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

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX sent me to collections with Concord Servicing as retaliation for trying to cancel my contract. Ive notified Concord several times ( see attached letters and timestamped emails ) that I was disputing the debt, and those notices have been disregarded. Concord continues to send me bills. I called earlier this week, and the only advice they could offer me was to call XXXX, who wont talk to me while my account is in collections. According to my rights under the Fair Debt Collection Practices Act, I notified them, and Concord needs to get with the program. I told them in my letters that Id make a complaint with the Consumer Finance Protection Bureau, and Im making good on my promise, something XXXX knows nothing about. They need to either offer a settlement that will cancel my contract with XXXX or return the debt to the original creditor so I can continue to fight for my contract cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal loan with XXXX XXXX went to collections with them for falling behind in my payments. However, when I tried to make payment, I was told I could not make payments and would have to wait until the collection agency called to make payments. Months went by and I was never informed of how to may payments. 

I called them twice and spoke to the collections department. On a recorded line, I was advised that I would be provided information on how to submit payments. This never occured. My credit report keeps having negative remarks every Month. This account has been paid in full. I have tried to resolve this matter over and over, and they have the recorded conversations to prove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from XXXX XXXX that our mortgage was sold to XXXX XXXX XXXX. On XX/XX/XXXX XXXX reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. XXXX XXXX   reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX. XXXX XXXX XXXX report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX XXXX XXXX   reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with  XXXX XXXX XXXX not XXXX XXXX XXXX. I have requested for XXXX to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Product: Checking or savings account

There was unauthorized checks cashed in to my account that I had not authorized and next day a Wells Fargo agent called me and said we are closing your account and you can't get nothing out of it and I been with them since 2015 and I have been having trouble with my account and no banker would help me get a new checking account only thing they would do is send me a new card and money I lost never returned
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/20XXXX 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

XXXX XXXX is reporting inaccurate information to TransUnion and XXXX. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual Date Opened calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as XXXX to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s )  indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX  XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and please do not change the variation to keep this address remove it FTC violations and FCRA XXXX XXXX XXXX Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I contacted Kia Finance in regards to the company damaging the vehicle that I purchased brand new to have the balance lowered since the damaged occurred while in possession of XXXX. When I picked up the vehicle and notified the the lender and the repossession company of the damage and the lender refused to even address the damage or make an adjustment on the amount owed.
Product: Credit card

I signed up with a XXXX XXXX XXXX on XX/XX/XXXX. The payments were paid through Discover Card once a month from XX/XX/XXXX- XX/XX/XXXX, {$45.00} XXXX payments with a total of {$310.00}, to warranty to repair/ and replace my tenants ' whole appliances and all built-in heating and hot water systems. XXXX failed to repair anything when the heating system broke down after I filed a claim and XXXX refused to repair/ replace the heating boiler and blocked my technician from reporting an analysis. Then I did some more research about this company and found many complaints about this company. Then I called Discover Card to stop paying them on XX/XX/XXXX. 
I filed 7 payment disputes with Discover Card about the service that the installment that I paid was not delivered. I sent all the documents including the warranty agreement and the front and the back {$5300.00} check which I paid my OWN plumber ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for the replacement of the heating system. 
I filed 7 installment payment disputes on XXXX XXXX, XXXX, to Discover Card by phone. I was informed that XXXX of the installment charges from the disputes were in my favor and the charges were reversed, but XXXX of them will not be reversed due to the Merchant failing to respond within the time limit. I called Discover to ask the reason and did not get a clear answer as to why 3 of the 7 disputes were rejected in the same circumstance. After sending another 8 more pages to support my claim Discover had not received a response from Merchant. Discover repeatedly denied quickly on my claims the next day. I have sent in 14 pages of the supporting documents and then 8 pages of the document after the telephone conversation. It seemed that the Discover Card decision was not based on how Merchant responded but on what they pleased.

Please check how this XXXX XXXX compliant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a speeding ticket in XXXX. I took driver 's safety to have the ticket dismissed. USAA has it as me having a ticket in XXXX and XXXX. I did not receive any moving violations in XXXX. I called to try to have it fixed, but the agent was not sure how to correct it. I believe it is affecting my premium unfairly.
Product: Mortgage

On XX/XX/2024 I called to make my payment. The following week on XX/XX/XXXX I called back to ask why the payment has not been taken out of my account. I was informed that the previous representative put my payment in as a savings account. I informed the representative that I indicated checking account and that this is an issue because the account numbers are the same. I called again on XX/XX/XXXX to verify that Village Capital had the correct account information and that they were taking the payment from my checking account not savings because the numbers are the same. I was informed that my payment was attempted out of my savings account again by my bank. I confirmed that the checking account number was correct. The following week I spoke to representatives on XX/XX/XXXX and XXXX. On XX/XX/XXXX they told me the payment is still being processed. I was informed on XX/XX/XXXX that the bank account information was not corrected until XX/XX/XXXX which resulted in my payment not being processed. It is now XX/XX/XXXX, the payment still has not been taken from my account. I called to speak to a supervisor on XX/XX/XXXX, the representative XXXX XXXX XXXX told me to wait on hold for 10 minutes for a supervisor. The representative came back on the line a few minutes later and told me that she needs to hang up and request a call back. Previously I had an issue and it took one week for a supervisor to call me back. I explained this to XXXX and she told me that there is nothing she can do. I have attempted 6 times to make my payment. Village capital charged me late fees and gave a negative statement on my credit report. This issue is the result of negligence from their representatives. It is their duty as a service provider to process my payment in a timely and efficient manner. This has caused me emotional stress because I am trying to make my payment on time with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, XXXX Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATIONXXXX XXXXXXXX Balance : {$6700.00} ; DEPT OFEDUCATIONXXXX XXXXXXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}
Product: Debt collection

This a not my debt and therefore also this debt has been sold to a debt collector. Which is not legal nor should this collection agency have my personal information. 

XXXX Source receivable management XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 
Below is a summary of the data in which I am challenging Account name RESURGENT/LVNV FUNDING Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the CFPB Complaint I previously submitted requesting the removal of the fraudulent accounts and information completely from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here id the list of accounts and information that should be removed completely from my Credit File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If ever you would claim that the disputed items belong to me, please send me copies of proof of verification as a supporting document. In the absence of such document, immediate removal of the disputed items is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was fraudulently open in my name in XX/XX/XXXX This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, EQUIFAX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Product: Mortgage

XX/XX/XXXX informed my house note would increase i needed to paid XXXX toward my escrow.was not able to pay. XX/XX/XXXX I was notified that house noted would increase at time XXXX.XX/XX/XXXX XXXX I called US Bank and told them i would not be able to make those payments. XX/XX/XXXX I did pay XXXX and fell back on other bills in. In XX/XX/XXXX i was notified that Social Security was auditing my income would to change. US Bank and XXXX XXXX  company my loan application funds stating i made more money then i did and if i defaulted in the loan they would go after the Veteran affairs where I retired from, and at that time my income was workerscompensation and Social Security. and they want to keep it quiet by selling the house from under me. yes i need housing but not to live on a strict budget.I hired a mortgage company hoping not to be a victim. Because I am a victim of US BANK. My house was not built like the floor plan i had a XXXX Loan at the end of my loan i found it difficult to refinance. my house was priced to high. products used in my house were rejects. Social Security decreased from XXXX to XXXX until debt paid off. I am six months behind on note I am not a squatter. increased escrow due to taxes I was told this was my mortgage would not increase another lie. taxes went up so needed to increased mortgage.i do understand but on my part i called in XX/XX/XXXX trying to tell US Bank I was not going to be able to make payment.
Product: Vehicle loan or lease

I purchased a XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX gave me paperwork stating my balance was being financed by Ally Auto, however my registration said XXXX XXXX XXXX. The first payment was due on XX/XX/XXXX. I setup autopay. I cancelled the Gap insurance and Maintenance contract from Ally Auto Bank. Ally supposedly sent the Gap payment to the dealer. I had filed a complaint with the XXXX XXXX for the Gap since it 60 days. XX/XX/XXXX I was informed from XXXX XXXX that my autopay was cancelled due to the bounced payment from Ally Bank. So their excuse was that a bounced check voided my autopay with a totally different account. I paid the charges as well as the payment and one additional payment to offset so I can restart the auto pay. I will have to wait to be able to do so. The Ally Bank told me they paid XXXX XXXX XX/XX/XXXX. XXXX XXXX told me they received the payment, however they waited 68 days to inform me that the check received from Ally Bank bounced and ensuing charges were due. They informed me that it's up me to contact Ally Bank. I will not contact them again one blatant lie is unacceptable to me personally. I would have already obtained legal counsel by now I'm at risk XXXX so I'm not making any new face to face contact from unknown entity. XXXX XXXX   has all my personal information I only have the initial billing which I generated the autopay with. No contract from them which I requested. I'm still waiting for that contract so I could take to my credit union to take out a loan at a much lower rate and they are locally based. I gave the dealer XXXX in cash which should have facilitated matters. As of now XXXX is owed to me outstanding for those purchased services and no response from Ally Premier Protection.
Product: Credit reporting or other personal consumer reports

RE : Transunion CRA RE : XXXX XXXX I have a hard inquiry on my Transunion report as of XX/XX/year>. I have not applied for any services with XXXX XXXX. 

I would like to get the hard inquiry removed without a dip in my score.
Product: Consumer Loan

LoanMart took unfair advantage of XXXX year old XXXX XXXX by charging 101 percent interest on a car title loan. XXXX XXXX borrowed {$14000.00} to fund a sweepstake scam and was forced to pay over {$44000.00} in interest fees for the loan on a car valued at approximatel {$20000.00}
Product: Debt collection

This number keeps calling over and over and over again without leaving any kind of message at all. They even call us on Sunday. They have called 4-5 time within about 15 minutes. I don't know what they want because of not saying anything and hanging up just as soon as the answering machine gives the reply beep. I'm tired of getting these calls. 

I have never gotten a bill or anything from them. I never heard of them until they started calling me about a month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX