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

XXXX is reporting I am late on a XXXX XXXX  auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also crdt first is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also wf XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Equifax is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints XXXX, which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of EQUIFAX in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XX/XX/2020 ) ( XXXX XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX/XXXX-XXXX, XX/XX/2020 ) ( XXXX  XXXX, XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compaint is against XXXX, XXXX, and Experian. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, XXXX, XXXX, and Experian are reporting conflicting info on the alleged loan balance. 

XXXX and XXXX are reporting an open negative tradeline from XXXX XXXX Bank with a {$18000.00} balance. Experian is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If XXXX, XXXX, and Experian fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Product: Debt collection

The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. 

On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. eventually, at the suggestion of counsel, a Cease and Desist letter had to be issued -- included in the attachments -- - to stop the calls and letters stopped. 

On XX/XX/XXXX the amount of {$990.00} was paid, later retracted. Then on XX/XX/XXXX, well under extreme duress perpetrated by Knight Adjustment Bureau, the amount of {$1100.00}, was paid to prevent any additional harassment and threats. The whole ordeal of XX/XX/XXXX, was spread over many phone calls, and involved threats and harassment perpetrated by Knight Adjustment Bureau. 


My info Name : XXXX XXXX Email : XXXX Phone : XXXX There info : located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax : XXXX Email : XXXX Email : XXXX Note : Feel free to contact me for any follow-up, note I do not answer numbers I do not recognize, mostly for reasons stated above. email is the best contact.
Product: Mortgage

NewREZ LLC NMLS # XXXX mortgage company is purposely procrastinating with paperwork to further the financial harm to its client. filed to refinance using an Irrl loan through the current mortgage company in XXXX XXXX now after 3 months of being told just wait everything is good. now the loan can't qualify for the IRRL program because I had a late payment for XXXX and it was also time to make XXXX payment. I specifically have correspondence where the loan officer wasn't helping me. Quite a few unanswered emails on specifically asking about the process and what about the XXXX payment? I was again told not to worry the new loan was processing then poof! she vanishes. I have a new loan officer telling me that I need to make those payments to proceed with the loan. So I make them then a week later I'm being told since I had a late payment now the loan couldn't qualify. XXXX! My loan has been current with this company since they have managed the loan. I believe that the company is not working refinance loans in a timely manner to accrue the higher rate payment for as long as they possibly can. This in turn has put financial strain on my family. This has hurt me mostly financially but has also now blemished my credit rating. Had I not been smart enough to put my XXXX in XXXX payment in the bank I fear that would have been the beginnings of me losing my home, due to a foreclosure.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC1681 section 602 states '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( AR RESOURCES ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX ( AR RESOURCES ), whether verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( AR RESOURCES ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting SERVICES account amount {$1100.00} date open XX/XX/ ACCOUNT AMOUNT {$1100.00} date open XX/XX/ XXXX
Product: Debt collection

I am writing to you regarding the account associated with XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 Inquiries that are still present on my credit report. It has come to my attention that despite numerous attempts to rectify this matter, the account remains unresolved. XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We got a small XXXX dollar loan in XX/XX/2016 to pay off my wife schooling have made regular {$270.00} bi weekly for 2 yrs and have only paid off {$800.00} of the principle. Why is it legal for a paday lender to charge 299 % interest on a loan? Isn't the government suppose to protect the people from usury rates? It's really frustrating to try and better your life by getting an education but then be a slave to a debtor for years when you have paid back the loan amount almost 3 times the amount borrowed.
Product: Debt collection

Company called TSI ( Transworld Systems Inc ) sent me mail about some debt I apparently owe from last year. I attempted to create an account with them to complete payment but was unable to for no given reason. 

This leads me to believe the debt collection attempt is a scam. Please see attached. I can pay the debt, but I want to make sure I'm not being scammed first.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.
Product: Credit reporting

Equifax , Inc. does n't actually read and investigate credit report disputes. They have done nothing to correct obvious inaccurate information on my credit report despite having received countless disputes. 
They report that the actual amount of the last payment made for a XXXX account is {$0.00}, that is impossible. This was disputed on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX after every single dispute they failed to conduct an investigation as required by law and continue to report obvious errors. Had they actually investigated this would have been removed months ago. It is n't even my account.
Product: Credit card or prepaid card

I lost my XXXX  Mastercard Credit Card and as I was checking my account online I saw two charges in my account in the amount of {$390.00} made on XX/XX/XXXX at the XXXX XXXX XXXX, NH also another charge of {$840.00} made on XX/XX/XXXX at the XXXX XXXX in XXXX, NH. I am not even in the USA. I notice the fraudulent charges and I did reported right away to the credit card. These charges are fraudulent and was not made by me. They are refusing to reimburse me for it.
Product: Checking or savings account

My cashapp card was stolen back in XXXX and was used in a XXXX in XXXX, PA. I contacted cashapp support as soon as the I discovered the fraudulent transaction and they wouldn't help with recovering lost funds ( I contacted them the same day the transaction took place ). I contacted them again a few months later now in XXXX to follow up with why they couldn't handle my claim earlier. The representative said she would forward me and email to help with my problem. I never received the email and I'm still missing {$260.00}. Cashapp is in violation of the Fair Credit Billing Act 15 U.S.C. 1666-1666j, This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I called One Main Financial to obtain the payoff amount for my loan. I spoke to a female representative at the company who provided the payoff amount {$2200.00}. I made the payment online the next day XX/XX/2020, less the {$0.00}. The email attached provides a confirmation number XXXX for the payoff. On XX/XX/2020, One Main Financial deducted my regular automatic payment of {$190.00}. On XX/XX/XXXX, called the company and spoke to XXXX. He told me that the female representative gave me the wrong payoff amount on XX/XX/XXXX. He gave me the payoff balance through XX/XX/XXXX, which is {$2400.00} and refused to refund the automatic payment because I didnt pay the XXXX cents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the 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. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX   XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like it was. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights in accordance with the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my consumer report and noticed some XXXX  payments on an account that I was never XXXX  on. The consumer reporting agencies have played a vital role and have the ability to report consumer information as accurately as possible. I have never been XXXX  on any payments for XXXX XXXX XXXX XXXX account # XXXX. Please do a complete investigation and provide proof with statements showing me when these payments were XXXX. If the proof of XXXX  payments can not be shown for this account, I demand these payments be updated to on time as they should be because I was never XXXX. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the XXXX  possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency and should be deleted from my consumer report.
Product: Debt collection

The company is portfolio recovery and have called repeatedly about a debt outside the statute of limations. It went into collection in 2009.