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

In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) Equifax, XXXX, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, 2022 I did not request this Card Please Remove from My Credit Report
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be blocked and deleted from my credit file : Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish this request is made under the privacy protections afforded to me by 15 U.S. Code 6802, and following required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX  XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX  Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Product: Debt collection

XXXX Bless On XX/XX/XXXX, I appeared via XXXX  in court with Judge XXXX XXXX The XXXX  meeting started at XXXX XXXX  with Judge XXXX XXXX, XXXX XXXX XXXX attorney for XXXX XXXX Co XXXX XXXX XXXX, who showed their faces. There were two other people on the XXXX meeting that I was not aware of under the screen names, XXXX XXXX XXXX. *They did not show their faces and their microphones were muted. 

The Judge asked the attorney would she like to talk to me before proceeding, she stated yes and then he asked me, I stated, No. The asked if there is anything I would like to state, I advised that I believe the case should be dismissed due to the fact that I was improperly served, the person that lives there now was served where I do not reside and that after I found out and was actually served the woman did not indicate who she was or why I am being sued. The attorney stated that I did live there in XXXX when the account was created. I also stated due to reason number XXXX, due to the account numbers do not match from what the attorney has ending in XXXX vs what I have ending in XXXX. The attorney stated that account numbers changes all the time. I stated that I did not live at that address in over 3 years and that if the account numbers changed then I would have been notified. The judge asked if there is anything else. The attorney and myself stated, no. the judge ruled in the plaintiffs favor stated that I would need to pay for debt and court cost. the XXXX  meeting ended at XXXX XXXX. 

***The meeting ended so abruptly that I had to call up to the court to see in what favor the judge went with. The lady on the phone stated that I have XXXX  days to appeal. 
I went up there to get the appeal in person the reps, XXXX stated that this is not a court of record and that the XXXX  calls were not recorded nor do they have transcripts. 

Prior to this at the original trial the attorney had told me a judgement would be filed against me anyway and that he would file a continuance so I should negotiate a payment.I sent the court and the attorney a letter and the evidence stating I would like to enforce my rights based on the FCRA to be able to verify the debt especially since I was not notified of my account changing, I do not recognize the debt, and I stated at the prior trial I am disputing this debt. The court emailed me back saying they received it on XX/XX/XXXX as well as XX/XX/XXXX. The attorney received it on XX/XX/XXXX. To this day I have not received any paperwork or documents proving this debt is mine or that it was properly verified. 

I can not afford the appeal fees and need guidance and help from you to reverse this incorrect judgement decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 8 times with EQUIFAX for the last 6 months that the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX listed on their credit report is not my formal address and they do not correct that, they have removed it once but by the next month it was listed again, because of that I received collection bill related to that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job a month before a payment was due, I called them and set up a payment plan with them to where I had two months for coronavirus leave because I lost my job over the coronavirus that I didnt have to make my payments till XXXX next thing I know they hit me for two months of late payments I called him up asked him what was going on they didnt make any notes in their computers about the arranged plan that I had with them they said as well it didnt go through so we could try again and do it again so we did that we went ahead and renewed the plan they asked for a payment of XXXX which I gave them and now theyre still expecting a payment for this month which Im going to do but as part of the plan that we had talked about last month and this month I wasnt supposed to make any car payments so something in their system is not getting updated when they do these things with me therefore I cant keep up on top of it not hitting my credit reports and its kind of driving me insane because every month Ive been talking to these people and nothing seems to be written down in notes nobody seems to see what someone else is done or talk to me about and its its very frustrating to work with a company that taking notes in their computer system and making the statements right as well one of the gentleman I talk to said that when I asked him about my credit being impacted by them he said " oh we have nothing to do with impacting late payments on your credit report '', we cant change that we cant do anything to help you and my biggest thing is what do you mean you cant help me fix the late payments or get off my credit report and what do you mean you guys dont impact my credit how does that make any sense I dont know. The late payments should've never been there and they aren't helping me. Please help
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Wells Fargo. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Mortgage

I close on a mortgage in XX/XX/2020 with XXXX XXXX. They have since sold the mortgage to Caliber Home Loans. At the closing, there was an approximately {$3000.00} that was to paid off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed three days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Then I got an unpaid tax for 2020. 
I tried to resolve the problem with XXXX XXXX  with no success. So I am putting the complaints with the current loan servicer Caliber Home Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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.

has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

I tried opening a Venmo account ( for my friends birthday - as advised by my friends )- and I filled in information - including my credit card information. Then a program popped up saying I was to pay {$50.00} per month to watch programs! I didnt sign up for this. My goal was to send a friend {$50.00} for her birthday- as my friends suggested that I use this program. I have never used it before. 

Now Im worried that I gave my credit card information to this company- which I think might be fraudulent. How stupid was I? 

Please advise. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2021 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. COLLECTION NAMES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THERE ARE ACCOUNTS AND INQUIRIES ON MY CREDIT PROFILE THAT ARE FRAUDULENT ACCOUNTS THAT I DID NOT INITIATE. THESE ACCOUNTS AND INQUIRIES MUST BE IMMEDIATELY REMOVED FROM MY CREDIT PROFILE. THESE ARE NOT MY OWN.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address this account which is reporting inaccurately as late payment on my credit report despite of my long-standing history of timely payments. This is clearly Inaccurate reporting. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.
Product: Student loan

In XX/XX/2008I was declared XXXX and tXXXX XXXX by SSI. I was unemployed and was having trouble repaying my loans. I was told I was out of all forbearance and deferments. I spoke to many customer service agents and at one time I began to plead and said that I was XXXX. All of a sudden I was put on hold and then they asked if I had proof and I said yes, so I sent them my letter from SSI which stated I was XXXX XXXX and that my case wasnt to be reviewed for 7 years. They then said they could put me on a special deferment and nothing more was said. Fast forward a few years, I found out that I had been eligible for complete and total forgiveness of my student loans due to my XXXX and the SSI letter I faxed them, and all of the information I had provided them. Not once was this information mentioned to me about XXXX   forgiveness. Instead I was put on continual deferments making my original loan payment balloon to more than twice what I originally borrowed. I feel this was just such a disgusting manipulation and intentional malice on the part of this company. Truly disgusting and dishonest behavior, to intentionally not mention that I had qualified for total forgiveness due to my XXXX XXXX which they were aware of. I had been unemployed and XXXX for many years. If I had known of this exception ; if I had been given this information by my loan servicer Sallie Mae, I could have applied for forgiveness, and due to me not being able to work for many years, my loans would have successfully been forgiven a long time ago. Many years later, I was able to receive proper medical help and have now recieved employment and am now off SSI, which is great. However, I now have a ballooned loan so big due to Sallie Maes special deferments for my XXXX that I will probably never be able to pay it off, and it angers me that this could have been forgiven years ago. Sallie Mae is a corrupt and dishonest company, and sucks money from and lies, even to XXXX people.
Product: Credit reporting or other personal consumer reports

I am following up and to bring to your attention a concerning matter regarding my credit report and the recent inquiry made by XXXX without my explicit consent.
Product: Consumer Loan

I have been fighting with Harley Davidson Financial Services since I was convinced by a misrepresentation of costs associated to finance a vehicle with them was done with me in 2012. Simple saying, I realized that this company is squeezing me with an absurd interest rates and I am simple tied with them to pay an absurd of interest. Which almost will make me pay the amount necessary to purchase XXXX of the vehicles at the final of the term. They had been irreducible and inflexible in almost every attempt I have done to solve the issue. I offered even returning the vehicle for them but the losses at my side of doing so is simple unacceptable. I am trying to renegotiate the loan with them at a reasonable, accepted interest rate or have a offer to purchase of return the vehicle that would be reasonable and fair. I already filled two different complains with the state of Florida financial services but they simple gave me the same responses I got directly from the company. I am pretty upset and feel myself unprotected, mistaken and frustrated. But I will not give up on my rights as a customer. I do n't know if because English is not my first language the sales person took advantage on me convincing that the terms were reasonable and fair at time of purchase. I am attempting to find finally a resort to protect my rights here with this agency
Product: Mortgage

I have been trying to restart my mortgage payment with Axos Bank and I am unable to speak to anyone with accurate information. I have received a letter of Acceleration from the bank despite my effort over the past twelve month to communicate with Axos Bank regarding my Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were reported on XX/XX/2022 as 90days late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.