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

From XXXX to XX/XX/year>, I was undergoing mission training at a U.S. Army military base. I have never contacted XXXX XXXX for any financial services. However, my credit report shows a new auto financing account from XXXX XXXX, with an outstanding balance of {$23000.00}. The account was opened on XX/XX/year>, during which I was undergoing XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. Since this unauthorized account was added under my name, my credit score has plummeted from XXXX to XXXX. 

This is a case of identity theft. I have called XXXX XXXX and TransUnion to request an investigation, but their response has been extremely slow. I have already filed a report with the XXXX Police Department in XXXX XXXX, and the case number is XXXX. 

I have since retired and returned to XXXX XXXX, but XXXX XXXX has caused a significant negative impact on my life. They have been irresponsible in promptly completing the investigation. Due to the damage to my credit, I am now unable to rent an apartment, and my life has been severely disrupted. I am seeking your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries reporting to my credit account that i do not recognize nor have i given permission to pull my credit file. these companies have violated my rights as a consumeXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX  XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
Product: Credit card

my two active capital one credit cards were close by the company unexpectedly, i called the company to found out why they close my account, that cause my credit score to drop XXXX points, they told me it was because of insufficient payment funds, i explained to customer service that the payment was available, also at that time it was a week of computer glitch, they told me there is nothing they can do to keep my cards active. so they close both of my credit card accounts, with no pass due credit card debt. i told them it was wrong and unfear, the computer glitch was a world wide event. again they told me there were nothing they can do to keep those credit card accounts active. these unexpected credit card closer, cause a great amount stress, and disappointment to my family and i, because we were on vacation at the same time, all this was express to capital one. they will chose to close my credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified XXXX, Equifax, and XXXX about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the companys mail the account number and date of last payment remains in error, in which is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. XXXX to you right off the bat for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this before they said they will be taking off my credit they took it off my XXXX but they didnt take it off my XXXX XXXX XX/XX/2022 from XXXX because I never applied to them
Product: Credit card

This is the second time, I've been assessed interest on a balance paid in full. The first instance was due to a system error, and a fee of {$1.00} was waived. In the second instance, I paid the full balance, but was unable to pay the amount of interest that would be assessed. When interest was assessed, I paid the interest on the day the payment was due. However, I was still assessed a late fee on a {$2.00} interest balance from a balance that had already been paid off. I called customer care and was advised that only {$15.00} could be waived. I've been a loyal customer, and never had late payments, I'm requesting the full fee of {$35.00} to be waived as a true courtesy, because I've never received a refund. I appreciate XXXX as a company, and would like to see that XXXX  values my business and time, and do what is right for the customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To whom this may concern, I am a victim of identity theft and have reached out to your company as well as the original creditor several times. I have done much research on consumers ' rights as well as contacted an attorney regarding this matter.

In accordance with the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A creditor 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. In accordance with the Fair Credit Reporting act, by rights have been blatantly violated. 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. 
I have no knowledge of these companies and they should not be reporting as I never gave permission for the reporting per Section 1681a : XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX account XXXX XXXX XXXX XXXX XXXX  opened XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened XXXX account : XXXX XXXX XXXX XXXX  opened XXXX account : XXXX XXXX  XXXXXXXX XXXX  opened XXXX account : XXXXXXXX XXXX XXXX  opened XXXX I am demanding that these fraudulent and unauthorized accounts are removed from my credit report. I have no knowledge of such accounts and also have not given written consent to report them per Section 1681a of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : 1. BB & T OWES ME {$1800.00}, ALL BB & T ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE BB & T AND BB & T TRIED TO EMBEZZLE ( STEAL ) {$720.00}. BB & T BANK IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MR. XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2.  XXXX  XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX  ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear bb & t bank XXXX Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT CHARGUE {$300.00} THIS ACCOUNT IS PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

A company XXXX XXXX XXXX XXXX with which I have never transacted has fraudulently posted a collection report on Equifax. I have disputed this with Equifax. However, Equifax failed to remove this posting on my credit report. Since I have never had a relationship with the collections company or the vendor for which the collections company is posting, I am not able to provide any additional information to Equifax on this matter. In contrast, Equifax has failed to provide any additional information on the posting. Further, I am not able to communicate with Equifax with their online platform because they apparently attribute a variety of other credit items to my file that are ( incorrectly ) being used for verification purposes. I received a hard copy of my credit report which did NOT include any of the incorrect verification questions. This suggests that Equifax online data for my file is also incorrect.
Product: Debt collection

I n  XX/XX/XXXX  the re was a HSBC credit card opened in my name, when I found out about the credit card I took immediate action. I contacted HSBC to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XX/XX/XXXX  and in  XX/XX/XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XX/XX/XXXX  the debt was sold to  XXXX   XXXX   XXXX  and when I learned about this, I contacted HSBC to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, HSBC always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
Product: Credit reporting or other personal consumer reports

My account withXX/XX/XXXX was never late! I have had exceptional payment history with 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 paymen t reported in 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 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, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the account. XXXX XXXX XXXX XXXX XXXX  ; If Equifax feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Equifax do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. 

The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. 

As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. 

In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. 

This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.
Product: Checking or savings account

My debit card was fraudulently used by someone I do not know at an online banking service called XXXX. The criminal sent and stole {$270.00} from my checking account to this service. Chase bank told me they would investigate this and I figured this is a pretty clear case of a hacker stealing my debit card information and stealing my money. Chase has since proceeded to tell me that their conclusion is that this was not fraud and that they would not refund the stolen money. I find this to be pretty ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Chexsystems ( 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however Equifax will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, XXXX, showing me an issue or two, and Equifax showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.
Product: Debt collection

i asked this company before to validate this debt and they ignored me. now i keep getting collection letters from them. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for apparent violations of the Equal Credit Opportunity Act ( ECOA ), which I believe may constitute securities fraud. I am deeply concerned about the denial of my credit application by XXXX XXXX, as I assert my rights as a consumer under the ECOA. 
Violation of Equal Credit Opportunity Act ( ECOA ) and TILA : I, as a consumer, am protected under the ECOA and TILA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. I believe that the denial of my credit application is a direct violation of my rights under this Act. 
Securities Fraud Implication : Denying credit without valid reasons may be indicative of securities fraud, as it potentially misrepresents the financial standing or creditworthiness of the consumer. Such actions can lead to false information being provided to investors and shareholders. 
Consumer Rights to Credit : The extension of credit is a fundamental consumer right. Denying this right without clear and justifiable cause not only violates my rights under the ECOA but also raises concerns about fair and ethical lending practices. 
I request that XXXX XXXX either returns my credit application unendorsed or proceeds with the consumer transaction as per my rights. I believe that any denial of credit should be based on valid and non-discriminatory factors, and I request a thorough investigation into this matter. I kindly ask the Consumer Financial Protection Bureau to investigate this complaint and take appropriate action against XXXX XXXX if any violations are found. I am also open to providing any additional information or documentation that may assist in the investigation. 
Thank you for your attention to this matter. I look forward to a resolution that upholds consumer rights and ensures fair and transparent financial practices.