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

Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Checksystem has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Checksystem that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide XXXX nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Checksystem through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX or Checksystem. Legally I must send in a legal document stating that I am allowing permission but I never did and Checksystem does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report Checksystem & XXXX XXXX which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Apt XXXX, XXXX, GA XXXX ; I've never been to XXXX, GA ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a credit card ( XXXX ) with Chase bank. For more than 7 years I have been charged a " overdraft fee '' of almost {$200.00} a month. I have asked Chase on several occasions to provide the date, the amount, and origination of the overdraft without success ( most recently via telephone week of XX/XX/XXXX & via email XX/XX/XXXX ). I have been told the entire monthly payment has been to service the fee. I rarely use the credit card, until recently and want to take advantage of its offering. I AS of XXXX I am now being told that I must fax or write the request ... I am getting the run around so they can continue to charge me this fee. I have several issues with the situation : 1. The inability and unwillingness to provide what I have requested ; 2. The amount over the years is significant ; 3. The overdraft % rate is something like 23 %, paid greater than 7 years is predatory. I am desperate to have some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to Experian and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.
Product: Credit reporting or other personal consumer reports

I reviewed the closed accounts on my Credit Report and noticed XXXX XXXX XXXX accounts that does not belong to me. I have included those accounts in my Identity Theft Report, along with the dates they were opened and that account balances. These accounts are fraudulent.
Product: Credit card

I have the power of attorney for my dad and I am on his banking accounts and pay his bills. He received a bill for his property taxes, which I paid on XX/XX/year> thinking I was using his credit card. I received a charge on my XXXX XXXX XXXX XXXX for {$3800.00}. ( credit card ending in XXXX ) When I called the card company to ask what this charge was for, they said it was for utilities to XXXX XXXX. When I told them I do not pay my utilities to XXXX XXXX they created a dispute and provided me with a credit, closed the account and issued me a new card. On XX/XX/XXXX my Dad received a noticed from the XXXX XXXX XXXX 's office stating his payment was denied because of a credit card dispute. When we saw the amount we realized this was the amount on my credit card. It wasn't for utilities like the credit card company told me, but it was for property taxes. I called XXXX XXXX and told them what had happened and they said they were going to charge my new card for this amount. I told them we had already paid the treasurer 's office with my dad 's card and they said they had to charge my new card ( ending in XXXX ) anyway and I would have to take it up with the company who receives double payment. I told them to cancel my new card then because they do not have my permission to send this payment. In XXXX I got my statement and they charged me anyway. I have contacted the XXXX XXXX XXXX 's department and they never received this second payment. They checked with their billing company " XXXX '' and they said they returned the payment to the credit card company. I contacted the credit card company and they said they never received it. Not only I have I incurred a substantial amount in fees, but now XXXX XXXX is trying to collect {$3800.00} from me when there is no agency that has this money. This is the timeline received from the Treasurer 's Office : We have of the payments and the debit to the parcel : The original payment was made : XX/XX/year> {$3800.00} ( includes {$91.00} fee ) XX/XX/year> -Dispute received by XXXX XX/XX/year> or XX/XX/year> funds returned to issuing bank The second payment was made : XX/XX/year> {$4000.00} ( includes {$94.00} fee ) This is XXXX 's response : The customer 's bank has the funds so the customer will need to make arrangements with their bank to get their funds returned to them.
Product: Mortgage

On my XX/XX/2021 statement my bank charged me {$30.00} for a payoff statement that they claim was ordered by a loan processor for a refinance I was applying for. Instead of charging the refinance company, they surprised me by tacking the {$30.00} onto my next mortgage payment. I wasn't aware that the refinance company had ordered anything. 

I called my mortgage bank in XXXX and in XXXX and asked them about it, and they said I was to call the refinance company for a refund. When I advised them that this is a HOEPA violation, wherein HOEPA part of RESPA banns charging for payoff statements, they arrogantly stated that they charged this amount because the refinance company requested a fax or email and they are merely charging a servicing fee. Whether or not the payoff was sent via fax or email, I have no idea because I wasn't party to the transaction between my mortgage bank and the refinance company. 

I don't believe they can charge me for a payoff even if it is faxed or emailed, and if this ridiculous reason for charging was allowed, I don't think they can charge me for a transaction with another party, when I wasn't involved in the decision of how the information was sent. I feel that they are trying to get around the RESPA/HOEPA law that banns charging for a payoff statement and taking advantage of their customers.
Product: Mortgage

I have applied for a mortgage loan and was denied. My signature credits the credit for the loan. They said they can not give me the loan, although I can price financially to afford it, based off of my low credit score. This is unlawful. I should be able to obtain the financing I am requesting.
Product: Credit reporting or other personal consumer reports

Dear XXXXXXXX XXXX XXXX  : 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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. 

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

Hello. On XX/XX/2023, I made a request for Equifax to fix an incorrect credit report on my XXXX XXXX account. ( I am attaching the statement from XXXX XXXX that I sent to Equifax along with my request ). 
Instead of fixing the incorrect credit report, they completely removed my XXXX XXXX account from my credit. And on top of that, my credit score went down by XXXX points. 
Now, this XXXX XXXX account shows up on XXXX XXXX and on XXXX, but Equifax just removed it from my list of accounts and it does not show up there. 
I ask that you fix my credit report and add my XXXX XXXX account back to my credit report. 
I am sorry that I need to contact your company to complain against credit companies, but especially Equifax because they are a complete mess. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got an estimate on brakes for my XXXX  sts at XXXX in XXXX. The salesman predatorily convinced me I could get a loan on the repairs and I was not informed of all the terms. I ended up with a 187 % interest rate and no proper repairs ro my car. A XXXX $ a month payment on an inflated repair in which I now owe XXXX $ for. I want this company held responsible. My car is in not much better shape and now I have a XXXX $ loan on my credit. I feel like I have been taken.
Product: Mortgage

We initiated a short sale file with OCWEN on XXXX/XXXX/15. We submitted a contract to them on XXXX/XXXX/15 requesting the file be reviewed for HAFA, the lender has been reviewing for HAFA since XXXX. We received a counter from them last week stating the value is {$180000.00}, which our offer was at and they said the closing costs needed to be lowered to {$5000.00}. We made this change and submitted the HUD in with the changes. Then today we get a call stating the investor is not approving the offer, even though we are at full appraised value, because we are netting $ XXXX and he wants to net $ XXXX. I responded and stated we would net over that if it was n't for the XXXX lien payout of $ XXXX and the $ XXXX relocation incentive to the seller. Ocwen told us our only option then is to do a traditional short sale. This just seem right if the file qualifies for HAFA and is giving a full appraised value offer but is not meeting a certain net number the bank can make the seller do a non HAFA short sale and receive no relocation incentive. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit history data was obtained illegally from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against EQUIFAX, XXXX AND XXXX. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. 1. XXXX  ACCOUNT XXXX XXXX, XXXX. XXXX ACCOUNT XXXX XXXX, XXXX. XXXX ACCOUNT XXXX XXXX, XXXX. XXXX XXXX ACCOUNT XXXX XXXX, XXXX. XXXXXXXX XXXX ACCOUNT XXXX XXXX, XXXX. XXXX ACCOUNT XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX  ACCOUNT XXXX OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 confidentialities under 15 USC 1681. 

Accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX in the amount of {$1100.00} for XXXX XXXX. XXXX. XXXX. 
AND # XXXX, XXXX XXXX XXXX in the amount of {$1000.00} for XXXX XXXX XXXX. Co. 
has violated my rights. 

15 USC 1681 section 602A. States I have the right to privacy.

It also states, in section 2 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604, A. Section 5 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681 S 2 ( A ) ( 1 ) states 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 in accurate.
Product: Debt collection

XXXX, XXXX, Transunion XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA XXXX has violated my rights as Consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is " XXXX XXXX XXXX XXXX ". I have been trying to report about inaccurate items in my credit account but none of my afford has worked. I request investigations on these derogatory account that I list below : **Auto loans** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
*Credit card* _ XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX how can there be {$6800.00} in a closed and charged off account. DELETE IMMEDIATELY!! 
XXXX XXXX  XXXX : XXXX. XXXX, XXXX HOW CAN THERE BE XXXX $ IN A CLOSED AND CHARGED OFF ACCOUNT. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$5800.00} in a closed and charged off account. Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$230.00} payment in a charge off account. Delete it please. 
_CHILD SUPPORT XXXX VA Reported : XX/XX/XXXX This account is not mine. I never receipt any credit or loans from this company. In addition, this account is derogatory and obviously demand to be removed as they have {$73000.00} payment in a closed and charge off account. Delete it!!! 
XXXX XXXX XXXX XXXX - XXXX XXXX  Reported : XX/XX/XXXX Again, all these account are inaccurate, they all try to take my money for something I don't own. {$27.00} in a closed and charged off account. Delete it immediately _XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX I do not have a financial obligation with THEM. Please delete this reference on my credit report. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never own any loans or credit from this company. Provide me full documents or delete it immediately. 
*Collection** _XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me full information about this collection prove that you has follow all F.C.R.A requirements, including proofs of any writing mail or disclosure as I never receipted any about this collection. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any credit or loans from this company _XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!!! 
XXXX Public records** _Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX This account is not mine. Please delete it as they has a big negative effect to my credit report.!!
Product: Checking or savings account

I traveled to XXXX on XX/XX/30 and came back to the states on XXXX. On XXXX my account had fraudulent activity that was resolved and refunds were made back to my account. After I received my new debit card I activated it on Friday and had fraudulent activity on my account the next day. The fraudulent activity was charges made to the same company that made fraudulent activity on my first account. I contacted my bank to submit a fraudulent claims on my debit card and let them know I did not approve of these two transactions ( XXXX and XXXX ). They said that I was sent push notifications to my phone and that I verified the purchase by giving them a confirmation code to continue the purchase. The entire communication that I had with them over the phone indicated that I did not make this purchase or approve of it. I've tried to appeal and they said I can't because the purchase was verified with this code. I tried to ask what evidence they would need in order for me to not verify this was a fraudulent transaction and they still denied me the opportunity to appeal these charges. I'm worried someone has stolen my identity and will negatively affect other financial accounts I have. I'm doing what I can to protect myself but their investigation of my complaint was not completely investigated.
Product: Student loan

I have called or chatted ( on the Mohela website chat feature ) with Mohela on numerous occasions regarding my payment tracker. There have been various issues but currently, and for the past few months, the issue is that my payment count is missing almost three years of payments. I keep asking them about these missing years and they keep telling me they can not check the status and that I need to wait 90 business days. Every time I speak or chat online they say wait 90 business days. It's well past 90 business days and almost three years are still missing from my payment trackers. The time that is missing is XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting

( XXXX and XXXX ) repeatedly and persistently failure to curb abuses in reporting erroneous information to the credit bureaus and by the credit bureaus.in violation of The Fair Credit Reporting Act ( FCRA ). 
These deliberate and intentional acts of unfair business practices are pattern or practice, habitual and habit forming by ( XXXX and XXXX ) to date. I have notified Equifax , XXXX of these invidious discrimination, invidiously discriminatory behavior. 
Equifax , XXXX and XXXX XXXX knew or reasonably known there acts in violation of The Fair Credit Reporting Act ( FCRA ). and deliberately encroach upon my protected rights secured by XXXX XXXX, States of XXXX, and XXXX. 

All knew or reasonably known there reckless disregard for my rights to dispute negative information in my credit report that is gross fabrication, adversely impacting my credit scores, defame my good name reputation to date. 
The credit bureaus having 30 days to verify the disputed information with the XXXX and proven with affirmative evidence did verify the disputed information within 30 days, my accounts of events are true and therefore any erroneous information must be deleted from credit report. Equifax , XXXX and XXXX XXXX failure to correct blatant errors and mistakes in my credit report warrants civil action.