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

I am writing to file a formal complaint against all 3 credit reporting agencies regarding their credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

The basis of my complaint involves the following issues : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Pertaining to 15 us Code 1681c : Except as authorized under subsection ( b ), 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.

Adverse item of information meaning- include records containing derogatory information, such as payment delinquencies or defaults etc No adverse items besides the conviction of crimes should be on my all 3 of my credit reports XXXX XXXX XXXX XXXX XXXX EXQUIFAX. All derogatory marks must be removed from all 3 of my credit reports, all and any delinquencies must be removed from my credit reports all and any defaults must be removed from my credit reports. All and any late payment reporting must be removed from my credit reports. All and any utilization percentage usage also must not be on my 3 credit reports. 
After looking over my credit report all these companies have reported adverse information and XXXX, XXXX XXXX, EXQUIFAX have furnished the adverse information on my report without my permission and against federal law Companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXXXXXX XXXX I received a letter from Cashnet saying I owed them over XXXX I have never asked for nor received a loan from Cashnet ( or any other payday loan service ).. I tried calling them and the automated message said I owed them even more than the amount listed in the letter. Than a representative got on the line and gave me a different amount of money owed than that in the letter or the automated response. They said to freeze any unauthorized payments, I would have to file a police report. I did and sent them a copy on XX/XX/2024. Since then, this company has been calling me XXXX to XXXX times a day. I always block their number, but they must have hundreds of numbers. I need them to stop this fraudulent claim and stop blowing up my phone.
Product: Mortgage

We purchased our home in XXXX for {$330000.00} ; the mortgage company gave us a XXXX and XXXX loan. XXXX loan {$280000.00} XXXX XXXX {$99000.00}. One struggled to make payments as the home prices increased ; we were a young couple, starting with a child. Our sales agent advised us to go to bankruptcy, as the second loan would strip and we would not have to worry about it, and the lawyer that did the bankruptcy said as long as we were good with the first, the second couldn't do anything, and this would go away. We believe everyone and did the bankruptcy back in XXXX. The lawyer, XXXX XXXX XXXX, State Bar XXXX. XXXX Attorney at Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, Telephone : ( XXXX ) XXXX, Fax : ( XXXX ) XXXX, then disappeared, and we thought all was good and we were only paying the first. After ten-plus years of not hearing from the XXXX, we received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXsaying they would foreclose on our home. We tried calling them and asking them if we could make payment on the amount owned now, $ XXXX, which we thought would be XXXX ; however, now the debt has more than doubled on interest, and the agent told us that they were going against the property and we could not afford the home. We should sell to pay the first and second and call it a day. I advised him that we wanted to do whatever it took to save our home, as we did not want to sell and be left homeless and not have a home for my XXXX boys, my husband, and me. He said that this did not matter and we just needed to sell. 
The loan was sold/transferred to another company sometime in XXXX or XX/XX/XXXX. Now the loan is at {$260000.00}, and there are no other options or communication to make payments ; we tried calling this new Land Home Financial Services , INC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXXXXXX, and the same Rep person from XXXX services is still in charge of the loan and won't help us or reduce the loan amount or work with us to make payments as he claims it is out of reach. Also, we tried to refine it with a mortgage lender company ( XXXX XXXX XXXX : XXXX, License Number : XXXX ( XXXX ) XXXX XXXX, and at first, they said they would help us. After two months of trying to save the home and get a refi on our house, we provided all the information to the lender. The lender was not responding to us, and finally, we heard back on XX/XX/XXXX and the reply was that they couldn't help us with the refi, as this is a gosht/zombie loan, and it did not appear on our credit, and they were not able to help us. We are trying to save our only home ; no one will help us. This loan is out of our means, and this is the second time we have struggled to survive and save our home due to the economic deceivingness of lawyers/banks/lenders. We need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXXXXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX # XXXX XXXX XXXX OPEN DATE XX/XX/XXXX # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an FTC report XXXX XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for a chandelier from XXXX XXXX ( XXXX Or. ) with my Pen Fed Visa card that was charged {$650.00}. I have not picked up the light and, now, must sell the condo it was meant for. The merchant refuses to give a refund even though he still has the light. Claims it was a special order, although he has similar ones in his shop. I disputed this with Pen Fed on XX/XX/XXXX. The closing date of the card statement was XX/XX/XXXX so the dispute was made less than 60 days from that date as they require. A supervisor, XXXX, reluctantly agreed to set up a case file for the dispute and said someone would contact me in 7-10 days. I called back XX/XX/XXXX and was told no case file was set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 47 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took out a Private student loan with GSF ( Georgia Student Financing ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was {$10.00} a month. As a XXXX mother at that time, I was XXXX and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( GSFC ). So although I had to call GSFC per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( GSF ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the XXXX payment history and delete the account. 

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a XXXX mother, I am ready to start new and really need this.
Product: Debt collection

On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC borrowed money from Onemain Financial Inc, XXXX SC. Payments were not made and the account was sold to XXXX XXXX XXXX. XXXX XXXX is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.
Product: Debt collection

I have spoken directly with XXXX and received direct communication that this amount was in error and cleared and was mistakenly sent for payment. 
The account resolution team XXXX informed me this was removed and that nothing was owed. 

I have informed SEQUIM of this and they still report on my credit reports in error and still continue to harass me illegally. 

They are in direct violation of the FCRA and debt collection tactics.
Product: Credit reporting or other personal consumer reports

I want them to accurately report on my credit. The account was in forbearance/deferment and it was incorrectly reported as late payments which it wasnt supposed to be and the house was sold on XX/XX/XXXX! And on top of all the incorrect reports theyve made they are still reporting that the balance increased on XX/XX/XXXX. There is no loan! I specifically called this company on XX/XX/XXXX because it has been a horrible experience with them and the representative confirmed that it was paid in full and I will receive a check for the extra money. I received an email on XX/XX/XXXX stating that my loan balance increased, there is no loan!! Why are they still reporting incorrectly!?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX : {$16000.00} XXXX OF XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. The Bureaus , Inc. violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 late payments on XXXX XXXX XXXX  account, and 1 late payment from another source that occurred in 2018. However, these accounts were paid in full as soon as I became aware of their status. I am ALWAYS on time and pay in full. I carry only 3-4 % debt ratio, and have a habit of always paying on time. However, the credit rating I have been assigned by Experian is good. This is I feel a leveraged attempt by Experian to blackmail me into paying for Boost their product in which people pay them for an increase in their credit rating. This is extortion, this is a blatant conflict of interest, and this should be outlawed. Experian should be investigated and charges filed against them. I have sent numerous complaints to them about my suspiciously low credit rating and I have received no positive response. They either are : a ) trying to extort money from the public or b ) the markers that are used to ascertain an individuals credit rating are hopelessly deficient. I would like a full investigation into Experian and the methods in which I have arbitrarily received only a good rating.
Product: Credit reporting or other personal consumer reports

I address the consumer reporting agencies regarding multiple unverified accounts causing undue financial and emotional strain. I demand all disputed accounts to provide the original contracts within 30 days. Failure to comply will result in legal action against the involved companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1. On XX/XX/2020, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 

2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX ( as opposed to XXXX ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 

3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 

4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 

5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for two months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 

6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received a called from Chase Credit Card department regarding my two credit cards, that my payment was due back in XX/XX/2020. The employee took my payment over the phone and she told me that she will enroll me in auto pay. 

In XX/XX/2020 I get another phone call, and my wife assisted me with the call, she told them that I had been in enrolled in auto pay and why they were calling to collect the payment. When the employee check, she said that he was not enrolled in auto payment and she took the payment over the phone and she also offer to enroll him in auto pay. 

My wife told him that we will do it ourselves instead and we did. I called Chase XX/XX/2020 and requested for the late payment to be removed from my remove from my credit bureau. They transferred to 3 different persons and they wouldn't help me. I'm reaching out to you since they are not willing to help.