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

Since the creditor has already received payment for the debt when it was filed on their taxes, 604 15 USC 1681B debt that is charged off can not be reported on your credit report, which is subject to a {$1000.00} fine for each negative item on the report. Additionally, they are reporting XXXX  every month, which I know is illegal because if the debt was charged off in XXXX, it can not report every month. I have been trying to get the accounts removed with Experian for a while now, but they are verifying accounts in a day. You can not verify accounts in a day if you haven't done a full investigation
Product: Checking or savings account

On XX/XX/XXXX a deposit from irs for the amount of {$40000.00} on XX/XX/XXXX a hold was placed on my account for unusual activity. I have contacted chime on numerous occasions since, provided all documents needed and still have yet to receive any information about my funds.
Product: Debt collection

As of XX/XX/year>, I attempted to open a checking account for my XXXX child and was denied. Reasons unknown to XXXX trust its an assumption fraud or a debit owed on the old XXXX XXXX XXXX account showed up via chex systems , Inc. I am unaware of any debt and suspect fraud. I would like the information removed immediately!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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/XXXX
Product: Credit card or prepaid card

Someone at the XXXX XXXX XXXX XXXX XXXX XXXX La around XX/XX/2020 after filing early XXXX address stole my identity by creating account and linking bank account to my unemployment account from XXXX to XX/XX/2020 I have copys of reference number after access the credentials for that account stating that my identity was stolen I have to file taxes on something I wasnt even distributed due lack of security and privacy allow anybody any. Number any souls who provided my stolen information to allow XXXX for 6 months straight and never inform me
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX has sent foreclosure notices and notices of an auction on XX/XX/XXXX to me for XXXX XXXX XXXX, XXXX, MA, XXXX. I am not on a note and am on the title and deed for this property. Someone has forged my signature on a second mortgage on the home. Please refer to US Bank v. Ibanez, which discusses what/how the Mass statutory foreclosure process works. This case made national news for its impact on the secondary mortgage market. The note which I did not sign is not on file in the court of MA, yet XXXX XXXX XXXX XXXX XXXX is attempting to foreclose and XXXXXXXX XXXX XXXXXXXX is attempting to charge me additional fees for someone else 's debt. 
This fraudulent activity has also impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is reporting on my credit profile with XXXX, Transunion & XXXX. I have never apply for or seek credit from this agency. I have an identify alert on my credit profile and was never contacted by this agency. Also all my contact information. Please provide my signature and my account number used to seek credit. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$350.00} Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney
Product: Vehicle loan or lease

In early 2019 Credit Acceptance Corporation had the understanding that I was unable to pay my bill. I voluntarily repossessed the vehicle due to not being able to make payments they stated that they would then put it under voluntary repossession and I wouldnt be responsible for the balance of {$13000.00} for a used vehicle. When you pull my credit report it does not show on the report. But when you pull my public records it shows they are trying to garnish my paychecks in which I had no knowledge of this and havent spoken to anyone about this. To my understanding once the car was out of my hands it was not going to be on my credit report or I would have my paychecks garnished.
Product: Debt collection

I have n't received any letter regarding my payment and directly sent to the collections.I noticed after almost a year on my credit report that I have a collections and called Mountain landing collections and paid the amount which was said that owed.Now after almost a year later I see still XXXX $ on XXXX saying that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote to XXXX, Experian, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

Accounts : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with XXXX XXXX Acct # XXXX XXXX with XXXX, Equifax and XXXX XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report Experian LLC, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are in violation of my consumer report. I have a right to privacy and they have a RESPONSIBILITY that they have completely disregarded to keep my non-public information PRIVATE. the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition, 15 USC 6801 states that reporting agencys have an obligation to keep my NON-PUBLIC information private. Which is obvious XXXX XXXX has not. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never gave me the option to OPT OUT of credit reporting. With that being said Ill add that 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. Well Im opting out of credit reporting services IMMEDIATELY since XXXX failed to comply with the law and decided to SELL my personal information without my consent. Finally, 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency can report ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Which Ive never been convicted of a crime but XXXX should be for defamation. 


Experian, XXXX, and XXXX are in violation per 15USC 1681a ( 2 ) ( a ) ( i ) stating- the term consumer report does not include : all transactions or experiences between the consumer and the person making the report.
Product: Vehicle loan or lease

So wellsfargo auto has been by their own admission posting my payments 14 or more days after I made the payments causing me to rack up late fees. On or around the XXXX XXXX XXXX  a wells fargo employee told me not to pay anymore towards the auto loan untill they have posted my payments and fixed my account status. Then I received a bill for {$2300.00}. So I began trying to speak to a supervisor but no one called me back instead they came and got the car. I filed a complaint with you you and they git an extention and my car was to be auctioned off on the XXXX XXXX XXXX XXXX. I canteen get it back. It's not that complicates if anything it gives them time ti cover there tracks I have no car still missed the birth of my grandson XXXXXXXX XXXX lost my job cause I cant get to work. I put {$20000.00} into the car already and they took it for less than my XXXX XXXX  payment I shouldn't have owed them anything .when they took it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquiries found in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes at this moment. I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. I AM ALSO CLEARLY AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL, AND TIME CRITICAL that these items be removed from my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report as YOU GUYS are currently doing. PLEASE take this matter seriously and remove the items listed below off of my credit report. Lastly, please be sure to send me the results of this request. Thank you. 

Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX $ Name : XXXX XXXX XXXX IN Opened : XX/XX/XXXX Balance : XXXX $ Name : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX $ Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX $ Name : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX $
Product: Mortgage

Hello my name is XXXX XXXX and XXXX XXXX. I'm contacting you due to how our modification was handled with Amerihome Mortgage. We did the Covid 19 option to place the payments on hold. After Covid relief was over my husband applied for a modification. It took Amerihome Mortgage almost a year to let us know he did not qualify due to his income was too low. Amerihome told us to call them 1x a month and we did. We called and was told as late as XX/XX/XXXX that everything was fine and it looked like the modification was good. We called the beginning of XXXX to and found out the modification was denied and the house was sent to an attorney. They never asked for more income because I could have easily been added to the application as a contributor. Since affordability was why he was declined it shouldn't have taken such a long time to let us know this. Affordability something that should have been identified at the beginning of the process. Now the loan is XXXX behind and more than a year, which made us ineligible for the XXXX grant that Georgia provides. It also made us ineligible for a few programs FHA provides since it's more than 12 months. The house is being set up for foreclosure now. I have reapplied with our combined income ( I'm not on the loan ) but I am worried about Amerihomes competency in offering modifications. I can not trust what they say. We have also emailed the Attorney, XXXX XXXX, and called and haven't received a call back or response to our email. No one should be treated this way. The COVID 19 mortgage assistance has backfired and Amerihome mortgage shouldn't be allowed to do this to people. Our modification was mishandled. We asked several times for a Supervisor to call and never received a call back from anyone in management. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN continues to claim that my credit rating is needing help to improve my credit score when other agencies are showing increases. They try to get you to buy upgrades through their agency to improve your credit score or change your membership from free to monthly payments. I became a member of EXPERIAN due to XXXX XXXX breach and was given a free membership! I believe that their practice is unprofessional and unethical! THE GOVERNMENT NEED NOT USE CREDIT REPORTING AGENCIES THAT ARE TRYING TO GET RICH OFF THE BACK OF TAXPAYERS ALREADY ABUSED BY CREDIT AND INFO BREACHES.
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. 
has violated my Consumer rights : Account name : XXXX XXXX XXXX  Bankruptcy : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  : # XXXX Account name : XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX : # 1XXXX, Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX : # XXXX 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 recently received a copy of my XXXX, Equifax and XXXX consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.
Product: Debt collection

i received a call on XX/XX/2019 around XXXX, and missed the call. I returned the call and questioned the call. the representative asked for my phone number to pull my file, and said she was calling for united consumers inc, I paused and she pressed that she was calling for a "medical file" reason. I questioned if she was calling from my hospital, and she pressed me for my date of birth to verify my information. I did not feel comfortable with this but she asked for my information again. Before she was able to get my additional information she never indicated she was a debt collector, or collecting information to pursue an alleged debt. After verifying my date of birth. She continued the conversation revealing she was calling to collect a debt alleged to be against me. I find that the way she started the call was deceptive and she should of revealed that she was attempting to collect on the onset of the call. I told her that I would like verification of the debt, and she argued that it was already sent, also she asked if I would be paying the alleged debt and i indicated i did not want to answer, so she said she would place in the file that I refused to pay which is incorrect. she asked for my confirmation of my employer for what I believe was an attempt to infer that she would let my employer know i have an alleged debt against me.in the end of it all i am disturbed at the way this was handled, she misrepresented herself at the onset of the call, asked for information before indicating it would be used in an attempt to collect an alleged debt, and spoke to me in an abusive manner.
Product: Checking or savings account

I had a business associate deposit a transaction into my Citibank checking account. The XXXX was returned to Citibank as the account sending the funds was frozen/blocked. I had told my business associate to only send wire transfers to my account because I did not need my account closed due to a returned transaction. In the meantime, I have over {$1800.00} in my Citibank checking account. When I called Citibank customer service on Thursday, XX/XX/2024 to inquire about the funds being sent to me. I was informed that Citibank would take XXXX days to send any funds in my account. The only thing Citibank is doing throughout this time is drawing interest on the funds. The gentleman who I spoke with told " XXXX XXXX, I apologize for any inconvenience this may cause you but this is our policy. '' I immediately told him that I was going to file a complaint with the Consumer Financial Protection Bureau.
Product: Debt collection

Someone that I have no business contractual with called me asking me to verify Personal Identifiable Information : DOB/POB/SSN/NAME and was very abusive with their words. They made me feel scared and nervous to answer my phone moving forward.
Product: Credit reporting or other personal consumer reports

I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. 

I have mailed off several disputes to XXXX, Equifax and XXXX and its always the same ole thing. They want to send that same " stall tactic letter '' out but can not mail out any updates or responses from the Credit Disputes that I am sending to them. By Law they are supposed to do their jobs and as consumers, we have the right to dispute erroneous information/accounts on our credit report. 

Disputes are attached since I can not get them to even review my disputes. Never Ever
Product: Debt collection

ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.
Product: Payday loan, title loan, personal loan, or advance loan

My Husband XXXX XXXX got a call from Check and Go in XXXX XXXX Wisconsin XXXX XXXX XXXX  from XXXX about a loan we took out in XXXX. We never took out a loan for a cash advance loan. My husband filed bankruptcy in XXXX on Check in Go in XXXX, Wi with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX. We have sent several letters to Check and Go about this debt being closed out in a bankruptcy. We have requested paperwork from the XXXX so called loan debt we may owe, of which we do not owe. I'm requesting a investigation into Check and Go XXXX XXXX XXXX XXXX, WI XXXX XXXX. We need all data from from Check in Go attorney Telephone number XXXX XXXX. We believe this is a scam.
Product: Credit card or prepaid card

Capital one pre paid credit card XXXX XXXX XXXX XXXX XXXX Open the account XXXX Closed the account XXXX Pre paid {$200.00}. I paid that amount.I spent {$150.00} Balance owe {$370.00} My Question is How and why Capital One pre paid credit card think that I owe them a balance when I put money on the pre paid card to help out my credit.Capital one all they did is destroy my credit.I have close the account. Capital One is still on my credit report XXXX Capital One made my credit XXXX worst.I know I'm not the only XXXX they have done this too.