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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to dispute these new claims online with Experien. I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does Experien make it difficult or impossible to dispute and access my credit report online using a free credit report?
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate information to XXXX XXXX and XXXX. By law reporting should be accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX & FTC complaint attached. 

I, XXXX XXXX, do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and FTC/ IdentityTheft complaint # XXXX are the specific accounts and inquiries in question : Accounts to be Removed : XXXX XXXX XXXX  - Account Number : XXXX - Amount : {$1100.00}/ Collection Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX OF ED/NELNET - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX OF ED/NELNET - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries to be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have 2 accounts with TD Bank. One is in the negative which I was going to fix on theXX/XX/XXXX. Instead,. they have taken all the money out of my one account down to {$000.00} to cover the negative on the other account. They should not be allowed to do this because now I may have negative charges. If they are doing this to me, they are doing this to other people. They have no right to take positive cash out of my account.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, around XXXX my phone was taken. I can not be sure as to who took it but shortly after they sent payments in order of {$500.00}, {$1000.00}, {$1000.00}, {$500.00}, {$1000.00}, and {$1000.00} using the debit card set up in my XXXX XXXX. These payments all occurred between XXXX XXXX and XXXX XXXX. They originally tried to send {$1000.00} on the first payment but Wells Fargo declined and sent a text/email to verify. Since they had my phone they were able to respond to the verification text and now had access to my funds. Lastly, they tried to send {$2500.00} with the last payment but that was declined due to my daily spending limit being exceeded. Ultimately they got away with my phone and the {$5000.00} sent via XXXX XXXX  from Wells Fargo. 

I have attached the emails I received from Wells Fargo about the activity, my phone was stolen so I do not have access to the texts. I also attached the replacement phone confirmation from my phone insurance to prove my phone was indeed stolen and used to send money without my consent.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Student loan

Due to the breach and compromise of my personal and financial information, I request immediate cancellation and discharge of my student loan debt in full. This violation of FERPA breaches your responsibility to protect my data.
Product: Credit reporting or other personal consumer reports

XXXX poor customer service and security some it is not their individual fault but no they would not help in any way except to tell me to get information that is not correct. They have all been altered in the last few years. I check them. It goes back to XXXX as previous and no about XXXX after b sister allegedly went into my account to deposit a gift which I said why dont you put it in the atm? XXXX XXXX XXXX. I love my siblings but they are not the same people as they used to be. So went into the bank. Asked which account coming out. Asked to wait. But it goes together all. Spouses family friends credentialed and more. But later found that I had to close the account because they found XXXX open and they were mother only one who had or had access to information. Whole life insurance pending in both legal and given name is not okay. Date of birth to unknown beneficiary but my mother did ask me what day it was deposited in my account. So I kept trying to stop it and couldnt. The bank made me close it because their security as good as it was could not stop this after having this account XXXX years. So what seems back is present. Still affects me. So irs. Id affidavit sent me. I cant even verify my identity with the credit bureau so it is part added so it makes sense. Leave out details and no originals do nothing. Good advice going nowhere. But on credit report trans union did aknoledge id.me XXXX very difficult and will not work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have neither opened nor applied for. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove the following accounts and hard inquiries from my report : Accounts : XXXX XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX 'S XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX - Inquiry - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I will continue to report this until Equifax does something about it. You can not have a creditor report inaccurate information on someone's account. I gave you proof, and you ignored me. This is the XXXX time reporting the same XXXX account with inaccurate information. The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. Payment history is different on at least 14 months. The date of the last payment is different. The date account was closed is different. Please delete the account from my credit report immediately!! See attached files. XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on time XXXX 30 days late Date of last payment. Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. Equifax XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I want to report US Bank for illegally foreclosing on my condo by committed fraud on the courts. Included with this complaint is a report from a forensic document examiner who discovered that US Bank and/or associates forged my signature as well as submitting fraudulent document to the courts. After reviewing my evidence file at XXXX XXXX XXXX XXXX XXXX XXXX and consulting with an expert foreclosure attorney, I uncovered several facts that reveal US Bank intentionally committed fraud to take my property away from me. 

Fact 1 : They forged my signature on several documents including the promissory note. 

Fact 2 : US Bank initiated a foreclosure lawsuit in XXXX XXXX, XXXX claiming that they had possession of my original promissory note at the time they filed their lawsuit. This is impossible as the original promissory note was in the possession of XXXX XXXX XXXX record from XXXX and was released to XXXX XXXX XXXX in XXXX XXXX. 

Fact 3 : In XXXX XXXX my mortgage assignment was transferred from XXXX XXXX XXXX XXXX XXXX Mortgage, XXXX four month after US Bank initiated their foreclosure on my property. I do n't understand how US Bank had positioned themselves to continue with their foreclosure when they were n't a legitimate party in this transaction. 

Fact 4 : My initial lender, XXXX XXXX XXXX XXXX, who went out of business in XXXX, acknowledged in XXXX XXXX that my promissory note was either lost or destroyed when they submitted a copy to XXXX XXXX XXXX XXXX. I do n't understand how US Bank or XXXX claims that they have the original when it was reported lost or distroyed. 

For over three years I have been fighting to save my property from banks who were not willing to work with me and my attorney. Despite me having the financial mean to meet their financial demands they still refused to come to any agreement. Today I am convinced that US Bank has been obstructing any chances of me keeping my property. They have gone to great length of committing fraud to take my property that is n't legitimately theirs. 

In XXXX XXXX, US Bank succeeded in foreclosing on my property but my case is on appeal since my bankruptcy dismissal. It will be months or even over a year before we can go before the judge share our discovery. I want to report US Bank for committing fraud.
Product: Debt collection

National Credit Systems has placed a collection on my credit profiles claiming that I owe {$190.00} to XXXX at XXXX. I have never had an account with XXXX at XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ask For Fast Removal Of Inquires
Product: Payday loan, title loan, or personal loan

I took out a title loan with Titlemax in XXXX, Ga. I was not properly explained how much this loan would cost me. This vehicle was also repossessed 2 days before payment was due as I had cleared it with XXXX, the supervisor at that time. I have been treated unfairly by TMX the finance company as they have harassed my references with alot of harassing phone calls and actually showing up in XXXX, Fl knocking on a friends door. During this time I have had contact with Titlemax. I do n't feel this is fair practice and something needs to be done. Each time I make a payment it seems like not much comes off, as I pay XXXX a month and have been all the time since XXXX.I did get my payment lowered once they repossessed my suv, but noticed extra charges on there as a repo charge and some other charges, The repossession was Titlemax 's fault so I should n't be charged extra fees for this. Please something needs to be done. They do n't explain anything as far as fees added on and interest rate. My son had to be hospitalized and have XXXX XXXX.
Product: Debt collection

I received a letter in XXXX from Phoneix Financial Services stating that they were attempting to collect {$1900.00} in debt owed to XXXX XXXX XXXX. I immediately filled in their form asking them for more information and letting them know that I was disputing the debt as not mine. On XX/XX/XXXX I received another letter from them with more information ( the address of the person who owed the debt ). That same day, I received an alert from XXXX that a disparaging debt note had been recorded on my credit report by Phoenix Financial Services. 

Had they taken any simple steps to ascertain if this was me ( it is a common name ), they would have found that 1 ) I have never lived anywhere in California much less in XXXX XXXX, 2 ) that I have lived at my current address for XXXX years, and XXXX ) that there are at least XXXX people named XXXX XXXX who do live in XXXX XXXX according to XXXX. 

Their action of reporting this to the credit agencies without cause has been harmful to my reputation and credit standing and is an unreasonable abuse of their ability to do report what they please. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a fraudulent loan from XXXX XXXX was opened in my name. I disputed this info with equifac and they did not remove the item, they did not even notify me of the results of the investigation. I provided them with proof and documents that the item was fraudulent but they did not abide by fcra laws. I demand this item be removed immediately!
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

On XX/XX/XXXX I filed a complaint with CFPB against my mortgage company Selene Finance for incorrectly reporting to the credit bureaus that I was 30 days delinquent on my XX/XX/XXXX payment, 60 days delinquent on my XX/XX/XXXX payment and 30 days delinquent on my XX/XX/XXXX payment. After filing this complaint with CFPB they contacted my mortgage linder for them to investigate my complaint ( which they would not have done had it not been for CFPB ). I have never been late on my mortgage payment and was not late when I entered into an informal Repayment Plan for three months to avoid being delinquent due to XXXX and being out of work. Selene Finance discovered they made an error and they confirmed that they incorrectly reported this information to the credit bureau. I received a letter of apology from Selene Finance with a promise to correct their mistake and have the credit bureaus to remove these delinquent payments from my credit report but after todays date they have not. Today I called them and was told I was three months behind and I broke the Repayment Agreement. This is not true at all. I made the last payment under this agreement XX/XX/XXXX and and was never late. CFPB Case number XXXX, Account number XXXX. Please assist me in getting this resolved. I will include a copy of the letter they sent me. 

Thank you
Product: Credit card

Capital One has closed my 2 credit card accounts due to a payment being returned. This payment was returned because only because I made a payment of {$200.00} weeks prior which didn't reflected in my available balance yet it was withdrawn from my bank account and shown as posted, this was for almost an entire month these funds were withheld and they refused to give me a reason even though they let me make payments in the meantime, one of which was returned. 

I called on XX/XX/XXXX at XXXX CST and spoke with a fraud specialist manager who told me that if I made a payment of {$110.00} within 10 days and then called 5 business days after the payment that they would reopen my accounts. I did just that, I made a payment of {$120.00} within the 10 days and called today XX/XX/XXXX to have the accounts reopened and they told me I didn't meet their criteria to reopen the accounts. I mentioned that I spoke with a women and that she took notes and in addition there's a recorded call, but yet the gentlemen I spoke with today said he saw that I called on XX/XX/XXXX but that there was no notes and said that I didn't speak with a manager. I said I did and that if they listen to the recording they can hear exactly what I was told. He indicated that they don't have access to the recordings, which is a lie because after a few minutes of back and forth he said the recordings are kept with quality control. Fine, but then he refused further steps of finding said recording and said I could try calling back. 

This is outrageous. The fraud specialist even said it's possible someone was posing as a manger to get me off the call. The recording exist. This is the 3rd time I've called Capital One with issues, mostly being about not updating my available credit after I make payments. When the payments don't reflect it looks to me like I didn't make it and so I make another payment not knowing it's coming out of my bank account twice and causing the payment to be returned due to insufficient funds. This is the fault of Capital One 's system and due to there refusal to assist me further I feel this is in retaliation or a way to discriminate me based on my age, gender and XXXX  and I will be making this a very public nuisance if Capital One doesn't resolve this.