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

My dad used my social security number without my knowledge or permission to take out school loans in my name. I was informed that he has paid for my college, but as it turns out he just took loans out in my name. I was unaware of this until I learned what a credit report was earlier this year. When I asked my dad why i had over {$20000.00} taken out in my name he replied by telling me that I had nothing to worry about because everything was " paid up ''. I informed him that paid up is not the same as paid off. Combine that with I don't actually know what or where any of that loan money went to. At this time he has opened po box es in numerous states without my permission. I don't even know how to open or get a po box . I am being held financially hostage by my parents and they just continue to use my name and Social Security Number to sign me up for credit cards and insurances that I not only can't afford, but did not agree to be signed up for. My birth parents refuse to help me or tell me what is going on. 

When I originally filed, I was informed to file a police report. I emailed my local police, XXXX XXXX. They refused to tell me how to file a report or help me. They will not let me file a report as an officer who showed up at my house unannounced said " well we don't want to drag anybody off in handcuffs '' and if there's an emergency I should call 911. Since my original report I have heard complete radio silence from anyone and everything
Product: Vehicle loan or lease

I had XXXX  and was victim to XXXX  XXXXXXXX XXXX financial abuse and I placed an address change with post office and I asked for modifications due to situation loss in income health and delay in FAFSA. I was in shelter due to XXXX  XXXX, I did not receive notice to repo or options to modify the car sold to me was not the car I had asked for either and the repo man came in the middle of the night he made me give him my key told me I had to but I never received notice of where to go to pick up my car and why I couldn't get help with arrangement! I even had gap insurance and ask if I could cancel it and apply that to the unpaid loan and I was told no! This loan was upside down from the day I bought I got the car! I have photos of the vin number but don't know how I can get it back I want them to forgive this loan and remove it from my credit or return my car and modify the loan I asked for help as soon as I was struggling also.
Product: Debt collection

Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX XXXX  XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Puget sound Collections I personally wrote to them a letter of disagreement of all the bills from  2015  and anything prior to that I do have all the copies and when they were sent to the agency this was with an attorney involved there was not a single letter back from them and they did not write anything stating I owed these bills or anything, these bills should have been wiped from any credit report. there were over  XXXX  report number listed and I do have proof that they received them. They like I have 30 days to respond to me. They did not, I call them they do not respond, they are very rude. These are all medical and most of the medical work with my insurance company and make agreements to take certain dollars for the procedures. ANY AND ALL PUGET SOUND COLLECTIONS SHOULD BE REMOVED. If they want copies of the letters in which it does show the numbers listed in their files I will be happy to resend these to them.
Product: Payday loan, title loan, personal loan, or advance loan

I put in a complaint and the response of there is a sign is unacceptable. XXXX offered to pay me the {$24.00} out of her own pocket be as she knows they lied Also, I want a response on why I havent gotten a call back from XXXX. Ive asked several times and their response is we cant make her call. I want a call from the company and this resolved with a refund
Product: Vehicle loan or lease

I paid off my loan with Ally Financial and they still have my account listed as delinquent 90+ days instead of paid in full and they refuse to change the status. I have disputed this on my credit report numerous times and they are refusing to correct it.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
XXXX. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
XXXX. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
XXXX. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my to these so called debt collector to prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a secured loan with XXXXXXXX XXXX XXXX and it is currently reporting on XXXX, XXXX and Equifax. The payment history on my credit report is currently incorrect, it should show a total of 12 on-time payments starting in XX/XX/year> and ending on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

There data breach has put my information into XXXX XXXX databases, and serveral breaches which has limited my XXXX career because I have never been a member of XXXX XXXX or its websites. My Employment has been severly limited by there irresponsibility.How can I pass a competative credit check for a job with these alerts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE
Product: Credit reporting or other personal consumer reports

My accounts with DEPT OF ED/XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct as a result of possible fraud. According to 15 U.S. 1681c-2 ( block of information results from identity theft ), the following items must be blocked, however, I would like them removed because I did not authorize them. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are a result of fraud and the following companies are reporting them : 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 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 TransUnion 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 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 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

XXXX continues to submit an account that has been charged off over 5 years ago and the credit bureaus continues to update the information as though it just happen this year. The car was voluntarily surrendered in XX/XX/2018 ... ..No payments were made after XX/XX/2018 because employment was tremendously slowed with my wife business. The credit companies continue to allow XXXX to report this on our credit report to extend the length of time they are able to report this and We would like for it to stop immediately.
Product: Credit card

I applied for and was auto-approved for a credit card with Bank of America XXXX XXXX. A card was set to be mailed to my current and valid address in 5-10 business days. More than 10 business days have elapsed. A card never arrived. Bank of America 's website and app do not allow for me to report this new card being lost or to request a replacement be re-mailed. However all other attempts at reaching Bank of America customer service have failed. I have attempted to call their multiple phone numbers listed on their website or the back of other debit or credit cards I hold with them ( XXXX, XXXX, XXXX ). None have worked. Nor can I submit a written request or complaint on their site as nowhere do they list a customer support email address to contact. I am traveling currently and am not able to go into a branch location during business hours. I simply need to make get ahold of a customer service representative to report the card lost and request a replacement be mailed. This is a simple request, one I have easily made with other credit card issuer companies- XXXX, XXXX XXXX- on multiple occasions. With Bank of America, this simple request is impossible. I've attempted for more than two hours and have given up. Their credit cards business clearly does not have the safety and security of their customers in mind.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved. the consumer financial protection bureau CFPB has recently filed a lawsuit against XXXX, alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes These failures align with my experience where XXXX  has neither corrected nor removed or amend the dispute accounts as XXXX action, violates federal law and my rights as a consumer
Product: Bank account or service

Opened checking account with valid funds. Removed funds approximately 3 weeks later. Received first statement with around XXXX cents interest. Called phone center requesting closure of the account. Stated this could not be done with a positive balance. Was advised that she would give to her supervisor, and after 1 month fees would reduce to a negative balance. The supervisor would then waive the charges and close the account. 

Received two more statements with increasing fees. Balance now negative {$68.00}. 

Called phone center on XXXX. Advised they could n't " verify '' me even though I verified through their I 've. Offered transaction amounts ( only one deposit and check ). Was advised I 'd need to go into a branch because they could n't verify me. Asked to speak to supervisor. XXXX ( no last name or rep Id was given to me upon request ). Same piece given that they could see my account but nothing " on it '' so they could n't verify me. Offered any personal information and identified those XXXX transactions, but they would n't ask for anything, stating that I needed to go into a branch. 

advised that this seems like a systemic issue that they ca n't verify me ( or wo n't attempt ), and that the racking up of the fees seems wrong given the follow up not happening. Asked her to provide phone call to her leadership.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX that went bad on XX/XX/XXXX. XXXX and XXXX have removed this account because it was past the statue of limitations as of XX/XX/XXXX. Experian is reporting my last payment date as XX/XX/XXXX. I have no idea why they are reporting this as it is false. I have reached out to Experian numerous times and they will not verify where they got their information.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized hard inquiries that have appeared on my credit report. I did not apply for or authorized these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Excessive interest charges : charged {$15000.00} on a {$7600.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies Trans Union, XXXX, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from Trans Union and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.
Product: Mortgage

I called several departments within Nationstar Mortgage ( Mr. Cooper ), with respect to my escrow for a secondary policy on my condominium. 

I was advised that my escrow would be cancelled for my individual condo insurance policy because I did not wish to renew it. Then another rep told me it was required. I requested written proof that it is a condition of my mortgage. They provided me my note and no such statement was found in the note. I called again and they insisted it was required, but refused to provide me proof, and refused to transfer me to supervisors repeatedly. 

Now they intend to cancel my escrow and force place a policy on my mortgage ( no doubt at an inflated rate with a kickback as a reward ). Their utter lack of cooperation leaves me convinced this is a criminal operation. 

They told me the " research '' department could provide written proof of such a requirement. I requested that proof, and a confirmed response that it would be provided, and the document that it would be contained in. Nothing has come back from them and this group does not accept incoming calls. 

This organization is likely engaging in racketeering-like criminal behavior and an investigation should be launched.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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.