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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

I first was made aware of a debt i owed to AWA collections out of XXXX XXXX California when trying to obtain a home loan in XXXX of 2014. This was originally a XXXX automobile club collection which i have never had XXXX. I disputed it through Experian XXXX XXXX in XXXX of 2014 and again in XXXX of 2014. I first sent a verification and Validation letter certified mail with return receipt in XXXX 2014 and again in XXXX of 2014 with no response to either. I had called XXXX and they have no records of me ever having XXXX and when calling AWA collections they could not confirm i owed the debt but wanted payment from me immediately. I requested original contracts and proof i owed this debt but was given nothing. After several calls and getting no where i am finally formally making a complaint and will go all the way to the attorney general if need be. I am frustrated not only because this is not my debt but because also it affected my rate purchasing a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX stated, " XXXX  XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " XXXX. '' Your company is once again, holding me back from now refinancing and then selling my home. 

When will this end? XXXX?? XXXX? You tell me as XXXX of many consumers I am finding out that have gone through this same issue, USAA XXXX XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a XXXX issue, problem that continues ... 

I thought your company XXXX was to help and support all veterans. I have other coworkers that are having the same issue with XXXX not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX
Product: Student loan

I am recieving statements from Mohela account # XXXX These statements are for a loan that I did not Co sign. 

My Daughter XXXX XXXX XXXX has XXXX loans that she pays through XXXX XXXX She went to XXXX XXXX XXXX XXXX XXXX co signed XXXX My daughter XXXX XXXX XXXX signed XXXX I need help clearing up this mistake that now appears on my credit report. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Debt collection

There is a {$970.00} debt collection on my credit report. Originally the collector was XXXX XXXX XXXX. I disputed this through XXXX and it was removed from my credit. It is now showing up again with a different debt collector. I do not know what this debt is or why it has been passed off to a different collector after being removed once.
Product: Credit reporting or other personal consumer reports

Please see attached Documents XXXX XXXX XXXX XX/XX/year>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX  Account opened at XXXX XXXX reporting NATIONIAL CREDIT SYSTEMS on XXXX XXXX  under the account number XXXX, an XXXX account under XXXX XXXX XXXX account number XXXX opened XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX  XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX XXXX XXXX XXXX XXXX - Closed and still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXX  XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Product: Credit reporting or other personal consumer reports

I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2.

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. XXXX will not remove this. I recently completed another dispute with XXXX ( XXXX/XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XXXX XXXX 2019, and XXXX XXXX 2019, someone other than me tried to open an account with EXXON/CBNA. I received a letter in the mail stating the credit application attempt was denied due to my personal information being incorrect. I did not apply for anything pertaining to EXXON, or CBNA what ever that may be. It has shown up on my credit report as a XXXX inquiry, however it was me. This is a fraudulent application.
Product: Student loan

My student loan were disputed and removed however its still showing 7 late payments on my credit report. These 7 late payments are appearing from from a reported sources that was removed from my credit. So I would like these false late payments removed from my credit report. There was no late payments because I was on an income based payment plan and my payments were XXXX dollars.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information that is hindering my credit report with Equifax. this has been an issue that needs to be resolved. checking the items none of the data listed is accurate on all XXXX credit files. this is violating my consumer rights. please review an remove all listed items to clear the items listed to correct my files asap.
Product: Debt collection

A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.
Product: Debt collection

This company, Security Credit Services is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since XXXX that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


1.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX 2.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Under Title 15 ( Consumer Credit Protection Act ) I am the creditor when engaging in credit transactions. GM Financial has misled and misinformed and doing unfair practices. GM Financial is holding funds that should be issued as credits. I am objecting to the improper classification of my account. I demand an account adjustment. I requested a statement of account showing all transactions in paper form to be sent via mail and email. GM Financial appearing to be issuing debits instead of credits. GM Financial is holding onto the credits instead of delivering them to me. I request to see a negative balance, which indicates that the credits have been assigned to me. When the note has been deposited, GM Financial records it as a liability on their books knowing they owe me that money. Since GM Financial states they loan me the money, it becomes an asset for them because it generates interest income. The deposits are the bank 's liabilities not their assets. They owe me that value in credits because I'm the creditor.
Product: Credit card

For months I have been overly charged in interest rates resulting in credit card debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXX Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of XXXX, but XXXX claims that we have a loan with them. We do not. We dispute any amount that XXXX says is due. XXXX failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) XXXX failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with XXXX or XXXX and XXXXXXXX XXXX alleged record is fictitious. We accept the absence of debt as the reason for XXXXXXXX XXXX failure to file the Form 1099-C with the IRS. If XXXX continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX CEO and all of the XXXX agents who have called us despite our issuing a cease and desist order and notifying XXXX that we are on a Federal Do Not Call List. 

4 ) XXXX has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXXXXXX XXXX XXXX XXXXXXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court in XXXX, 5 US. XXXX is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making XXXXXXXX XXXX actions based on presumption and a crime. 

6 ) XXXX is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) XXXX made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand XXXX to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against XXXX with penalties.