23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 the amount of {$690.00} was last reported on my credit. I was previously getting spam call attempting to collect a debt from a company I have no knowledge of. Pursuant to 18 USC 8, I owe no debt. This company is violating my customer rights to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I was oblivious to this Toyota Motor credit co account being opened in my name on XX/XX/ balance of ( {$26000.00} ) this account was opened fraudulent and Toyota did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but Toyota is still reporting this charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help.

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 XXXX XXXX XXXX XXXXXXXX 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 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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX 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 card or prepaid card

I've seen no changes for the accounts that I have filed last month, I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX )
Product: Credit card

I paid off the balance on my tjxrewards card and also have it on autopay. Your confirmation says that it will take 48 hours to reflect on your account. In five days it still did not show and my available balance did not change. I called and they said because it was an unusual payments I would have to wait 5 more days. So you get penalized for paying your bill & website confirmation is a lie it may take 10days for a payment to show. I paid from my regular bank account that I have had for years
Product: Debt collection

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$490.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for reported transactions.
Product: Credit card

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the XXXX is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As mandated by the FCRA, consumers are entitled to one free credit report from each of the nationwide credit reporting companieXXXX XXXX, XXXX, and TransUnion every 12 months. I made my initial request for my free annual credit report on [ insert first request date ] via [ specify the method used : online form, phone, mail ]. Despite this request, I did not receive my credit report. 

Following this, I made subsequent requests by phone. To date, I have not received my free annual credit report from TransUnion. The failure to receive my requested report has impeded my ability to monitor and manage my credit profile effectively. 
Please note that each instance of non-compliance may be subject to legal penalties under the FCRA. For your reference, the FCRA requires that credit reporting agencies must provide consumers with a free copy of their credit report once every twelve months upon request.

I hereby insist on immediate compliance with my request. Please ensure that my free annual credit report is sent to me without further delay. If I do not receive my credit report within the statutory timeframe following this notice, I will consider taking further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and seeking legal remedies as provided under the FCRA.
Product: Credit reporting

I have asked Transunion to investigate XXXX XXXX XXXX XXXX reporting of an account on my credit report several time. This account is charged off for the past 5 years but it first delinquency date happened on XXXX/XXXX/XXXX over 7 years ago. However XXXX XXXX XXXX XXXX is reporting this credit card as been paid up until XXXX XXXX, although I became delinquent on this account as of XXXX XXXX and was never able to make a single payment ever again. I have requested payment information from XXXX XXXX credit union several time to no avail. Then I have disputed payments history accuracy with Transunion, XXXX nad XXXX and some how the payment history comes back verified. When I asked Transunion to provide me with name of the person wo is verifying this information they refused.
Product: Credit reporting or other personal consumer reports

I submitted copy of identification 3 times, copy of XXXX 3 times, I submitted Utility bills 3 times, I submitted paystub all reflecting current address of XXXX 3 times. XXXX continue send stall letters instead of correcting the misinformation after submitting the recommended documents they requested to verify my address.
Product: Debt collection

AS STATED I WAS IN MICHIGAN WELL BEFORE THIS DATE. Attached is the lease agreement starting on XX/XX/year>. I WAS IN XXXX XXXX XXXX  WELL BEFORE THIS DATE. This is not my debt as Ive stated MULTIPLE TIMES
Product: Vehicle loan or lease

Hello, I obtained a XXXX XXXX XXXX with santander in XXXX. I had XXXX  insurance with the company but paid off the vehicle with the company before the term of the loan, but the XXXX  insurance was not refunded to me. I requested this from dealership and company with no avail.
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 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Sections 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax XXXX XXXX RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Product: Credit card

A few weeks ago, I called and made a one time payment to pay down my brother 's credit card balance with Capital One XXXX. I was very clear with the representative that this was a one time payment ONLY and that my payment card should NOT be permanently linked to the account. My brother informs me that in fact Capital One did link my card to his account and it gives him the option to use that bank account to pay his bills every month.. I find this an outrageous negligence to link my card without my permission. My brother informed me and has not used my card without my knowledge, but that is not even something I should have to worry about. A financial institution such as Capital One should take seriously that any relative making a one time payment for a family member in need does not want to have their card permanently linked to an account without permission. When I called Capital One to fix this, two representatives ( including a supervisor ) both told me that my brother would have to call to fix this. I have asked my brother to remove my card from the account and trust that he will, but I am still shocked and alarmed that I would ever have to worry about giving my bank account information to a financial institution and not be able to trust in the security and privacy of that data. If Capital One can not be trusted to safeguard bank account information of people calling in to make one time payments, then they should not be in business.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Off Accounts from Credit Reports Complaint Details : To Whom It May Concern, I am submitting this complaint to request the removal of inaccurate charge-off accounts being reported on my credit reports by Experian, XXXX, and XXXX XXXX The accounts listed below no longer represent valid debts and are inaccurately reported, as the amounts in question have been canceled and considered taxable income by the IRS. 
According to IRS regulations, canceled debt is treated as income and is reportable to the IRS via a Form 1099-C. Such income can not simultaneously be reported as outstanding debt on credit reports, as this practice creates a misleading and unfair representation of my creditworthiness. This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information. 

The accounts that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report ( Report # XXXX ) for reference. 

Requested Resolution : I am requesting that Experian, XXXX, and XXXX remove the above-listed accounts from my credit reports immediately. Additionally, I request confirmation of these actions and a copy of my updated credit reports. 

Complainant Information : Name : XXXX XXXX Email : XXXX Address : [ Insert Your Address ] Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

Thank you for the opportunity to ask for assistance. 
On XX/XX/year>, at XXXXXXXX XXXX., I received a phone call from Wells Fargo Bank. The # listed on my phone is XXXX. On the line, a representative ( I believed ) asked for me and when I acknowledged my name, went on to say that my accounts had been hacked through XXXX. He directed me to a XXXX representative and I told this fellow to call me back in 5 minutes so I could access my account on my computer. I also called the XXXX # listed above to see if it was legit. The normal Wells Fargo recorded message answered and I believed this was all real. 
When the supposed XXXX rep called me back, I moved money from my accounts and was led to believe that it would all be replaced. It was not. I admit that I am a fool for falling for this. I had approx. {$2000.00} scammed. 
When I called Wells Fargo to notify them, they opened inquiries and filed a report. Within a few days, a small amount of money was returned, but {$1500.00} is gone. I received XXXX separate letters stating first that they were investigating, then that they say that 'these payments were processed as requested, and that no error occurred. ' For me, the error is that I have NEVER seen a message from Wells Fargo alerting me that their dedicated phone numbers could be hacked and used against their customers. Asking for your help is all that I know to do. Isn't my money insured in some way? Doesn't Wells Fargo bear any responsibility for having dedicated numbers vulnerable to cheating customers? Aren't they a massive company with the world 's best IT people? 
Thank you for your time in this matter. Best Regards
Product: Debt collection

VALIDATION AND CEASE AND DESIST Paragon Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Paragon Revenue Group, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Bayview Loan Servicing response is incomplete and did not provide a sufficient answer to the questions. Please provide the following : 1 ) amortization schedule for mortgage. 2 ) review payment history and match payments in suspense account with monthly payments dating back to XX/XX/XXXX - XX/XX/XXXX BAYVIEW LOAN SERVICING DID NOT REPORT ALL MONTHLY MORTGAGE PAYMENTS MADE and resulted in inaccurate reporting for XXXX Mortgage Interest Statement showing {$4300.00} mortgage interest received - please look at payment history provided in this complaint and cross reference with Bayview Loan Servicing records.

4 ) Please explain how all the below calculations were calculated and reported on The XXXX Form XXXX Mortgage Interest Statement Bayview Loan Servicing reported {$24000.00} - Total Interest Applied XXXX : see below Total Interest Applied XXXX : {$20000.00} Payments Applied to Previously Deferred Interest : {$6300.00} Prepaid Interest Applied : {$2700.00} Net Prepaid Interest ( Current Year ) : {$2700.00} XXXX Mortgage Interest Received from Payer/Borrower ( s ) : {$24000.00} ALL CREDIT BUREAU '' S - Bayview Loan Servicing has not reported Monthly Payments.

IN REGARDS TO THE STATEMENT FROM BAYVIEW LOAN SERVICING THAT THIS A DUPLICATE QUESTION ... THIS IS NOT A DUPLICATE QUESTION AND BAYVIEW LOAN SERVICING MUST STOP USING THE TERM " DUPLICATION '' AS AN EXCUSE NOT TO PROVIDE THE REQUESTED DOCUMENTATION. IT IS POSSIBLE THAT THE HIGH TURN OVER OF PERSONNEL INSIDE BAYVIEW REQUIRES REPEATING THE QUESTIONS BECAUSE IN MY EXPERIENCE THE SAME PEOPLE THAT WERE ASSIGNED TO MY CASE HAVE QUIT OR HAVE BEEN MOVED TO A DIFFERENT DEPARTMENT> THE ABOVE STATED REMAINS AN UNRESOLVED ISSUE. PROVIDE THE INFORMATION.