23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX ''
Product: Mortgage

Please review XXXX, This two complaints are connected to this one. 

Please review my credit report and you will see under mortgages CMG Mortgage with a reported {$340000.00} and also XXXX XXXX  with a reported balance {$150000.00}. I live in the XXXX XXXX XXXX  where there is a state wide fraudulent crimes occurring against XXXX citizens. If you read my previous complaints and review my last ten years credit report and complaints it will help you to better understand my complaints. The above XXXX mortgages listed on my credit report are fraudulent. My two mortgage company 's named were CMG Financial not CMG Mortgage, and the second one was XXXX XXXX not XXXX XXXX XXXX. both reported balances is wrong. Placed conduct a computer study on my credit report from XX/XX/2011. You will find that I am telling the truth and your computer and statistics have been compromised. Also, I was unable to review my credit report for over a year. Recently, I was able to get into credit karma by going to the library and found the fraudulent changes. Also, recently I so my credit score was XXXX after reviewing I had no damaging credit marks against my score. In XXXX my credit score was XXXX. Please review this with pass complaints.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to 15 U.S.C 1681, and 15 U.S.C 1693 ( 2 ). 

Companies/Accounts 1.XXXX XXXX  2. XXXX XXXX ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE 15 U.S.C 1693a subchapter 2 - Explains identity theft and accounts reporting.

15 U.S.C 1681 section 602a- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
15 U.S.C 1681s-2 ( A ) ( 1 ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear CHRYSLERCAP, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003.

It has unequivocally come to my attention that CHRYSLERCAP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CHRYSLERCAP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CHRYSLERCAP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CHRYSLERCAP will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Student loan

Aidvantage keeps resending my payment. {$170.00} on XX/XX/XXXX and then {$340.00} on XX/XX/XXXX. And then they added a {$19.00} fee for late fees
Product: Credit card or prepaid card

A charge from XXXX XX/XX/XXXX was charged to a deceased person 's account. This individual has been deceased for over seven months. Her daughter ( me ) handling her affairs was unaware of the card 's existence until the statement was received in the mail. Upon calling XXXX I was unable to provide them with necessary information to locate the account nor reverse the charge. 

I called the credit card company and they refused to reverse the charge because the card was " closed after the charge occurred. '' Their estate department claimed they would proceed in trying to collect on this charge. While only {$120.00}, I find this ridiculous and appalling. How can you charge a dead person? 

I hope you can help, because the hour I spent trying to talk sense into them did not work. This all occurred today, XX/XX/2019 around XXXX. I spoke with XXXX initially who referred me to the estate team. XXXX in estate services. 

XXXX XXXX, supposedly a supervisor for XXXX, who gave me an id # XXXX who said that they would reverse the charge and transferred me to their dispute department. XXXX in XXXX, TX in the dispute department who said they would not reverse the charge, dispute the charge, and initially tried to say the account wasn't closed, and then said that the account was closed after the charge occurred therefore making the charge valid. XXXX refused to transfer me back to XXXX and stated that the id # given meant nothing. XXXX refused to transfer me to a supervisor. 

All names and information given about the people is all they would tell me. I did call back and speak to a random operator in the call center who verified that XXXX meant nothing to them and could not get me to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind. 

XXXX XXXX XXXX : Fraud! 
This account was open and used in florida at the time I was living and working in XXXX, Georgia Ability Recovery Service : Not mine! 
This is not mine and it shows up twice on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRADULENT ACCOUNTS AND SEVERAL FRADULENT INQUIRIES ON MY EQUIFAX CREDIT REPORT. I HAVE TRIED CONTACTING THE CREDITORS TO NO SUCCESS. 

FRADULENT INQUIRIES ARE XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRADULENT ACCOUNTS ARE XXXX DELAWARE XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I calked the company that sold the debt. They said that I had to talk to the debt collector. I called debt collector and told them the debt was wrongly assigned. They agreed that the debt was not mine but asked me to pay to get it deleted from my records. I said I will not pay them because its not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and TransUnion Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Payday loan, title loan, or personal loan

Money is being withdrawn from my account without permission, and they will not let me remove my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX CONSUMER ID : XXXX Dear Senior Officer, I, XXXX XXXX, hereby declare that XXXX XXXXXXXX XXXX has defamed my reputation by reporting several accounts. Furthermore, XXXX XXXX XXXX keeps slandering and abusing me. I hope you can righteously restore my reputation and help me recover from this grevious crime committed by this institution by deleting all inquiries and accounts from XXXX XXXX XXXX. 
Sincerely, XXXX XXXX
Product: Debt collection

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have a collection on my report that is not mines can you please remove this fraudulent account from XXXXXXXX XXXX of XXXX dollars was opened XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I cosigned for a private student loan XX/XX/XXXX for my brothers wife. They split up soon after and divorced XX/XX/XXXX. She has paid the loan and been behind on payments as well. The loan has gone from XXXX XXXX to Navient. It 's has been XXXX years. She had also put the loan in deferment, I believe for 2 years .This I did n't know about until recently. She is grossly behind on her payments and Navient is coming after me. My credit score has taken a nose dive. I had excellent credit XXXX now to XXXX. I should of been released from this mess along time ago. The divorce alone should of been enough. I have never made any payments for her and we do n't stay in contact. I have n't spoken to her in 9 years. Now I have to contact her to see what has been going on. This loan should of been on its way to a pay off point or fairly close. Her balance is XXXX. What has she done in nine years? Now I 'm paying for it literally. I have not paid a bill late in XXXX years and I took pride in having great credit. Now I 'm contesting my credit score with XXXX and XXXX. This is crazy how in 2-3 months a person can be ruined. Well I 'm fighting back this is not even close to being right or final. I do pay my bills and I mean my bills. Navient needs to work with her instead of going after someone else for payment. She was making little payments like XXXX to XXXX a month claiming that is all she can afford. Now is n't that better than the loan going into default and getting nothing at all. I know one thing I want to be released from this loan and I wo n't be making this on time payment. I have never made one payment for her and I wo n't start now. I have helped my daughters in the past with student loans and they managed to pay them off themselves. I 'm not related or know this person anymore. Help what can I do? Is there anything? My ex sister in law has agreed to try to have me removed from the loan. Not much of a chance in that I 'm sure.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX  XXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XX/XX/XXXX and XX/XX/XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late payments has persisted despite my two prior disputes.

Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices. 
TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX  XXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both TransUnion and XXXX incorrectly reported 30-day late payments in XXXX and XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. 

XXXX also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The email sent to me stated that {$580.00} was deducted automatically from my account. 
The person on the phone I talked to stated I was hacked by a known hacker and he purchased an IPhone in my name. When I started getting suspicious of the nature of this call, the " representative '' hung up. When I called XXXX again, a lady answered and got aggressive when I told her I thought it was a scam and then hung up.
Product: Debt collection

Multiple letters have been mailed requesting for the information to be delete it and removed from my credit. First letter send XX/XX/24, second letter sent XX/XX/24 and final letter sent on XX/XX/24. No updates have been provided or correspondence. 

Account XXXX AMOUNT XXXX Account XXXX Amount XXXX
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. If you fail to do I request to permanently remove these items off my credit report. Accounts in question : - XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting my child support as a loan, this is not correct. Not only is this ruining my credit score but it is also causing me to be denied employment, and is discriminating. I also have no idea how they obtained this information, I believe it is an invasion of privacy.