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

Credit inquiry on XX/XX/2023 on my TransUnion account. I do not have any open credit accounts with this company. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED Identity theft victim. I sent Experian a fully executed identity theft packet via certified mail receipt enclosed that has been received but not abiding in accordance with the law or the consumer, detailing what had occurred, and all account associated instead of following the law this company continues to violate victims.
Product: Credit reporting or other personal consumer reports

CFPB ( Consumer Financial Protection Bureau ) complaint. 

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, Equifax, and XXXX Description of the Issue : I am filing this complaint to address inaccurate credit reporting by XXXX, Equifax, and XXXX regarding accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and a student loan serviced by the Department of EducationXXXX XXXX 
XXXX. XXXX XXXX XXXX I sent a Notice of Liability and Self-Executing Default to XXXX XXXX XXXX via certified mail on XX/XX/year>, delivered on XX/XX/year> ( Tracking Number : XXXX ). 
They were given 10 days to respond, but no response was received. Therefore, they are in default, and this account should no longer be reported. 
XXXX. XXXX XXXX A Notice of Liability and Self-Executing Default was sent via certified mail on XX/XX/year>, and delivered on XX/XX/year> ( Tracking Number : XXXX ). 
Again, no response was received within 10 days, placing this account in default. This account should also be removed immediately. 
XXXX. XXXX XXXX XXXX Department of Education/XXXX XXXX I attempted to send a certified Notice of Liability and Self-Executing Default on XX/XX/year>, but the letter was returned as undeliverable on XX/XX/year> ( Tracking Number : XXXX ). 
The address provided by the school was invalid, and I have been unable to properly serve notice. This loan contract was entered into under unconscionable terms and lacked full disclosure of its impact on credit reporting. 
Violations and Requests for Validation : I am requesting that XXXX, Equifax, and XXXX provide the following : XXXX. XXXX XXXX XXXX : Proof that I provided written XXXX consent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the Department of EducationXXXX XXXX report this information to the credit bureaus. 
XXXX. Court Orders : Records showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX or the Department of EducationXXXX obtained a court order from a competent jurisdiction to communicate with me about these debts. 
XXXX. XXXX Compliance : Documentation that XXXX XXXX XXXX, XXXX XXXX XXXX and the Department of Education/XXXX  are adhering to Generally Accepted Accounting Principles ( GAAP ) in verifying the validity of these debts. 
If this information can not be provided, the accounts should be deleted under the Fair Credit Reporting Act ( FCRA ) for failure to verify their accuracy. 
Impact on My Rights : The reporting of these accounts is depriving me of my life, liberty, and pursuit of happiness by negatively impacting my credit score without proper validation. 
Requested Resolution : I request the immediate removal of these accounts from my credit reports, including a rapid rescore by all three credit bureaus. If this is not resolved within 7 days, I will begin assessing damages at {$5000.00} per day per account that remains on my report. 
Thank you for addressing this matter promptly.
Product: Debt collection

I have a loan with American First Finance - I was making two payments a month for XXXX each. Then I lost my job due to the pandemic - that was in XXXX - on the XXXX. I got a 14 day extension but I told them I was no longer working and if they could accept one payment vs two a month - they said they couldnt change the loan agreement and I would have to send proof that I wasnt working. They constantly call, and hang up all hours of the day and dont leave messages. The only time I can speak to anyone is when I call, and they tell me the same thing - when can you make a payment and tell me they are going to report this to the Credit Agencies.
Product: Money transfer, virtual currency, or money service

Someone requested for me to send them money and I declined it and it still transferred it from my account to theirs. I contacted support and they told me unless I can get them to send it back or cancel the request there's nothing they can do.
Product: Credit reporting

XXXX XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my report.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below : COMENITY BANK/VCTRSSEC XXXXXXXX. After checking my most current report, the updated information stated the account was sold. I contacted COMENITY BANK at ( XXXX ) XXXX on XX/XX/2024 and I was informed by a representative that this account was sold to XXXX XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.
Product: Credit card

The Macy 's online credit card access was unavailable for an extended period of time, so on XXXX XXXX, 2015, I stopped into a store to make a payment prior to the statement ending date of XXXX and a Macy 's store clerk misapplied the payment. To date I have made XXXX phone calls and been on hold for the most part, for a cumulative time of an hour and a half to get them to fix the account. At XXXX point in time, I was on hold for 10 minutes before I could speak to a human and then I was put on hold for another 20 minutes, finally hung up and called back. I was told XXXX times it would be fixed, only to have to call back again because it was n't. On XXXX I had to call XXXX different numbers and make XXXX phone calls to speak to someone in the XXXX. They finally fixed the misapplied payment on XXXX, however, I am still unable to use my card and am on hold on the phone as I type this out. I was on hold for 30 minutes and have been told that my card is now usable. I have n't checked my credit, but suspect that my scores are probably lower because the balance was at about 80 % due to the misapplied payment.
Product: Payday loan, title loan, personal loan, or advance loan

I want to cancel automatic payment because I am going to pay off the loan in a lump sum. 

XXXX XXXX says I must call to cancel autopay. 

I called the provided number. They indicated that I am eligible for a {$100.00} reward. There is no option to skip this as every option to be connected to an operator says I must accept this reward. 

When I was finally connected to an operator, they stated I must provide my personal banking details so they can give me the reward. They dont want my loan details, just my personal banking information so they can give me a reward I let them know I dont want the reward and Im not providing my bank details. I just want to cancel automatic payment. 

The operator got upset at me and demanded I provide personal bank details in order to proceed and receive the reward Again, they werent asking for my loan number to help me cancel the auto pay, they wanted my bank information to give me money. When I declined, the operator hung up on me. 

I then contacted the online chat and told them what happened and they agreed to remove the auto pay. 

This is extremely concerning that there is no option to discontinue automatic payment and that when a person calls they are not allowed to cancel either. 

Something is not right with this process. It very much felt like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because the Consumer Financial Protection Beaureu is supposed to represent and protect the people, and you take an oath to that effect I demand your Oath and Bonds from the surety.insurance liability company for harm and loss, once there is a sworn oath on record this proves that the sowrn parties are bound to the foreign Agents Registration Act of 1938 and have no jurisdiction pursuant to Title 8 UCS Subsection 1481.

I want you to answer the following interogatories : 1 ) What gives you and your company authority?

2 ) Did you get your authority from the people? 
XXXX ) Are you a corporation? 
XXXX ) Do you have to file Taxes? 
XXXX ) Do you have an Employer Identification Number? 
XXXX ) WHo pays your salaries? WHere do you get your funding? 
XXXX ) Do you receive private funding from COmpanies? 
XXXX ) DId you get money from XXXX XXXX for wrongful foreclosures as publicized? 
XXXX ) What did you do with this money? 
XXXX ) We want full disclosure on what happened to this money? 
XXXX ) Are you taking bribes from companies? 
XXXX ) XXXX XXXX XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) Did not the leaders of this nation create differences in people to take advantage of and steal from the original people of this land? 
XXXX ) Do you know that my heritiage extends back before XXXX XXXX XXXX? 
XXXX ) How come you all consistently try to steal everything from people of XXXX? 
XXXX ) When are you going to stop abusing my people? 
XXXX ) When you are going to stop abusing me? 
XXXX ) When are you going to pay just comepensation for my land and the resources you stole from my ancestors and me as an heir? 

I want my money and want to know what the qualifications are to get my money from your co-conspirators ( the Banks and corporations ). Either pay or I am going to start the eviction process on the United States and have you evicted off my land. You have 30 days to respond with a settlement offer. I am submitting your trust document and contract to the public trust as accept your offer and now expect you to perform or you will be in violation as a trustee which is treason.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan to help my brother move from XXXX  back to XXXX  and my brother promised to pay the loan back and now he has gone back on his word and I am now almost 3 months pasted due. I went to security finance in XXXX to talk to them about my loan and everything was ok until little XXXX XXXX started getting hateful and made a threatening statement to garnish my ssi wages which that comes down to her violating the Fair Debt Collection Practices Act which is a federal law that NO loan company can garnish ssi wages because they are federally protected. When I told her that they couldnt garnish ssi wages she kept on arguing with me saying they can and they cant not garnish ssi wages also since she has made this threat then all the 56 calls now become harassment. Also XXXX did lie to the store manager XXXX XXXX XXXX and she said that I was recording in the office when I was NOT recording and since XXXX said that now it becomes falsified statement
Product: Debt collection

My credit is reporting medical debt that I do not owe. I have 100 % medical coverage and have no out of pocket expenses. I also have no received any medical services nor have I been to the hospital in the time frame reporting. This are inaccurate and fraudulent charges.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent certified green return receipt letters to LexisNexis ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ), requesting the validity of the bankruptcy they are reporting on my credit report. I received back a generic response from XXXX on XX/XX/XXXX : No change needed to be made to the item. On XX/XX/XXXX XXXX sent the results of their investigation. They stated they validated the information through a third party vendor, LexisNexis. On XX/XX/XXXX I sent a certified green receipt letter to LexisNexis ( XXXX ) along with the letter from the bankruptcy court stating that they do not report to the consumer reporting agencies. I have let all credit reporting agencies that they a going against 15 USC 1681b ( 2 ). Because LexisNexis had not responded and 30 days had passed, on XX/XX/XXXX, I sent my final letter in regard to this alleged public record on my account by certified green receipt letter ( XXXX ). Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation.. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delete it.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts with the Fraudulent Company as well as EXPERIAN to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from EXPERIAN. EXPERIAN IS Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX EXPERIAN XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN XXXX HAS NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. XXXX, AND XXXX HAVE HONORED AND REMOVED THE ENTRY FROM MY CONSUMER REPORT. Further, Here is PROOF FROM THE SECRETARY OF THE STATE OF TEXAS. THERE IS NO LIEN OR LOAN IN MY NAME THAT I OWE ANYONE!!!! THIS PROVES THAT OFFICE ATTY GENERAL XXXX IS REPORTING FRAUDULENT, INACCCURATE INFORMATION!!!! I HAVE DISPUTED THIS FACT MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN REFUSES TO REMOVE THIS ACCOUNT. THERE FORE THEY ARE GUILTY OF A COUP WITH THE OFFICE ATTY GENERAL XXXX. I WANT THIS ACCOUNT REMOVED IMMEDIATELY. I WANT {$5000.00} IN DAMAGES FROM EXPERIAN FOR WILLFUL NON COMPLIANCE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  # XXXX XX/XX/XXXX -- {$440.00} XXXX  # XXXX XX/XX/XXXX -- {$770.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} XXXX  # XXXX XX/XX/XXXX -- {$170.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2021 I made a {$27000.00} payment toward a new vehicle loan with US Bank. The total value of the loan was approximately {$29000.00}. 

US Bank withdrew {$27000.00} from my XXXX XXXX account TWICE, taking a total of {$54000.00} dollars. I have been in contact with US Bank at least three times a week since, and have been promised the money will be returned " in time '', and I simply have to wait. It has been three weeks, and I don't believe it is reasonable I should continue to have my funds withheld. 

Additionally, I have not received even an apology, or any indication I will be compensated for the interest I am losing on this money. However, I am continuing to to get invoices for my next monthly payment! 

I have filed a complaint with US Bank several times, each time being told someone would follow-up with me in 24-48 hours. I have never received a response. I don't believe US Bank intends to respond. 

I was originally told US Bank would return the funds last week via XXXX, and that did not happen. Supposedly a check has been issued, but it may have been placed in regular mail. US Bank clearly demonstrates it sees no urgency in returning these funds. 

I would like to receive a pay-off amount, without penalty, and close this loan. I do not wish to do business with US Bank any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been a victim of identity theft i file a dispute last Months with all three major credit Bureau only one fix that problem XXXX, Transunion and XXXX refused to corrected even i sent them the police report and the FTC report all been ignore by both company none of them trying to work with me to get this matter resolved thats why i send that message today so i can get a resolution from CFPB. 

Thank you XXXX XXXX
Product: Debt collection

Northern Alliance Management/NAM contacted numerous times threatening to call the " feds '' on me bc I supposedly owe a credit card bill. They refuse to provide debt validation only a pay off offer and that 's on via email. They scream at you and then hang up on you. They have been advised until they send us via US mail a debt validation letter not to contact us. It 's in my name only but continue to call my husbands place of business looking for me. They have both my home and cell. They leave rambling messages on vm stating they 'll either come and pick me up or come serve me papers or call the " Feds '' to come and get me. When they leave a vm they do n't advise it 's an attempt to collect a debt nor do they do so once they have you live on the line. They use numerous phone numbers to contact me via. They use a robo caller asking for me to hold for the next available rep. We informed them we suffered ID theft therefore we needed the debt validation letter, I was told that yup all dead beats as myself who refuse to pay her bills say such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian on XXXX, and XXXX to dispute several violations that they are committing by reporting inaccurate and unverifiable information on my credit report. They have not sent me XXXX reply back after sending my first letter to them over XXXX  days ago. This has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. They are not reporting 100 % maximum accuracy as possible by law, and I have requested to receive all the steps the agency took to insure those items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification. The accounts are XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX XXXXXXXX XXXX/Account Number : XXXX, XXXX/ Account Number : XXXX, XXXX/ Account number : XXXX, XXXX/Account Number : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX/ Account Number : 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 XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX FCU # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have yet to receive any resolution or corrective action. These errors are causing significant damage to my credit file and seriously affecting my ability to live a normal life. 

The impact of these inaccuracies has put me in a difficult position, and I urgently need your assistance in resolving this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I can regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Reference compliant filled and resolved to Bank 's satisfaction. I am still saddled with the product that was fraudulently sold to me. I am still making payments and the Bank is still doing business as usual. 

Respectfully, XXXX XXXX XXXX