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

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 181 SECTION 682 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report furnish an account without my written instructions.

15 6SC 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Product: Debt collection

I have dispute this collection acct # XXXX several times asking for validation of this debt and proof of my signature which i NEVER received. The company CBSA collections has not provided me with a copy of any viable evidence. Given that i believe this company is acting in bad faith and have violated federal and state laws by not responding with in 30 days of my last dispute on XX/XX/2018, and it is now well over 30 days from that date and no response or viable evidence was mailed to me. this is my late attempt to get this collection remove due to the company not complying with federal and state laws of the 30 day response window. If this acct is not removed with in 30 days of this complaint i will be filing a SMALL CLAIMS LAWSUIT as well as a Public Press Release against this company for breaking federal and state laws as well as FDCPA and FCRA as it states any information/ debt on your credit report must be 100 % accurate and 100 % verifiable or it must be DELETED. I have carefully collected my records, evidence, and receipts for court purposes due to CSBA 's noncompliance for the past several months. I have even disputed with equifax as well and CBSA verified the debt while i was still in dispute with them which shows they failed to comply with federal and state laws again when it states that " all collection activity and communication must cease during their dispute. '' This account must now be Deleted due to CBSA not following the laws and procedures set in place on the federal and state level. i hope this matter can be resolved outside of court but if not i will have to move forward with the next steps in the court process. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is listing incorrect information. I do not owe  XXXX   XXXX , I have contacted them and they verified that I do not have an outstanding balance with them. I have also submitted disputes with   XXXX   and Transunion and they failed to update and/or remove this inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax PXXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX
Product: Debt collection

XX/XX/year> {$230.00} this debt started with federal cash advance now they sold the debt to Lockhart , Morris & Montgomery inc. Now every other day I'm getting threating phone call and text messages from the company but they haven't sent me the original copies with my signature, the forward flow agreement no nothing. please have this company to remove my information..
Product: Debt collection

I dont even believe this to be my dad, I do believe this to be fraud for my past. Regardless of that we had already come to an agreement, they have not contacted me to make any payments, but I let them know I was going to be willing to set up a payment plan. 
They sent me what I believe to be paperwork to trick me to sign it, so they can send it to the court, and they are going to try to manipulate me into paying more than what we already agreed upon. 
This company is once again, making threats against me. 
They have not tried to properly contact me to set up a payment plan. 
They are threatening to put a lien on my property, I do not have any property though in my name. 
They are also threatening to try to make me pay more than what is owed, I have the proof in writing that payments were already made, and that I owe less than half of what they were originally trying to get me to pay. I also know for a fact that they were sending me fake court paperwork. 
They were also trying to manipulate me into signing documentation that they claimed they wouldve then sent to the court to cause me to pay more than what is actually owed. 
The remainder of the debt owed is only {$1000.00}, they pushed me to agree to {$1200.00} which is more than what is actually owed, and I agreed because they are so predatory and keep threatening me with court as well. 
At this point, I need to just get an attorney because I can not live like this any longer. 
I might have to file bankruptcy because of predatory companies like this.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

ACCORDING TO 15 U.S.C 1692c ; YOU HAVE VIOLATED MY RIGHT BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THIS COLLECTION ACCOUNT FROM MY CREDI REPORT. 


ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX, XXXX STATUS UPDATE : XX/XX/XXXX BALANCE : {$200.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX STATUS UPDATE : XX/XX/XXXX BALANCE : {$4900.00} :
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently submitted a dispute to experian in regards to 2 accounts on my credit file. 
the 1st account is XXXX XXXX - this company is reporting incorrect information on my credit file. I disputed it with all credit agencies it was being reported to as well as the company. It has already been removed from the other credit reporting agency but i feel Experian did not give me a fair investigation or right to dispute. This account should be deleted from my credit file The 2nd was against XXXX XXXX - this is a collection that does not belong to me. I have filed a FTC complaint and i have submitted it to the credit reporting agency and the company. The company sent me receipts from purchases but did not show anything that has my signature, id, or anything else that said i opened this account. I too disputed this with Experian and i feel that i was not given a fair investigation, especially since i feel this was a identity theft. This account was also reported in 2014 i disputed it then with the CFPB and it was removed now its being re-reported as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Transunion for the removal of unauthorized inquiries and Transunion did not respond in the 30 days outlined in the law. 
I received a response on XX/XX/2019 complaint XXXX # XXXX I requested Transunion investigate the fraudulent inquiries on my account that cause me to place a fraud alert on my reports on all three credit bureaus for unusual activity. 

Inquiries I requested for removal in XX/XX/XXXX letter are : 1 ). XXXX  XXXX. 
2 ). XXXX XXXX XXXX XXXX 
3 ). XXXX XXXX XXXX Even after submitting a direct letter from XXXX   XXXX XXXX stating for the record that they believe the inquiry with fraudulent and will request it to be removed on all credit bureaus reports. 

XXXX  immediately removed XXXX XXXX XXXX after acknowledging the letter. 

Transunion has yet to acknowledge this direct notification and remain to allow this fraudulent inquiry to impact my credit profile.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and Transunion are all reporting conflicting information concerning XXXX XXXX account opened in XXXX and other accounts that they refuse to investigate. This particular account is closed and is reflecting negatively on my credit. I have reached out to each bureau to correct this error, but have not been successful. The number of late payments should reflect exactly as the company reported from their system. However, the agents I spoke to on Tuesday, XX/XX/XXXX, stated that they would not be able to do anything about this. My last resort is to have the CFPB reach out to each bureau to request a proper investigation into this matter. I would like the addresses, names, and late payments to reflect accurately at each bureau. Also, I would like for my request to delete hard inquiries that I did not authorize. My information has been confirmed as compromised in the Equifax data breach and I am at risk for fraudulent activity.
Product: Prepaid card

I was using a Netspend prepaid card. I had reloaded the card and within an hour after loading funds on the card, I noticed that funds had been deducted from my card via text messages, which indicated my balance had changed. 
I contacted the Netspend to report the matter, and after makIng numerous attemps to get someone on the phone, I finally got through to someone in customer service to handle my complaint. 
I explained that I had received text messages indicating that I had noticed unauthorized activity on my card. 
The customer servuce rep., put me on hold while he looked up account activity and told me that there were international transaction that had been made on card. I explained ghat I had not made nor authorized any such transactions. 
The agent explained that a block needed to be put on card immediately. 
I informed the ageng that I needed to withdraw what remaining funds from card and that it was urgent that I do so, because I needed the funds right away. The agent told me my options were : ,that I had an additional card availible or if I knew someone that had a Netspend card who could receive funds for me. 
I did not know anyone with a Netspend card, which I inform the agent taking the call. I asked could the money be sent via XXXX XXXX, or, if I could purchase another card and call thd knew card number in. I was told no, so I ask if I could draw my remaiding funds off card via an ATM since I was near an exit where one was located.The agent agreed that I could withdraw funds from ATM while he was still on the other end of call. I arrived at location and informed represengive that I had arrived. Atfter telling agent I was at location go withdraw funds, he hangs up the phone. I was under the impression that he would stay online until trasaction had completed, this did not occur. The agent had hang up on me prior go my even reaching the teller machine. 
After again making numerous attemps to get someone on the phone and having go repeat my delima over and over, I was told that the card had been blocked and could not be unblocked, even though I was still at location where I could make withdrawal of funds remaining on card.I at this point demanded that card and account be closed and that a check be sent to my residence. At this point I didnt trust continuing any futher relation with Netspend, as I inform customer represenative.I was told it would take 10- 20. business days to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I initially filed a CFPB complaint against XXXX XXXX XXXX in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number 2:24-cv-00634-ACA against both Reliance First Capital and Dovenmuehle Mortgage Inc for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at XXXX XXXX XXXX stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and XXXX XXXX XXXX and Dovenmuehle Mortgage Inc have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while XXXX shows me as 30. 

XXXX is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across 3 credit reporting agencies by XXXX and XXXX March 2023-December 2023 and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised XXXX and Dovenmuehle on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of XXXX.
Product: Credit card

Goldman Sachs and Apple Card/Apple Support/Apple Services is severely MISHANDLING legitimate disputes. I was charged 6 times an amount of {$44.00} from a company called Neighbor Who on my Apple card from Goldman Sachs. on XX/XX/year> - once I realized this - I contacted Apple support to dispute these transactions. The dispute was filed and on XX/XX/year> - I received email notifications that all transaction disputes had been overturned and the provisional credit reversed. The note indicated that the transaction was " authorized ''. I reopened all disputes on XX/XX/year> - however, they were not noted appropriately with the proper DATE until XX/XX/scrub>XXXX XXXX XXXX That delay is not explained. IK AGAIN spent time indicating that NO they were not authorized. I explained that I nor anyone on my family sharing account initiated the charges. I explained that my account must have been compromised. Or that at a minimum this was fraudulent activity. The credit card company turned my account off at this time. Which is not a problem for me EXCEPT that I can no longer pay on the account- I don't know the balance or any other transactions coming in - and my credit is now being impacted negatively. I asked twice for the disputes to be escalated and they clearly were not. This is my third time filing another dispute. On XX/XX/XXXX, I was notified again that all charges would remain. They took over 60 days to respond to the latest complaint, they did not provide proof of service, and are now telling me I am approaching some sort of expiration date. They are DELAYING the research of my transactions so that they can CLAIM I missed a cutoff date somewhere.
Product: Credit card

My card was compromised I called and asked to close or freeze the card and send another card I never got the other card so the account was compromised twice
Product: Credit reporting or other personal consumer reports

Sold a home, and the Title company was supposed to pay off the remaining balance of the home. At this point I believed the deal was finalized. I received no notification of late payments from Mr. Cooper and believed it was closed. It was not until I attempted to gain a car loan that I was informed of late payments and a pending foreclosure. I reached out to Mr. Cooper who emailed me the loan records and the late payments. I then made contact with the Title company who at first stated that the loan had been paid. It was not until later that I discovered that the Title company failed to pay Mr. Cooper. I finally got the Title company to pay off loan, but Mr. Cooper stated it was not their fault and they would not remove the negative damage. This is after they became aware that it was the title company that was at fault. I have attempted to dispute it through XXXX who pretty much wasted a month to tell me what I already knew, the loan was paid off. My credit score went up XXXX points, but it did nothing to remove the negative report. My credit score is still not where it was. The title company is not taking responsibility. Mr. Cooper, who is aware that it is not my fault is refusing to do anything. I did nothing wrong, but I'm paying for everyone 's XXXX XXXX  The credit reporting companies won't do anything. And after a long discussion with them there is little they can do. Why they offer dispute resolution is beyond me. They can not and will not dispute a bad credit report. So don't waste your time with them.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

Someone has been applying for credit cards with Citizens Bank, XXXX XXXX, and XXXX. All of the applications were denied. However,. 
Thanks
Product: Credit reporting

I have disputed several times the validity of XXXX Student Loans that are reflecting late payments that are incorrect. I have disputed the late payments reflecting in my CR that are incorrect. Equifax is not abiding my the FCRA laws therefore violating my rights.
Product: Debt collection

Have been receiving repeated calls ( XXXX calls from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - see attached documentation ) from XXXX XXXX who is attempting to collect a debt from XXXX people with the same last name ( see attached document ). My wife spoke with them on XXXX and informed them that the number they are calling belongs to us. We received the number from XXXX when we switched from XXXX to XXXX. She requested that we be taken off the call list which they said they would do. They have not, and they are continuing to call us. As the attachment shows, we receive multiple calls on some days.