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

I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to Experian about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a couple of hard inquiries on my credit report from XXXX and XXXX. That I did not give permission to run my credit. 

The name of the Company was TD AUTO financial XXXX XXXX, M XXXX Please help me to correct this item. Thank you
Product: Mortgage

I have applied for Mortgage Assistance through my loan servicer, Loancare LLC. I had been keeping in contact by phone. The first time I called to check the status, I was told of the documents that I was required to submit. I submitted my documents, then I called a week or two later. I was told that the application was complete and being reviewed, and that I would be contacted soon. I did not get a phone call, letter, or email, so I called Loancare myself, another week or two later. I was told at first that the application had expired. I was confused and told the person I was speaking to, that I was told I would be contacted regarding my application and no one had. They looked into it further, then told me it was denied and that I had only until XX/XX/22 to appeal. I advised the person I was speaking to, that I had also applied for the Mortgage Relief Program and all they said was they would make a note of it. On the CFPB website it says I should have been told of all my options, including a forbearance, and that I have 30 days to appeal and the right to submit a new application if material changes have occurred in my financial situation, which they have. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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.
Product: Debt collection

XXXX placed a collection on my account, I disputed the collection as not owed and asked for evidence. The debt was removed. XXXX sold a collection that is not owed to XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX. XXXX Account XXXX placed a notice on my credit report XX/XX/XXXX. I disputed the debt the same day and requested evidence of the debt by letter certified mail. It was deleted from my credit report. The same XXXX collection was resold to XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, ( XXXX ) XXXX and placed on my credit report XX/XX/XXXX. I disputed the debt by letter certified mail on XX/XX/XXXX. The alleged debt is being sold and sold again without each company ever proving that I actually owe the debt. Each year it is being placed again, with a new opening date, on my credit report causing damage to my credit. I have notified Experian but the collection has not been removed. I would like this collection removed from all credit reporting agencies. Rather than prove the debt, it is being resold time and again generating a new collection. Credit reporting agencies need to be more responsible. This is obviously the same debt. It has already been deleted, yet Experian continues to allow it to be reported again and again with no proof that I owe the debt. This amounts to harassment in an attempt to get me to pay a debt not owed.
Product: Debt collection

The XXXX XXXX XXXX  have alleged that I owe {$550.00} for a full repaint job to the unit. However there was no need for a total repaint. In the lease agreement it states normal wear and tear excepted Which there was nothing more than that, normal wear and tear on some of the walls. I can assure you that these marks were able to have been wiped off rather than repainting the entire apartment. When the initial move out walk through was conducted I was sent no pictures of the walls, yet I was still being charged the {$550.00} for repainting. XXXX did not send me pictures until I had emailed a complaint about it. The pictures I received only showed a few marks on the walls and some left over clear tape, that once again, could have easily been removed from the wall. Even with the pictures these said marks are difficult to even make out. I have previously sent this statement to XXXX XXXX creditor agency, Hunter Warfield. I was never inclined back on my dispute. I contacted the agency once again after two and a half weeks of not hearing anything back, they finally told me that my dispute was denied and this was going to hit my credit today. They said they contacted me on XX/XX/XXXX but, I have yet to receive anything back from them. I have not received any calls or emails from Hunter Warfield since XX/XX/XXXX, when the initial email was sent out informing me of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Public Service Loan Forgiveness. I have been dealing with these people for a year. First I submitted all required forms in XX/XX/XXXX/XX/XX/XXXX. I should have been forgiven as of XX/XX/XXXX. They had me submit employment cert form at least 3 times which I did. They told me not to make further payments in XX/XX/XXXX because my app was on " appeal ''. I missed XX/XX/XXXX at their instruction. Later I was told that that information was erroneous.I timely paid XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was told to make 1 payment for XX/XX/XXXX and re-cert my employment. I re-certified my employment and called to make a payment. I was assured that it would be credited to XX/XX/XXXX. It was not. I have been told many contradictory things. I was told that the prior servicer informed them that I was in forebearance from XX/XX/XXXX-XX/XX/XXXX. That is not true. I uploaded bank statements and activity which show my student loan was being directly paid from my bank account during that time. I have requested a copy of my files ( FOIA ) and received nothing. I have received no word except that my loan, which was supposed to be forgiven in XX/XX/XXXX has now been reported delinquent to credit companies.I am still receiving bills for money that I do not, by law, owe. Because of this, my credit score went from XXXX to XXXX. I have been refused home improvement loans for a new roof. I did get one loan for a roof for which I have to pay exorbitant interest. I have complained via phone and email have have heard absolutely nothing. The government has completely ruined me and has not been following the law. I have been paying student loans on IBR at least since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( 15 USC XXXX XXXX ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX CARD : Account number : XXXX, XXXX CARD : Account number : XXXX, XXXX CARD : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Money transfer, virtual currency, or money service

Dear CFPB, PayPal closed my account for no reason and will not help me with getting it back up and going. Two days ago, everything was going well in PayPal, but this morning when I opened PayPal, there was a notification that you are no longer a PayPal user. PayPal also asked us for some documents on XXXX XXXX and then we gave them the requested documents to resolve the issue of the account. And they told us to review it in 3 days but then they didn't get any mail. We thought everything would be fine. But over the next few days, they permanently limited my PayPal account. 
We did not withdraw a single amount. We were thinking that we would get the money in a few days and then pay the bill of the product supplier but that didn't happen. All our money is stuck in PayPal. Don't understand what to do. This has had a huge impact on our buisness. If we don't pay our product supplier, he will stop our work and from above he can also make a case against us.So we are going to have a lot of consequences due to this issue. I'm not saying anything else but PayPal just didn't want to do that without letting us know. We are in a lot of trouble. Please help us CFPB. 
Thankyou CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto is reporting a late on my credit account and I was never late! I recently checked my credit and noticed that Chase Auto is reporting a late on my credit file that is not valid. I have never been late and the late reporting is on a month I made the payment over the phone. I spoke to the representative and they took the payment out that day so how could I have been late? This is not my fault, my payment was made on time to you and you need to remove the late off my credit file. I can not have derogatory marks on my credit because someone didn't know how to do their job. Please remove the late off my credit file.
Product: Credit card

Capital One sent me an approved credit card with a XXXX XXXX dollar limit. This sounded like a good idea since my XXXX credit score was obliterated due to a house staying on the market for twenty months from XX/XX/XXXX to almost XX/XX/XXXX while trying to pay the new mortgage on the house we had moved to. After having the new Capital One card for a short period of time, they began sending me e- mails telling me that if I would update my personal info they would increase my line of credit. I did n't want an increase so I NEVER updated my profile. They increased my credit anyway. Because our finances have changed for the worst over the last several years there were many times I used the card still thinking I could get the balance under control. We are a family of XXXX living on XXXX annually, not so easy to do. Capital One offered me another card with no interest for nine months. I decided at least I could switch the balance since the previous card 's interest rate was now around 23 % and my balance was getting high. After I received the card I was told I could not transfer my previous balance to the new card so I was stuck. The first card has such high interest and I was trying very hard to pay it down but to no avail. Then with the new card they kept increasing my credit, again without me requesting this. Now the promotional interest rate is gone and the new rate is around 25 % just like the other and no matter how much I sacrifice here at home I ca n't get my head above water with reducing my balances with these XXXX Capital One cards. I understand I am responsible for what I charged. It just seems to me they are even more responsible and their predatory practices should be investigated. They are taking great advantage of the consumer. I know I 'm not the only one. My only goal was to help repair my credit. Now I am XXXX in credit card debt to these people and I do n't even know how it happened. It happened so fast. I have always been very responsible with my bills, but these last seven years have been like a financial nightmare. I wish I just had my bad credit and had never heard of Capital One. It is definitely affecting my health. I feel like a fool. Thank you so much for the chance to tell my story and I hope it will help other consumers in the future.
Product: Debt collection

I WAS VICTIM OF SOMEBODY ELSE USE MY INFORMATION, I REQUESTED THE DEBT VALIDATION FROM ORIGINAL CREDITOR, THEY COULDN'T PROVIDED WITHIN 30 DAYS , NOW HAS BEEN MORE THAN 55 DAYS , COMPANY PROMISE DELETION FROM THIS ACCOUNTS THAT ARE DUPLICATED WITH THE SAME COMPANY, ACCOUNT NUMBER IS # XXXX,  SUPERVISOR EMAIL PROVIDED WAS 	XXXX, XXXX  IS ILEGALLY HAVING THIS INTO MY CREDIT REPORT , THEY PROVIDE TO ME BEFORE WITH FALSE EMAILS BEFORE I COULD SEND IT TO THEM WITH , THEN ON XXXX XXXX  THEY PROVIDE AN AUD OR CONFIRMATION NUMBER (XXXX) FOR DELETION ON XXXX, STILL REPORTING OVER MY CREDIT , THEY HAVE TAKE CARE OF SAYING LIES AFTER LIES NOT PROGRESS REPORTED .

COMPANY CREDIT MANAGEMENT CO
Account Number
XXXX  Creditor Classification
MEDICAL_OR_HEALTH_CARE
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give your credit reporting agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


The following information on my credit report needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

I have been a member of USAA for over 40 years and they have always put a hold on my checks for a couple of days regardless of value before the funds are available. My son, who has never made a deposit before was scammed with XXXX fraudulent checks deposited totaling {$9900.00} and USAA makes these funds available immediately. He then withdrawals over {$4000.00} from the deposit and gives it to the scammer. Now he is responsible for the lost funds. Additionally, USAA locked XXXX 's and my wife  's checking accounts since they were linked. 

My complaint is that USAA should have held the funds for a few days before the funds became available.
Product: Debt collection

Date Debt Occured : XX/XX/2012 NAME OF DEBT : Blakely-Witt & Associates AMOUNT OWED : {$4200.00} I was going through my credit report and I noticed this debt being deliquent, now I have tried to reach out to this company via phone and left numerous messages and I have not received any contact back. I looked their profile up via XXXX XXXX XXXX and they have a F Rating.

Now how does this pertain to me it does when their is thiss debt that I know for a fact is not the right amount, the apartment company that this Debt originates from is XXXX XXXX Apartments in XXXX Texas. And here is what should have been reported when I moved out of these apartments the property management at this time because I was late on my monthly rent by only {$800.00} and I told her that it would be nearly impossible to get this caught up being I was on a fixed income and this was mentioned to them at time of move in also. The Apartment Property Manager after a private meeting in her office told me that after speaking witht he owner of the properties I had two options to pay my {$800.00} rent this was deliquent or due to the circumstances that they would let me out of my lease being I had only a few months left at no additional cancellation fees. 

So I see this debt sitting at an expensive {$4200.00} I am disputing this charge because thats not what I was told I owed at time of move out from the property. This number is def. wrong is def. some fraudlaunt charges here. Now I have attempted many times to reach out to the company but they dont seem to care to reach back out in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXXXXXX XXXX XXXX XXXX  XXXX was opened during covid fraudulent late payments poster please removeXXXX XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was closed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account Number:517805 Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. XXXX XXXX XXXX XXXXXX/XX/scrub>2/9/2022 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 a 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.
Product: Mortgage

Received two separate letters claiming the homeowner insurance 's property address is different from the property address on record with the The Money Source ( a.k.a. TMS ). First letter was dated XX/XX/2021 and the Second letter was dated XX/XX/2021. Both letters seem to be the same form letters except the Policy Number is different between the two letters. First letter had the correct XXXX XXXX homeowner policy number. Second letter cites a Policy Number that I have no record of. I have revised my XXXX XXXX homeowner policy in accordance with the First letter and faxed over the revised XXXX XXXX decpage to TMS on XX/XX/2021 via Fax number XXXX. I am at a complete loss on how to respond to the Second letter with a Policy Number that does not match my current homeowner policy. What is TMS asking me to do with regard the Second letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to freeze my credit at Equifax for several weeks but no matter when I tried or how many times I tried, their system acknowledges it has my account but as soon as I try to start a credit freeze, it states " We are temporarily unable to complete this request please try again later '' I tried to phone but my hearing is bad and the people answering the phone have foreign ( XXXX? ) accents and there is no way to " chat '' for people with hearing problems. 

Of course, I am not the only one that has problems with Equifax. When searching with the error code I found at https XXXX XXXX that over a thousand people  have horrible problems with this company and a 1 star rating based on the last 94 ratings.

I had no problem at all at XXXX   and XXXXXXXX doing the same thing! 

As far as this company standard answer is concerned to " send copies of valid driver 's license, social security card, 1099 form by US mail '' this is a very unsafe way to have someone note the address and open that letter to steal your identity! 

Why is their support based in XXXX and not the XXXX? That is very unsafe. No wonder they had the massive security breach last year.
Product: Mortgage

Loan servicing was transferred to a new lender. As of XX/XX/year> on XXXX, they assessed a {$100.00} late fee. The prior servicer did not charge this fee. No payments were ever made late. The new servicing company insists this charges from the prior company. The prior company says there is no such charge. I'm stuck in the middle. New servicer will not reverse the charge.
Product: Checking or savings account

I was A victim of fraud On XXXX separate occasions. XXXX where someone XXXX  that they were going to XXXX  my father if I didnt send them money another XXXX where would be billing agent said I owed money on the bill all XXXX  totaling over {$5000.00} in expenses. I wasnt able to contact any customer service over the phone to deal with this matter. Your agency is the only way I have to complain about this company to see about getting justice in the matter.
Product: Credit reporting or other personal consumer reports

This account was dismissed in court Im not responsible for said debt. The plaintiff abosolute resolutions the plaintiff has file a motion to dismiss