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

I am demanding the immediate removal of a fraudulent and unlawfully reported collection account by XXXX XXXX XXXX, which appears on my TransUnion credit report. 

This account violates multiple consumer protection laws and regulations : FDCPA 809 ( a ) No validation notice ever received. No itemization of the debt. No original contract. No proof of ownership. Without this, they can not legally report this account.

FDCPA 807 ( 2 ) ( A ) Falsely represents the account type as Open. I never opened a credit line with XXXX. This is intentionally misleading. 
FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate reporting of debt without contract, terms, or legal status. Lacking any proof, this entry is harming my credit unlawfully. 
CFPB Regulation F ( 12 CFR 1006.34 ) XXXX has not provided the Model Validation Notice or itemization required before reporting. 
Deceptive trade practices They are misrepresenting their legal right to collect on a debt without offering proof of assignment or ownership. 
Potential licensing violations XXXX is not licensed in my state to collect debts. They refuse to provide licensing. 
XXXX has failed to provide the following : Original contract with my wet signature Full debt itemization Legal proof of assignment/sale Evidence of licensing in my state
Product: Debt collection

I was not contacted by the collection company about this debt it just showed up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now the 2nd time I have had to report inconsistencies from XXXX based on the actual balance of an account and my personal Credit Report. XXXX has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against XXXX for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and XXXX risks that possibility.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

every day at XXXX the call start and they dont stop all day long they call at XXXX XXXX today theyve already made eight calls to me I receive no mail I received no message as call and hang up every day Monday through sunday
Product: Mortgage

I am writing this complaint due to the issues I have on XXXX/XXXX/2017 while calling the company who services my mortgage. I tried setting up our account online only to be told my account did n't exist. I then called Selene Finance and the rep who is attached to us was n't available so I help for customer service. The gentleman was very rude in telling me I should be happy the company is even working with me with me being so far behind on my mortgage. I then told him that I have no idea why he was making those comments to me being that we had just finalized our modification on the XXXX/XXXX/17 and the payment was made on XXXX/XXXX/17 of {$890.00}. He then continues to be rude and tell me I could n't talk to anyone and he would send a message for someone to call me back. Well that never happened. I even called XXXX our loan specialist and left a message for her on XXXX/XXXX/17 with no response back and today is XXXX/XXXX/17. I also left a message today but have tried at least 10 times to get a customer service rep but it wo n't even send me to anyone else even just a regular customer service rep. I 'm not sure what is going on but I do know that every document that needed to be signed was signed and dated by the due date and the payment was made on time. I do know that I am tired of going through the same things with this company and the treatment is so uncalled for. We have done everything asked even when you did n't hold up on your end. Just like you sent us a 1 day envelope with a 2 day posting. I even told XXXX about that and was told to not worry about it as long as the documents were dated by the time they were suppose to be. I was also told she saw the payment and everything would be fine. Well now I 'm finding out otherwise and not XXXX person will call us back. This is not how you should treat your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau have not allowed financial institutions to retrieve my credit reporting. I have contacted Equifax in XXXX of 2022 and they stated there was no freeze or hold on my file. They requested that I send over my driver license and social security letter with my birth certificate so they can verify the accuracy of the information by fax. I fax the information and I received confirmation from Equifax that the investigation was solved and information was verified. I was told that Companies would be able to retrieve my reporting moving forward. However, I have applied for credit 3 times after that and once again the institutions have not been able to retrieve my equifax credit report. Equifax is asking me to go through this tedious process all over again. In the mean while, I have lost an apartment and have not been able to get financed for a vehicle because their failure to provide the information on my behalf. The straw for me is when I went to apply for a XXXX XXXX position which required my credit report and they could not retrieve my information once again. I was told I had to apply for that position at a later date once my credit filing can be verified. Equifax lack of reporting is interfering with my lively hood and how I provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts are supposed to be immediately REMOVED BLOCKED DELETED. This a FRCA law violation the information is not displayed across all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX XXXX {$11000.00} XXXX XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a charge for {$270.00} from XXXX XXXX XXXX, a store in XXXX, MD. I was given temporary credit by Chase XXXX, was requested to send additional information, and was informed that I would be advised about the final determination on the dispute. Beginning on or about XX/XX/XXXX I began calling the Chase Bank Dispute Resolution Department to inquire about the final determination. I was told that it takes tow billing cycles for a final resolution ot the dispute. 

On or about XX/XX/XXXX I began calling the Diuspute Resolution Department to find out about the status of the final determination. Every agent on the phone ( conversations were recorded ) advised me that it would take a little longer. Eventually, I filed a complaint with the Federal Reserve about Chase 's inability to resolve the complaint. 

On XX/XX/XXXX XXXX XXXX XXXX from Chase 's Executive Offices called me and insisted that a letter with a permanent credit had been sent to me on XX/XX/XXXX. I  argued that, if so, it is curious that other people on the Dispute Resolution Department were not aware of it and kept saying that the letter will be sent soon. Nevertheless we agreed trhat he would send me a copy of the XX/XX/XXXX letter ( he refused to send me a scanned copy by email ). 

As of XX/XX/XXXX, I HAVE NOT RECEIVED A COPY OF THE LETTER THAT CHASE ALLEGEDLY SENT ME ON XX/XX/XXXX. I called XXXX XXXX XXXX ( extension XXXX XXXX ) and left a voice mail message, but he did not return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # { Original Creditor ) 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a notification from XXXX that my credit profile had changed. So I pulled up my XXXX app to see what the alert was about and it was reported that Possible reported my account late even after I paid the balance owed. I never got any notification from Possible about the account being reported late nor did I get any other notification. I didn't even get a statement about it so how can you report it late?
Product: Credit card or prepaid card

Bank of America is a credit card servicer for the XXXX XXXX credit card. Bank of America advertises and promises zero liability for unauthorized charges, however it willingly fails to protect its clients from unscrupulous merchants who overcharge their clients accounts. Bank of America engages in deceptive marketing practices in promoting their credit card products. 

On XXXX/XXXX/XXXX an unscrupulous merchant overcharged our credit card {$480.00} after misleading us with the true cost of their services. 

We were promised and quoted by a XXXX XXXX XXXX XXXX representative on the phone for the rental car a total of {$30.00}. XXXX XXXX XXXX XXXX representative did make material representations as to the total car rental charges including taxes and fees on a recorded line. We returned the rental car in an excellent shape, no tolls, full gas, and no damage. However, the merchant single handedly decided to over charge us by {$450.00} quoting their " final audit '' policy. 

Bank of America, when contacted, failed to reverse the charge claiming their website is unable to accept audio files of a recorded conversation where merchant represented to us that the rental cost would be {$30.00} including all taxes and fees. 
And yet, the bank claims zero liability on their credit card marketing materials. Bank of America fails to protect their clients and purposely designs their site to hinder any such disputes or claims. 

It is our understanding that Bank of America cunningly engages in misleading marketing in promising zero liability. 

I am aware that in XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotions. http : //www.consumerfinance.gov/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/ I would like to kindly request that the CFPB carefully review the initial complaint, pool similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.
Product: Checking or savings account

I tried to send my sister {$350.00}. She tried to sign up for the train account. And it ended up freezing and covers. She couldn't make a second account then. Afterwards, it said the money was claimed. We called chime right away. And at that time, she was able to sign up on the count. But no money was sent to my sister. And it was taken from my account. I have spoken with several supervisors in the escalations department. Who have verified that? Neither my sister nor me have that. XXXX dollars, and that it needs to be refunded to my account. They are try to help me file disputes. But trying automatically denies my dispute. Because they say she sent the money. Yes, I did send the money. But there was an error in their system. And the money was never actually deposited. I need my refund for this amount.
Product: Checking or savings account

I am submitting this due to the extensive delay with my deposit funds that I have worked hard for with no updates on what is going on. It has now been XXXX  days. I have been patient and just kept rechecking the account to see if the deposit is there. This causes financial issues with consumers because life and bill payments do not stop. This is just unfair to consumers. Now customers have to suffer on the other end with mortgage, car, utility payments and even more. We incur fees for this for it being " late '' even if it was not our fault.
Product: Credit reporting or other personal consumer reports

unauthorized inquiry that I did not authorize. 

1.I C System {$210.00}
Product: Checking or savings account

In early XXXX of 2023, {$25000.00} was stolen out of my equity line. I still have yet to be refunded by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020, Transunion still reports XXXX XXXX XXXX as verified even though I've sent Transunion documentation explaining inaccurate last date of payment. Wrong or misleading balance owed or past due. As a result of TransUnion is in Violation of FCRA rules.
Product: Debt collection

Hi, I have reach-out XXXX XXXX since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( XXXX ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. XXXX XXXX did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. XXXX XXXX only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. XXXX XXXX will have to a do a U.C.C Lien search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I logged in this morning XX/XX/20 to payoff the loan and I entered my debit card and processed the payment and an error occurred so i checked my account and the funds were pulled. I called back and Advance Financial says I didnt send the payment. I called my bank XXXX and they show the payment was pulled from my checking account on XX/XX/20. I asked for a supervisor and I got the run around until I got someone on the line and probably wasnt a supervisor but didnt nothing and I made my payment as the contract says I am supposed to but Advance Financial will not help me. They are just rejecting payments to get more money through interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This book rental was returned but it is reporting to my credit as not returned and showing that I owe a balance. Since I returned the book rental, this should not be reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

About once a year since XXXX, my account at USAA gets connected with my ex wife 's account. I separated the accounts in XXXX and when these problems started I ceased all financial accounts with USAA. In XXXX, I stopped doing car insurance through them as well. At least twice I have been able to log into USAA.com and was able to see her account balances. Each time I called and was assured that the accounts were separated. Going online seemed to confirm this until the next time it occurred when the linked accounts returned. On Monday XXXX XXXX, XXXX. I received my ex wife 's debit card mailed to my current address which had changed since our final divorce decree in XXXX. Either USAA is letting my wife into my accounts or they are not safeguarding both accounts. I have no desire to receive her debit card which I 'm pretty sure is a complaint and illegal from her point of view. 

I view USAA 's inability to secure both my ex-wife 's and my accounts as a potential credit / identity theft as reasonable grounds to permanently remove my membership in order to prevent this from reoccurring annually for the rest of my life.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies.

Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting or other personal consumer reports

I have a couple inquiries XXXX XXXX XXXX from this company I dont remember where this inquiry came from. When I did the credit card it was to see if I can be pre-approved and stated it wouldnt affect my credit. I have contacted transunion but they have yet to remove these hard inquiries after a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Balance : {$7300.00}