XXXX XXXX However. The Servicer refused to provide information and provide us the legal contacting information to proceed.

On XX/XX/2018 at XXXX XXXX we faxed a completed package to the legal office and we did the first follow up XX/XX/2018 at XXXX XXXX XXXX and we were told that a completed package was received and was being reviewed with no questions at the moment to follow up in 48 hours ; we did several attempts contacting the legal offices to follow up and I was unable to speak with their loss mitigation department, I wrote an email on XX/XX/2018 at XXXX XXXX The same day at XXXX XXXX we received the denial response due to : 1. The complete retention package was not received ( we have faxed completed package to the lender and the legal office with fax confirmation receipt ) 2. More than 37 days before the scheduled foreclosure sale ( we dont have a sale foreclosure sale scheduled )
Product: Vehicle loan or lease

I bought a car at the car lot, from a dealership in XXXX on XXXX XXXX XXXX, called XXXX XXXX. XX/XX/XXXX i purchased a XXXX XXXX XXXX. The bank that financed me was XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ca XXXX. There phone number is XXXX. I drive off the lot with the XXXX XXXX XXXX. The car broke down less than a hour of buying it. I took the car back to the lot and gave it back to them. They insured me they would fix the car. Long story short a week goes by I don't hear from two weeks go by I don't hear from them and all of a sudden they went out of business. They had my car and my money that I put down for the deposit. I later found out that the same company that ripped me off kept a bunch of other people 's diwn payments. Now this car is sitting on my credit when I disputed it over and over and over, that i was scammed.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid with the agreement that it would be deleted from my credit. This account is with XXXX XXXX that was transferred to Midland credit to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. 
Account number for XXXX XXXXXXXX XXXX Please remove as agreed on.
Product: Credit reporting or other personal consumer reports

Greetings CFPB! 

I hope all is well. I filed two complaints ( Complaint # XXXX and Complaint # XXXX ) with CFPB, against XXXX, Experian, XXXX, and XXXX to dispute inaccurate consumer report entries and demand that all entry accounts be removed from all three ( 3 ) consumer reporting agencies. 

To ensure accurate information is reported, I received current consumer reports from Experian, XXXX, and XXXX ; reports generated between XXXX and XXXX, 2024. Upon my review of each report, I noticed that the accounts for XXXX XXXX XXXXXXXX were removed from XXXX and XXXX ; yet, still exist on my Experian report. 

XXXX reported inaccurate information to all three consumer reporting agencies, and those agencies did not perform its due diligence or quality review to ensure pure accurate information was reported by XXXX. Their actions violate 15 U.S. Code 1681 ( a ) ( b ). 

Experian, XXXX, and XXXX are regulated by the laws of the Fair Credit Reporting Act ( FCRA ) and currently, XXXX  ( XXXX ) XXXX accounts were not removed by XXXX and Experian, a direct violation of FCRA ; willful non-compliance, per 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o. 

Consumers lives are controlled by some aspect of what our background stories reveal and our credit worthiness, a term that is not defined by any code, statute, regulation, policy, or rule. However, businesses and every consumer reporting agency that exist are intentionally not abiding by codes, statutes, regulations, policies, or rules that protect consumers, like myself. Their intent to negatively impact consumers and not comply with laws that have been put in place, MUST be held accountable for their actions. 

I ask CFPB to review the two prior complaints ( mentioned above ) and re-investigate XXXX and Experians non-compliance to remove all XXXX entries from the Experian report because of the inaccurate information. I also seek the maximum fine for damages incurred ; actual and punitive. See attached, copies of the XXXX ( XXXX ) accounts that still exist on my Experian report. Invoices will be provided to XXXX, Experian, and XXXX XXXX XXXX, XXXX. ( Experian XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXXccount Number : XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to place a security freeze on credit reporting with Equifax for months. Their site online at https : //my.equifax.com will not let me sign in due to technical difficulties. I have approached Equifax about this problem through their recommended support channel ( their phone number XXXX ), but they are unhelpful. Each time they tell me that it's a temporary technical problem. Temporary technical problems don't last for months, but I guess I shouldn't be surprised since they were so effortlessly breached in 2017. I have contacted Equifax on XXXX via their handle @ AskEquifax, but I didn't receive help through this channel either. 

The way all of this works is incredibly messed up. I never agreed to be tracked by these para-governmental credit reporting agencies. Furthermore, when I wish to place a freeze on my information, I can not get help with doing so.
Product: Credit reporting or other personal consumer reports

I am victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the following : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This company, Forward Movement Recovery, has been calling my number for several months. They always ask for   XXXX   XXXX   ( spelling? ) and I am not that person nor do I know them. They call multiple times a week from multiple numbers. I tried blocking their number, but they just use a new number. I have spoken to at least 3 different people over the last 6 months telling them to remove me from their list. Each time they said they will do it and they have not. Going forward, I will keep a log of each time they call. Here is the most recent activity :  XXXX   XXXX / XXXX /2017  XXXX  Spoke with someone and they said they would remove me.   XXXX     XXXX / XXXX /2017  XXXX  No message   XXXX    XXXX / XXXX /2017   XXXX   No message  XXXX   XXXX / XXXX /2017  XXXX  Left a message asking for   XXXX   XXXX
Product: Mortgage

XXXX XXXX, 2016 CFPB : Bank of America took my ARM Notices of Interest Rate Change from XXXX XXXX XXXX, XXXX, IL XXXX. I need Bank of America to return all those to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Greetings XX/XX/XXXX XXXX XXXX closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by XXXX XXXX XXXX, Trans Union, and XXXX. These payments have been accurately recorded by these agencies as on time and satisfactory payment history. XXXX XXXX then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. XXXX XXXX has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XX/XX/XXXX XXXX XXXX continues to report to third parties as late and unsatisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I became aware of a credit reporting agency called XXXX XXXX Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX  XXXX and Navy Federal Credit Union are financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXX XXXXXXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with XXXX XXXX XXXX is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from XXXX XXXX XXXX. I am now opting out of any reporting services from Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX of 2023 Credit acceptance started to garnish my wage. The have still been reporting late payments to my credit report for XXXX yrs. I have filed a motion but nothing seems to be going in the right direction. I sent a certified letter for a 1681 no response. I even asked about it in court. I have not been able to pay my bills on time due to this.
Product: Payday loan, title loan, or personal loan

I Borrow {$500.00} Paid Off Then {$2100.00} Which Was12 Payments For {$120.00} So XXXX XXXX XXXXAnd The Other On White Truck Come Over And Went From {$470.00} Too {$650.00} And Said XXXX XXXX Might Could Buy It My Neighbors And I Don't Hang Around Them Then They Left
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed I had nothing to do with.
Product: Debt collection

On XX/XX/XXXX, I submitted a complaint to the CFPB about First Point Collection Resources, because this company is reporting a car insurance debt on my credit reports that does not belong to me. In FPCR 's response to my complaint, I was sent a document that claims to validate the amount owed, however, the document actually helps prove my case. My car insurance policy with XXXX XXXX was from XX/XX/XXXX- XX/XX/XXXX. Thus, my payments were do every month on XX/XX/XXXX. My last payment made on the account was on XX/XX/XXXX ( I paid the payment due on XX/XX/XXXX early ). Thus, I was covered from XX/XX/XXXX - XX/XX/XXXX. I cancelled my policy on XX/XX/XXXX via phone call and picked up a new policy on XX/XX/XXXX. This policy covered me from XX/XX/XXXX - XX/XX/XXXX. All things told, I cancelled my policy, prior to the end date of the coverage period of my last payment, and I also picked up new insurance policy that kicked in prior to the end date of the coverage period for my last payment. That being said, I do not owe XXXX XXXX a dime and I XXXX sure don't owe FPCR. I have attached the email confirmation from XXXX which shows when my new policy kicked in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. One was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX XXXX  account XXXX. Please have the company investigate this account. And finally XXXXXXXX XXXX XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.
Product: Debt collection

The amount owed was paid to XXXX XXXX on XX/XX/22, and this company is refusing to update my credit report with the correct balance being reflected as {$0.00} and the status of the account as paid in full. The digital receipt was provided along with the dispute filed with the credit reporting agencies and the current owner of the debt is refusing to update the correctly update the balance, violating my rights as reserved by the FCRA.
Product: Debt collection

Recieved a call on two different phone numbers from the same company stating that a credit card for Comenity bank XXXX lane bryant card stating that my account was being sent to civil court in my county. They stated the amount I could pay today or the amount it would cost me in court. The card in question was paid in 2018 and account closed. I told them the account had been paid they argued back stating it was going to civil court. I called comenity bank who had no record of this card as it has been pain and archived. I again called the company asking for the money they refused to give me their name and hung up. It was yesterday so I called them back after XXXX XXXX and it was an answering machine stating their name was XXXX XXXX XXXX  out of a different state. The phone numbers calling me were ( XXXX ) XXXX and XXXX XXXX XXXX phone number was ( XXXX ) XXXX. When I tried reaching out to that number to tell that company that someone was using their company to get money or debts already paid my call would not go thru. Also I must mention that when this person originally talked to me they did state this account was going into civil court in my county I did reach out to civil court in my county and they had no record of anything. Lucky for me I knew this account had been paid and I did not fall for their SCAM. Instead I reached out to Comenity bank and was told the account had been archived as it was paid and I reached out to my countys civil court office since the company did say my account had been sent there and a process server was going to be serving me. This company needs to be shut down for Scamming people. Not everyone thinks like I do to further investigate. Older people would have just given them the payment.
Product: Credit reporting or other personal consumer reports

Charge Off account.. yet still showing a balance on credit report.
Product: Debt collection

XX/XX/XXXX I rec 'd phone call from " unknown '' who turned out to be XXXX XXXX XXXX out of Illinois trying to collect a debt that was not my husbands debt, but his ex-wife 's. My husband never had a credit card in his name until XXXX. They told me, if I did not agree to the terms and give them a 'good faith ' payment today, they would garnish my husbands paycheck and put a lien on my car. Of course I got upset, not thinking straight and paid them {$100.00}. After further research on my part, I realized that this was a scam to collect an old debt. I called my credit card company, told them I was scammed, and that I need to cancel the card. This company has over 100 negative complaints against them on XXXX website, all complaints are about the company trying to collect on old debt. Then I realized that the last know activity on the account is from XXXX. I am awaiting a letter from the company. They stated they would be mailing me out one today.
Product: Student loan

My loan repayment has a due date of the XXXX but there is a 10 day grace period for late payments. I make my payments on or around the XXXX no later than the XXXX of the month. I continuously get back to back calls from their customer service center. The calls start at XXXX and end at XXXX : XXXX EST. On XXXX I was called at XXXX : XXXX and my payment has been paid for the month with the payment for next month XXXX XXXX XXXX scheduled in the system. I am tired of being harassed for the payment when I 'm on a payment plan. I 'm doing the best I can. 
Thanks
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX