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

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX for this account however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General.
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 XXXXXX/XX/year>
Product: Debt collection

Collins Asset Group , LLC reported information to my credit file in XX/XX/XXXX with an account origination date of apparently XXXX. I have never entered into a contract agreement with Collins Asset Group , LLC. I contacted this company via phone for additional information as they claim I owed them {$4900.00} and request this be removed from my file as it's being reported without validation. They said they would send me proof. Nothing has been received. I have also emailed this company twice at the email on their website to get validation of this alleged debt on XX/XX/XXXX, and again on XX/XX/XXXX. No response. I've yet to receive documentation proving this account is mine. It is now XX/XX/XXXX. 

Per the Fair Credit Reporting Act, after a request for debt validation and no response from the collection organization within 30 days, any reporting on my credit file constitutes an illegal continuation of collection activity. Collins Asset Group , LLC is incapable of verifying the information of this alleged debt, so I can not verify this alleged account. I have given Collins Asset Group , LLC ample time to resolve this alleged debt. 

This account needs to be removed from my credit file. In addition to reporting this here to the CFPB, I will be reporting them to the Texas Attorney General 's office and seeking legal action if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX XXXX XXXX XXXX I financed with XXXX  consumer for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recently announced Equifax breach, I have tried to request a Freeze on my credit report with all XXXX bureaus. I have tried contacting the freeze phone number for Equifax and XXXX that is published on XXXX 's website ... I receive an error message stating that the service is not currently available. I have made the phone call attempt multiple times. 
From there, I tried to submit the freeze request via online. This attempt was also unsuccessful as I get an error message that the server is not available. 
I was successful in requesting a freeze through XXXX, however both phone and online options have not been successful with Equifax or XXXX. I need to request a credit freeze due to the breach, but can not do so. The attempts made have been XXXX times, literally. In other words, I am not submitting this complaint after only trying the phone number or online XXXX or XXXX times. I have literally dialed the number and/or tried the online request XXXX times. 
My credit and identity is at request through no fault of my own and I would like to request a freeze for my protection, but the tools that Equifax and XXXX have provided are not in working order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/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 accounts that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 CreditBureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was talked into taking out XXXX loans to attend XXXX ( a XXXX XXXX  campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX XXXX who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX
Product: Student loan

MOHELA keeps calling me, trying to get me to make payments and emailing and dept of education too, but I am a current attending student and should be in in/school deferment. MOHELA is trying to force me to start making payments or else I will be stuck into default. These student loans are already unconstitutional, as all rights to uniform bankruptcy and borrower rights and protections have been uniquely removed from all student loans. As a result, current lender, MOHELA, and the Department of education are now doing whatever they want with me, forcing me to default in the past, have to rehabilitate my loans to get back to school, and now that I am in school, they are trying to force me into repayment or default again. Not a single MOHELA rep will answer my calls or emails and dept of Ed will not help either. I need immediate assistance so I dont get forced into default again and kicked back out of school because of their incompetence.
Product: Debt collection

On XX/XX/2022 I sent a formal request for Cease and Desist. 
Between XXXX - XXXX, they have contacted me 28 times via phone calls and messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a letter regarding inaccurate things on my credit report. I still havent recieved any response. I fell take advantage of because my disputes are being ignored. Section 611 ( a ) states investigation must be completed in a timely manner. I demand these accounts be deleted immediately or i will file litigation due to the stress you caused me. My information was also impacted by the equifax data breach and my have got into the the hands of the wrong person.
Product: Checking or savings account

On XX/XX/XXXX, I went to a Regions Bank location and requested that my joint account be closed with my son. I am currently the legal guardian of my son and presented paperwork that shows I have legal authority to handle his legal and financial matters. The bank confirmed the account was at XXXX balance and that the account was closed. They took the debit card associated with the account and cut it up. Two days after closing the account, a recurring charge was presented to the account and created a negative balance. I chatted with Regions Bank and informed them that the account had been closed and that any charges presented to the account should have been declined. They informed me that despite the account being closed, when a charge is presented, the account will reopen and go through. I specifically asked them what the point is then of closing an account if future charges can go through and reopen the account. They told me they could not assist me in reclosing the account until it was back at {$0.00}. I made a XXXX  payment to the account and brought it {$0.00}. They provided me a confirmation number that the account would be closed. The next day, I had an alert that there was a {$36.00} overdraft fee for the account being negative, despite my closing the account at a XXXX balance. Regions Bank stated they are not able to reverse the overdraft fee.
Product: Credit card or prepaid card

I keep getting this text and I dont even have a chase account
Product: Money transfer, virtual currency, or money service

PayPal refuses to release my funds citing a need for additional forms of ID ( Ive given them it already ), blaming the sender and suggesting that I buy an XXXX XXXX instead of using my ( up to date ) XXXX. 

This is over {$50.00} and I believe the inconvenience to be a trick to get my banking info since every rep says I could just link a bank account and the problem would be instantly fixed. 

Theyve also refused to just mail me the money, citing a need to confirm my identity even though they have my address and ID PLUS ITS JUST {$50.00}! 

Please follow up, this is a predatory practice
Product: Mortgage

This complaint concerns serious violations of the Real Estate Settlement Procedures Act ( RESPA ). Although there are numerous violations under RESPA by more than one lender, I will direct this complanit to the most severe of the violators, PHH Mortgage Company! 
PHH Mortgage, who was our original lender when we purchased our home, has committed acts of mortgage fraud concerning our mortgage loan ( s ). PHH Mortgage has committed these violation without our knowledge and or consent. If you review the attached HUD-1 Settlement Statement ( s ) you will see that the statements are without our signatures on them. However, the figure on the statements that claimed PHH Mortgage gave " CASH TO BORROWER '' in the amount of {$35000.00} in a refinance transaction in XX/XX/XXXX, and again gave " CASH TO BORRWER '' in the amount of {$11000.00} in XX/XX/XXXX. Both of these statement are false/fraudulent statements because we never received any funds from these purported refinance transactions. In addition, we were not aware of the outrageous refinance fees totaling {$60000.00} in XX/XX/XXXX, and fees totaling {$16000.00} in XX/XX/XXXX. 
This is a classical case of lender stealing homeowner 's EQUITY using ficticious figures to swindle homeowners. The evidence concerning these allegations are in the attachments to this complaint. ( See Mortgage History, and excerpt of Securitization Audit ), and ( See HUD-1 Settlement Statements ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union investigated my identity theft by removing the fraudulent account but then charged me with opening and closing the account by knocking my credit score down by 60 points when I re-explained to them that it was identity theft in the first place.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 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 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
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints already in with the CFPB stemming from the same issue, complaint nos. XXXX and XXXX. I have to open up a new complaint because the complaint portal won't allow me to add information. But, this is required. 

My new scores are as follow XXXX XX/XX/XXXX, XXXX from XXXX, operated by Capital One. I'm glad XXXX XXXX XXXX is one of previous parties on the first complaint, because I see credit inquiries on XX/XX/XXXX that from XX/XX/XXXX but I have absolutely no idea where it is originating from. 

Something needs to be about the sensitivity of these scores. I believe my score went down from the original reported of XXXX to XXXX for unjustified reasons. I've said this before to the CFPB, regardless of what reporting company I log into, I see that half of my credit inquiries aren't acknowledged or recognize. And this doesn't become an issue until one gets denied credit for that specific reason. And I am at that stage now. 

XXXX XXXX XX/XX/XXXX reported my credit limit over on five dollars, and it's probably done immediately prior to me making any payments. I make my monthly payments and have no knowledge that they did something. 

With the number of my open accounts and my billing routine, I can tell you that my credit usage is high but I most certainly shouldn't be categorized as poor or even a fair score. These credit cards marketing applications are not properly sourcing their reports, third party companies are running random credit inquiries, and furthermore, it could done predatorially. 

I find XX/XX/XXXX to be the least obtrusive credit reporting company, however they still go the extra mile and ask consumers to link their bank accounts. I am banking with XXXX XXXX and that connection between the two companies does not link easily and who knows what security might get breached as a result. 

Credit Reporting companies need to avoid particulars. I wouldn't have so many credit inquiries if these pre-approval offers weren't considered sales by networking professionals. 

My score is XXXX ... my inner conscience tells me this. And isn't that what we are really struggling with, conscience.
Product: Credit card or prepaid card

i got letter From the Court that i am being sue by Capital One bank that i dont know authorized. Its on the letter just show the amount over {$10000.00}. I log in to capital one bank to see what a transaction for but my account was closed. how can i reponsIble to amount money i am not recognized that or i never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have continually billed my account for 2 years  and I was not able to log in and use their services. Submitted several lock requests in XX/XX/XXXX and XXXX, and XXXX. 

Major refund of all services because my subscription fee was rendered USELESS due to their continuous lockout and inability to refund or compensate for loss.
Product: Credit reporting or other personal consumer reports

I called the childs support agency and they said they do not report to the credit bureaus. They are improperly using my credit report. Childs support is not a line of credit. They placed it on my credit report XX/XX/2023.
Product: Student loan

I called Navient to lower my student loan payment because I can not afford to pay {$450.00} a month. I tried to reason with them and ask for low income payment but they continued to deny me because my parents were co-signers. We spent 3 hours on the phone arguing and they said they would n't do anything until I was put into collections. They said my type of loan did n't qualify. The bottom line is I can not afford these payments making {$18000.00} a year. Half my income is rent and utilities.
Product: Checking or savings account

Contacted Truist a couple weeks ago after I noticed a deposit that I wasn't sure of the source. I was transferred to the fraud department for assistance. The agent informed me that the account would need to be closed just in case it was an attempted fraud. I informed him that I am unable to go to a branch due to illness. He advised me that I didn't have to go to the bank, that he would have a different department assist me with closing the account and transferring the money to a different account. I asked him if he was sure and he stated he was. After he transferred me to the agent that he stated would help me to transfer my money, the agent stated a block was on the account and it wasn't possible to do any type of transfer/ withdrawals from the account. She also told me that only the fraud department could remove the block. I spent almost TWO HOURS on the phone without a resolution. I contacted Truist again and was told that someone would have contacted me to resolve the issue. To date, I have not received a call from anyone and I'm still unable to access my funds. I accidentally made a deposit of {$300.00} to the account and I am unable to access it as well. This {$300.00} was supposed to be used for my husband 's child support payment. I would not have allowed the agent to place a block if I knew that I would not be able to access my funds. I would have transferred the money into a different account before he took any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions