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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Creditor Improper use of my credit account information Violation Dear CFPB Team, I am writing to formally file a complaint against this creditor Bridgcrest, in accordance with the Fair Credit Reporting Act ( XXXX  ) this creditor has violated my rights. Under XXXX XXXX XXXX XXXX, Section XXXX states I have the right to privacy. Also, XXXX XXXX XXXX XXXX, Section XXXX ( a ) states the consumer reporting agency can not furnish an account without my written consent. Under XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit account under an open-ended consumer credit plan as late for any purpose. 
Creditor : Bridgecrest Acct # XXXX ( XXXX XXXX XXXX XXXX, AZ XXXX ) I am requesting the following actions from Bridgecrest through the CFPB : - To Remove any late payments from XXXX  2023-XXXX  2025 that have been placed on my XXXX, XXXX, and XXXX credit XXXX. 

I kindly request the CFPB to investigate this matter further and hold Bridgecrest accountable for its noncompliance with FCRA. In addition, I urge the CFPB to take appropriate action to ensure that this company protects other consumers from similar experiences. 
Please let me know if additional information is required. You can reach me at XXXX or ( XXXX ) XXXX. I appreciate your attention to this urgent matter and look forward to your response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
Product: Debt collection

Debt on my account is not mine. Company has not shown any documents of how I owe this debt or where it is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet Experian claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to Experian that it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX has received an letter from myself stating the facts about the fraudulent acts committed by the bank on my account and on this day my signature has been rescinded from the original application, permitted by law, due to fraud. XXXX XXXX has refused to address the fraud with a denial or admission. Silence is acquiescence and the account is null and void. An un-rebutted affidavit was submitted on XXXX XXXX, XXXX revoking my signature from the account making it null and void. Again the bank has remain silent about addressing the fraud. By continuing to report this account with proof of the fraud by my un-rebutted affidavit XXXX my sworn testimony ), the reporting agency is in violation of the Fair Credit Reporting Act. Attached is my affidavit from XXXX XXXX, XXXX.
Product: Debt collection

midacredit has called over 12 times a week even XXXX XXXX at night i suffer from stage XXXX XXXX and XXXX XXXX they have harrassed i am really fed up they are not following the guidlines of collecting a debt it is harrassment at the best they should be sanctioned and fined
Product: Credit reporting or other personal consumer reports

The following accounts did not provide property notice prior to furnishing negative information to credit reporting agencies and I am requesting these account to be removed promptly. According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act.

92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous.

See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XX/XX/year> ) The following accounts violate the above law 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 XXXXXXXX,
Product: Debt collection

Credence Resource Management has stolen my identity I don't have any contractual agreements with them. Nor do you have any written consent to furnish any information. You don't have permission to have my information.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2016 I closed my checking account and I did not receive the confirmation from the bank Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$88.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an  XXXX  credit card with  XXXX    XXXX   and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with  XXXX  or Equifax fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to both credit bureaus and the response from both credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from XXXX XXXXXXXX XXXX to XXXX XXXX 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by XXXX XXXX. 

The XXXX XXXX  automated phone system is also incorrectly reporting me due for theXX/XX/2020payment which is also incorrect. 

Prior to the this reporting by XXXX XXXX, I have never had a late payment on any mortgage loan.
Product: Credit reporting or other personal consumer reports

XXXX placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with XXXX. XXXX responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or XXXX in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 7. Proof that you have the chain of title to collect on this debt. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against XXXX XXXX XXXX. Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a 24-million-dollar judgment levied XXXX XXXX XXXX from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is identify theft. I do not have an XXXX or Credence Resource Management that we subscribe to, this is not a valid account that we authorized - we only have one cell account other that we use for our business account for cell services and that is all, this account is not authorized by me or my company. 

This is identity theft I did not order these services and we do not use XXXX for any services other than our company account this is not a company account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from my credit report.
Product: Checking or savings account

I am not a Member of USAA Federal Bank in XXXX XXXX TX. I don't have any accounts of any kind. They are sending me letters saying they don't have anything to add to my previous complaint. They have called wanted to discuss my complaint. I told them I don't have anything to say, my response was sent to CFPB. I have sent messages saying I don't want to be contacted..I don't have anything to say. They are sending me letters after asking them to stop. I have contacted my Attorney Generals Office and the FCC. Please ask them to stop contacting me. Now it's what I call harassment. There's no reason for them to contact me. Please help XXXX
Product: Debt collection

Pay Pal set up a policies to communicate them with issues of the account that I possess with them which make it extremely difficult to contact them with issues on the account, In doing so paypal is in violation of regulations involving consumer fraud and disputes in Transactions. 

Pay Pal is also in violation of the American XXXX  act as they are making their site extremely difficult to use by using endless prompts and loops to contact them that lead either to useless information or to automatically hanging up on their clients. 

They are maintaining their positions by using their monopolies on financial transactions.
Product: Debt collection

Fair Collections, Account number # XXXX Opened : XX/XX/XXXX / Balance : {$34000.00} I am a victim of identity theft since XXXX to my knowledge. 
I contacted the collection agency, and company. 
I submitted notarized letters explaining identity theft, police report, lease of residence at the time, utility bill, id, Ss card, Ftc report, identity affidavit, and the collection agency fraud packet. It is still reporting on XXXX.
Product: Checking or savings account

I have been with the bank for over a year with no issues whatsoever. I had saved up XXXXXXXX XXXX  that I had in my account and I recent conducted a wire transfer so the funds could be transferred to another bank related to real estate as I was letting my sister borrow the funds. The process was done without issue and I paid the necessary fees, days later I find out my account is due to be closed and my remaining funds are not able to be recovered until the account closure process has ended. No one is able to tell me why my account has been placed in this hold to closure status. 

Another banker mentioned it could be related to the recent charge dispute case I filed. The amount of the dispute was XXXXXXXX XXXX and was related to a membership charge from the XXXX XXXX XXXX. When I first filed the case I did so in good faith as the membership charge was not present in my main XXXX  account and I could not locate where it came from, all I knew is that I hadnt authorized the charge, which I reported. Shortly after filing the dispute I found which account I was being charged for the membership from and the case was settled with the XXXXXXXX agent directly. Afterwards I called US bank to have the case cancelled as it had been resolved and the agent reassured me that she would close the case, but she actually didnt as I noticed I was provided with provisional credit days later which was reversed shortly thereafter, as expected. The following day, the XXXX of XXXX a hold was placed to my account. Im not sure if its related to the recent wire transfer or the recent charge dispute, but in any event my account is on a hold to closure status, I can not recover my funds and the US bank agents are not able to tell me exactly when Ill be receiving them.
Product: Mortgage

My loan was sold to Specialized Loan Serviceing by XXXX XXXX. On XX/XX/XXXX I got a package about it. It stated that I was late on a payment of a {$20.00} manintenance fee and had {$9.00} in interest due. My balance was {$0.00} so thereshould have been no interest. I recieved no bills or paperwork in the transfer so I had no way of knowing they fraudulently charged me. As of XX/XX/XXXX there is still no statements online to tell me why I was charged interest. I immediately paid the {$29.00} on XX/XX/XXXX. The wesite shows me still late on {$20.00} and a {$20.00} unknown and unapplied payment. My original agreement with state farm said that if I closed the loan in less than a year there would be a early temination fee. I believe it was {$140.00} but since statefarm has deleted all record of the original loan I can't find out. It's been over 2 years. Now XXXX says I have to pay a {$500.00} early termination fee or continue incurr ongoing maintenance fees and interest on my {$0.00} balance. There are hundreds of complaints about them online. The representative said since the website says so there is nothing he can do about it. He could not explain why there was {$9.00} interest on a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd submission about M & T bank pulling a hard inquiry on XX/XX/2021. 

I received a letter today from M & T where they showed that I supplied consent for a hard inquiry for a refinance ( based on an IP address ). 

Their explanation in my opinion doesn't pass the smell test. 

M & T claims the hard inquiry was for a " pre-approval ''. 

I spent over 30 years as a XXXX XXXX in XXXX XXXX XXXX and XXXX. The only thing I would have done was to inquire about what rate they could have offered me, because I knew my debt ratio at the time would never have been approved for a refinance. 

As we all know, refi " pre-approvals '' are sent all the time through the mail and they virtually always 'sourced ' via soft inquirys. 

At a minimum I believe that M & T 's website was completely misleading about this consent issue. 

Again I never thought I was applying because of my deep knowledge of consumer finance policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company identified as : XXXX made hard pulls of my Equifax credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization.
After some research it seemed this is XXXX?