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

In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit fouXXXX signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX Accounts has violated my rights. 

account # XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Servi 15 U.S.C 1681 section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions i
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report.

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I got a copy of my credit report and noticed that there was some accounts listed fraudulently and inaccurately. I have notified the consumer reporting agencies to start an investigation because these accounts do not belong to me. I never received a response and that is a violation of the FCRA and FDCPA. I have never conducted business with these companies nor have I ever entered into a consumer contract and I believe that the furnishing of these accounts violates my rights as a consumer. These are the accounts I am referring to : XXXX XXXX XXXX XXXX Also I was never late on this account XXXX XXXX so I should not have any late payments reflecting on my report. I have provided screenshots of the XXXX account being deleted from all 3 reporting agencies and somehow is was placed back on without my knowledge. I have also included my FTC complaint along with my Identification to support my claim.
Product: Vehicle loan or lease

The car was used when I purchased it, on the same day I got the car I took it to my insurance agency to add insurance, the car wouldn't crank back up. Had to end up calling XXXX, explaining to them that I just purchased a car the same day and it want crank and the dealership said that they can't help me that they aren't going to get the car in and fix it, which they called a ( lemon car ), long story short when I got off the phone with XXXX XXXX of XXXX which said that they had to get that car within 24 hours, they came got the car and fixed it enough for me to get it back home and drive it for bout another month, which at the time I told them to come get it, they refused, eventually they came and pick the car up and put it on my credit two times, and they still calling after I keep telling them they sold me a lemon car, I register for do not call in XX/XX/XXXX, and their still calling all month long every month.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I identified a late payment that does not belong to me. Specifically, the account with XXXX XXXX, reported under account number XXXX, shows a " 60 days late '' payment status on XXXX and XXXX for the month of [ XX/XX/2024 ]. However, my payment history reflects that all payments were made on time, as indicated in the attached detailed records from XXXX showing a " current '' status with no past due amounts for the same period. 

This appears to be an error or misreporting by the creditor or the credit bureau. I have already reached out to the creditor to address this issue but have not received a resolution. This inaccurate late payment is affecting my credit score and could potentially impact future financial decisions. 

I am requesting a correction to my credit report to accurately reflect the payment status as " current '' and remove the erroneous late payment notation.
Product: Credit reporting or other personal consumer reports

My credit card accounts have all been closed with Capital one and settled. Balance is {$0.00}
Product: Debt collection

This debt is not mine. This may be a medical bill for my son who was covered by XXXX. Also, I have never received a bill for this from the original creditor.
Product: Credit card

I refinanced my house and my title company mailed out a check to Barclays to pay off my credit card balance. Within 3 days of the check being mailed to Barclays sold to XXXX XXXX. The check was cashed by Barclays proven by the title company that showed proof they cashed it. Barclays never sent over the money to XXXX to apply towards my balance. I called XXXX XXXX  to file a claim they said I need to contact Barclays. I called Barclays and they claim they can not help me. The check amount Barclays cashed was around {$8700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a letter to National Credit Systems requesting they provide me with the methods they used to validate the {$1800.00} debt they are reporting on my credit file with all 3 credit reporting agencies. They in turn sent me a copy of my original signed lease agreement with XXXX XXXX but no breakdown of the {$1800.00} being reported on my credit file because I know that amount is inaccurate and by law they have to provide valid evidence of the amount being accurate. They did not. On XX/XX/XXXXI pulled up my official credit reports from all 3 credit reporting agencies and noticed this company National Credit Systems is reporting this invalidated debt with 3 different " Open Dates '' on all 3 reports. This is a violation of the Fair Credit Reporting Act. I have asked all 3 credit reporting agencies to properly investigate this matter and they clearly have dropped the ball because if National Credit Systems properly provided the credit they too would have noticed all the dates are not matching because they do n't have any proof this debt is actually mine. I will be uploading the pictures of the following " open dates '' being reported. 1 ) XX/XX/XXXX via XXXX 2 ) XX/XX/XXXXvia XXXX. 3 ) XX/XX/XXXX via XXXX This information is required to be verified and accurate and with 3 completey different dates there is now way that is possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$11.00} XXXX XXXX XXXX : {$220.00}
Product: Credit reporting

I have previously disputed the response from experian but i happened to notice on rereading it they say a creditor can report on an account from the filing date to the discharge date.This has been proved wrong by case law and a ruling against them in particular.In white vs experian they were ordered by the judge as to how to mark these accounts.Also when you file bankruptcy the automatic stay goes into effect immediately and any credit account no longer has a specific payment date.The plan in a chapter XXXX sets the date and whether a creditor or a cras agreement is irrelevant.This once again proves this enterprise needs to be run by a government agency and not be a privately held company.I will be writing my congressman and my ag about these very things.
Product: Debt collection

Roberts Markel Weinberg Butler Hailey PC a Texas law firm XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Texas XXXX ( XXXX ) XXXX-XXXX Specifically : XXXX XXXX TBN:XXXX XXXX and XXXX XXXX TBN : XXXX XXXX filed a Lis Pendens against my property for the sole purpose of debt collection and a debt not owed by me. 

The courts have repeatedly ruled that a Lis Pendens can not be used as a debt collection tool and the person filing the Lis Pendens must be claiming that they have rightful ownership or right of ownership to the property and are seeking to take ownership of the property. This law firm is using this as a tool to block the sale of a property, because they know that in order to challenge the validity of a Lis Pendens, a knowledgeable attorney will need to be found and hired to challenge it. 

This prohibited me from being able to sell the property in a timely manner and damaged me as well as my potential purchasers.
Product: Debt collection

Midland credit called before XXXX mountain standards time. I called back and informed XXXX who is dealing woth my account that if he was licensed in CO he would know he cant call before XXXX. That per the CFPB guidelines that is not allowed. He just kept saying mmhmm and that I called him. I stated I'm calling you because you called me at XXXX and I have rights as a detor and they can't call me before XXXX mst. 

I've already deputeded this debt with the company due to I have paid off my balance XXXXXXXX XXXX.
Product: Mortgage

XXXX XXXX, the servicing company made many errors XXXX XXXX, the investor had to be involved XXXX XXXX finally modified the loan under the direction of XXXX XXXX In the process of XXXX XXXX mistakes they hired Tiffany & Bosco Even though there's been federal mandates and the loan has been modified Tiffany & Bosco refuse to cancel the foreclosure The first modification payment has been made to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX, Transunion, and XXXX to verify the accuracy of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they are not following the Metro 2 credit reporting standards. I have evidence to support my claim.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX 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 Opened : XX/XX/XXXX Balance : {$570.00} Late/Closed XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Opened : XX/XX/XXXX Collection XXXX XXXX { Original Creditor : XXXX XXXX } XXXX Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

I noticed someone use my information to open credit card on the begining of XXXX, some credit card company call me to verify if I open the card, I start a fraud alert on XX/XX/2019, on XXXX, I thought I put a alert, it should be ok, but yesterday, XX/XX/2019, I saw on my XXXX  account, there are two huge balance I didn't recognize, wells fargo bank ba and XXXX/XXXX  XXXX, these two credit card I didn't open, also XXXX/XXXX  XXXX is not my acount too, I contact XXXX/XXXX  XXXX  and told them it is fraud, but wells fargo bank ba no one answer the phone. please let XXXX  recover my credit score thanks
Product: Credit reporting or other personal consumer reports

Credit reporting agencies are in collusion with each other, trying to force me to accept a name that I dont use when I apply for credit. I do not use XXXXXXXX XXXX XXXX XXXX on anything that I filed for so they need to remove that name and any accounts up under that name?. CFPB is suing the credit bureaus for not doing a proper investigation of the clients request to investigate their mishaps. I just provided information showing that the credit unions reporting agency are in collusion with each other XXXX, Transunion and XXXX  all using the same tactics trying to force me to use XXXX XXXX XXXX XXXX  on credit that I dont apply for in that name that is fraud so I want to be a part of the lawsuit
Product: Debt collection

The loan company XXXX XXXX, a possible Virginia based small business loan company that deals online only set up a line of credit for my business. The business never received documentation and or loan information pertaining to repayment terms and interest rates and finance charges over the time of repayment. There was no contract executed and given a copy of to me the officer of the company, and now the company is trying to sue me personally stating I signed as a guarantor. There was no indication I ever was gon na be personally responsible and there was no documentation ever asked for basis of repayment for myself personally other than banking statements for the business. There is no account ever opened up on my personal credit report and I have been served by this company with a lawsuit in a state where I dont do any business and apparently this is the state where the company has operated from, in Virginia. I am a Florida resident and my business was a Florida based business, that has been corporately dissolved.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXXXXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

This is another of multiple complaints about thisxsane bank and sane problem. The issue is the bank refusing to pay authorized payments claiming WE did not authorize. Vendor receives XXXX XXXX XXXX XXXX. Payment not made we are then in arrears, credit score messed up causing severe impact, and vendor action repossess vehicle for non payment. The bank continues to blame vendor while doing absolutely nothing to work with or resolve the issue. They will NOT REPOSINF. In writing or letterhead because that would be an admission of their failure. As noted this has and is causing severe credit and financial impact.
Product: Mortgage

I HAVE BEEN ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND I HAVE REQUESTED SEVERAL TIMES THAT MY SERVICER, NATIONSTAR, SEND TO ME A MORTGAGE ASSISTANCE PACKAGE. THEY DID NOT. THIS REQUEST WAS MADE THROUGHOUT THE MONTH OF XXXX. ON THE LAST WORKING DAY OF XXXX - XXXX XXXX - I RECEIVED THE REQUESTED PACKAGE. NATIONSTAR BACK-DATED THE LETTER TO XXXX XXXX, 2015. NATIONSTAR GAVE ME XXXX DAYS TO APPLY AND SEND ALL DOCUMENTS. THAT DEADLINE EXPIRED YESTERDAY. NATIONSTAR HAS, HOWEVER, QUICKLY & EFFICIENTLY SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015.
Product: Checking or savings account

On XXXX XXXX 2017 I initiated a transfer to my checking account at XXXX XXXX XXXX in the amount of {$85.00} to bring my account to the positive as it had been overdrawn overnight. The remaining balance was made immediately available by my bank with no restrictions whatsoever so I would have been able to make an atm withdrawal or any other debit purchases successfully. 
So been a consumer and knowing that my funds are available I went ahead and made two P2P transfers of {$10.00} and {$20.00} to my other account at another bank ( XXXX XXXX XXXX ) to cover a negative balance there as well to avoid an overdraft fees. The next day day I checked both accounts and the one at XXXX XXXX XXXX was not charged any overdraft fees because of the transfer I made to it before the banking day ended. However that was not the case with Capital One. Capital one had gone ahead and charged me {$70.00} in overdraft fees for no apparent reason and thereby overdrawing my account by {$67.00}. I called to let them know that they have erroneously charged my account but they insisted the fees are valid and would not issue me any refund. I explained to them there was available funds in my account before I made the transfer and the transfer would not have been successful if there was no funds available in the account. And the fact that the negative balance of {$67.00} on the account is less than the total overdraft fees of {$70.00} proves that indeed there was at least {$33.00} in the account when I made the {$30.00} instant transfer because the transfer amount is immediately taken out of the account when you inititiate it. They had previously charged me {$100.00} in fees earlier that week although I made deposits to bring the account to positive but I decided not to fight those fees. 
However I cant let them get away with this two fees because they are not valid whatsoever and the fact that XXXX XXXX XXXX did not charge me any fees proves my point and I believe all the banks are governed by the same rules and regultions