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

There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX  XXXX, XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information on. 
They did not do this. 


Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 
The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 



They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on. 
I myself did not given anyone consent
Product: Debt collection

I have disputed the account with XXXX XXXX XXXX XXXX  on several attempts specifically on dates XX/XX/2020, & XX/XX/2020, 2020 XX/XX/XXXX asking that the account be validated so that I could in fact determine if the account is mine There was no response on any of my letters to the company until XX/XX/XXXX the response that was given then is that they are unable to locate an account with the information provided. I then reached out to Transunion Credit reporting agency and ask how could they still be reporting this account on my credit file if the data furnisher is saying that they are unable to locate the account this letter was mailed to t Transunion on XX/XX/2020. It is my complete understanding that only 100 % verifiable information should be reported to a customers credit file in the data furnisher is unable to locate the account what is Transunion using to verify the account that can not be provided to me for me to determine if the account is mine. Sadly Transunion still has not responded to the letter dated XXXX XXXX I would like to reach out to help from your agency to determine the accuracy of this account reporting to my credit file and if verifiable information can not be provided I would like the account deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The background report shows I had a speeding ticket in Tennessee in 2016 but Ive never had any type of ticket in any state before.
Product: Debt collection

A debt collection of {$100.00} was reported on my credit score but was never notified of the debt being owed and no notification from debt collector of due amount
Product: Debt collection

Client was sued by Midland Funding in XXXX XXXX on an account stated. Midland Funding, in its complaint, stated that the date of default was XXXX XXXX. It also alleged that defendant last made a payment on the account in XXXX XXXX. When Client asked for discovery, she was provided with XXXX account statements. The final statement, dated XXXX XXXX, XXXX, states a {$0.00} balance. No evidence is provided that Client made a payment after XX/XX/XXXX, other than a single sheet of paper that looks like it was printed from Midland Funding 's own records which simply provides a summary of the account and says that the last payment was in XXXX XXXX. Client believes this case is barred by the statute of limitations and has several other affirmative defenses. There was also no substantive evidence provided that Midland Funding owned the account. 

This case is still ongoing despite the consent order issued earlier this month in which the CFPB was involved and which describes such behaviors as being illegal and directs Midland Funding and its agents to cease its wrongdoing. This case should never have been filed and appears only to have been filed in the hopes that Midland Funding could continue its abuse of our justice system to obtain a default judgment.
Product: Money transfer, virtual currency, or money service

Back in XXXXXXXX XXXX XXXX I thought I was doing business with a person online until they started to send me checks through the mail at first all was fine and then they sent me a very large check and tried to reverse the charges but I was not stupid and did not use my own personal account for this person 's check. I open an account with Key Bank and that is how we found out the person is a scammer.
Product: Checking or savings account

The bank Capital One is holding credit on my accounts not allowing me to use my funds in my account. Capital one also denied claims of mine without doing a full investigation. Capital never looked into my police reports capital one also did not look into the girl that was charged with stealing my banking information. Capital one has had my claim more than 30 days and they are holding my money and causing me hardship.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It May Concern, I am writing to formally dispute the reporting of the following collections on my credit report : XXXX XXXX XXXX XXXX XXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard.

Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ).

As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with Equifax, XXXX, and XXXX, as they lack a permissible purpose and are being reported by unlicensed entities. 

Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports. 

Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona. 

Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... REGIONS BANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Fraudsters pose as beauticians that offer beauty services, claiming there's suspicious activity on your account. They persuade me to transfer money to a " safe account, '' which is under their control.
Product: Credit card

I open a secured card with Capital one and without no reason they closed the account when I called XXXX XXXX XXXX I was told by the person that answer the called that the account was closed due to capital one observe some activity not in line with Capital one policy, but I have used it daily because I have no car at the moment so I am using either XXXX or XXXX and I am making payments but at the end they did not have me a reason, instead I was told you owed us {$700.00} dollars. 

I am furious this people are bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Transunion and XXXX was dropped 31 points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to TRANSUNION. I sent them a letter last XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

I'm writing my complaint to EXPERIAN about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Product: Checking or savings account

I deposited a check in the amount of {$8700.00} into my checking account on XX/XX/2022, at a branch. The bank associate advised a few days for the check to clear, and that {$100.00} would be available that day. The {$100.00} was never made available, and the check has been on a " Special Hold '' that the bank manager advised was " random '' ... that the fraud dept does this with checks. It was a check drawn on a local bank, but I was told that when they called to verify if the check cleared they would not give that information over the phone. I explained to The TD bank Manager ( XXXX ) that it was funds paid to me to cover medical expenses after a fall I had at a XXXX XXXX. XXXX XXXX employs XXXX Claims XXXX XXXX to handle these claims..they processed the check. She advised me that if I had them forward documentation that the check cleared their account, that my funds would be released to my account. XXXX XXXX, the claim manager that sent me the check, advised me the check cleared their bank on XXXX XXXX. I provided that documentation to XXXX on XX/XX/XXXX. I had the Claims Manager that handled my claim email it directly to XXXX XXXX XXXX XXXX - email : XXXX. XXXX has still no released my money. I have made numerous calls to the bank only to be told that there is nothing they can do. I have medical bills to pay and do not want my good credit ruined because XXXX is inefficient and inflexible in handling their business.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : PERSONAL INFORMATION : Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX COLLECTION/CHARGE OFF : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was with Navient student loan servicer for XXXX until XXXX when they were sued by governement. They moved me over to XXXX servicer. I have not received my debt relief from the lawsuit. My current payment is XXXX a month, and I can not afford to pay that. How do I find out how to get the debt relief from the lawsuit against Navient. I spoke with XXXX XXXX. gov and they gave me the CFPB number to file complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2021 I applied for an received approval of a leasing agreement with American First Finance. On or about XX/XX/2021 I cancelled the account because the merchant was unable to fulfill my order within the agreement terms of my leasing contract. 
I spoke with an agent at American First Finance who was kind enough to assist me in closing our my account with American First Finance and I was refunded my down payment.

A few days ago, I was checking my credit in readiness to purchase a home and saw that on XXXX  credit report American First Finance is reporting that I have an open Auto Loan with them with an open balance of {$2500.00}, which is incorrect. 
On XX/XX/2021, I contacted XXXX XXXX XXXX and spoke to someone by the name of XXXX who said that American First Finance can not and will not correct the information being reported because according to his record, my account is still open. I asked him about the " auto loan '' and told him that also was incorrect and he said that's how they report all their accounts. 
I find this information to be highly annoying and incorrect at the least as it's giving wrong information to my current and prospective creditors and I want this information removed from my credit report immediately. 
This incorrect information is negatively impacting my credit score as it increases my income to debt ratio and it showing that I have an open auto loan with American First Finance, which also is incorrect.
Product: Credit reporting or other personal consumer reports

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. 15 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Product: Credit card

On XX/XX/XXXX, I requested a credit limit increase on my XXXX XXXX store card managed by Synchrony Bank. I did so using the automated phone system, which asked for my annual income, monthly rent, and desired credit limit. I then found out that Synchrony Bank performed a hard pull on my credit report despite never having obtained authorization from me to do so, either written or verbally, or even informing me that they would do so at any point during the increase request process. I complained on XX/XX/XXXX, and the agent told me that the authorization is in my Account Agreement. No language in the Agreement concerns hard pulls, but when I mentioned this, the agent told me soft pulls had been done away with in XX/XX/XXXX and that all pulls were now hard ones, which is also not true. When I further disputed her asserted facts, she told me she had been doing the same job for 15 years and knew what she was doing. In short, Synchrony Bank refuses to acknowledge they illegally performed a hard pull of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX XXXX   causing me to lose my job and file for XXXX ( which still has not been approved ). I advised Navient on my conditions and a forbearance agreement was animated on my account sometime in early 2017. Ultimately I was forced into bankruptcy. Navient was aware of my bankruptcy proceedings. shortly after my bankruptcy was discharged I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this XXXX. 1st the XXXX of a private school loan not being discharged in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government  needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does Navient get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to enslave it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked Navient on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to Navient and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to Navient that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? Navient has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO TORTURE ITS CITIZENS?