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

MicroBilt Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Money transfer, virtual currency, or money service

CrossCheck XXXX XXXX XXXX XXXX Ca XXXX would not process a check thru their system when my elderly mother wrote one due to drivers license valid state. Well my elderly mother does not drive and has a Texas Valid ID card with no expiration date.
Why is their system not set up to process these types of transactions. That is age descrimination.
We were at an eye doctor when this transaction took place. I had the bank on the other line clearing the transaction and Cross check customer service called by the merchant and cross check could not comment on the transaction until it was submitted in writing. Well I did just that and got a response that it was due to no Drivers license.
This is wrong incorrect fair Credit reporting against the elderly. I hope you all contact them and have them correct this type of behavior.
Product: Checking or savings account

XXXX XXXX  XX/XX/2021 was told that I did not give permission to my boyfriend to close account and they noted that they did not talk to him after he had in fact talked to a lady for over 30 mins. The man was very rude and would not hear me out to validate and transferred me to XXXX and she said there was three card numbers and I do not have one card. I told them to close account numerous times and they refuse. They said they mailed a new card and I never received it! Then she said a letter was mailed XX/XX/XXXX explaining why charges were on the card for XXXX to XXXX. The letter will have more info than she could give me, she stated! Also was the first to tell me there was a credit on another card for XXXX and could not tell me how I would get the credit back and said another card had a balance of XXXX to XXXX XXXX and I disputed that did not do. Then she told me she would have to transfer me back to customer service where they were rude. I told her again I wanted account closed. Then she said the customer service would have to do it, but they had already had told me that they could not do it and that is why they transferred me. She then put me on hold to await for transfer. I have been trying to close this account since the fraud activity happened early XXXX. They were supposed to get back to me from 30-60 days from that and that time has come and gone. I do not understand why this is taking so long. I feel like they are a fraud company, and was suggested by them from XXXX  to build my credit after identity theft is the only reason I did it and had to pay XXXX for a XXXX credit line which is ridiculous! I want my money back from that as well. Plus, you have to pay online and there is two fees just to pay them money one is XXXX and the other is XXXX. I would advise people to clearly stay away from this company. I want this solved ASAP! I am tired of being put on hold, and transferred for over an hour now. I can not do anything else but this and my day is already full and I am very sick with XXXX and I do not need any stress according to my doctor, but it seems there is no getting away from it! I am sending this forward without talking to customer service again. I will update if and when I actually get to talk to someone. I have been on the phone since XXXX XXXX this XXXX  with all kind of phone calls and problems from health to trying to work of which I can not do effectively. I keep getting interrupted from collection agencies. Finally, someone else to talk to! XXXX answered and she said she was sorry and she said will process closure of account! I would not get money back for 10 weeks! I would have to fax to expedited and would not give me the card number of card but I could use SSN. I requested validation of closure id number. XXXX. She hung up on me before the conversation ended and I was requesting documentation of all this via email. Not sure she heard me! I still want it in writing.
Product: Debt collection

I am filing this complaint do to the fact that AMR is double reporting an alleged debt by falsely changing account numbers to where it appears to be XXXX different debts. These tactics are not allowed in the fair debt collection for alleged debt. Falsification to inflict harm to a consumer will be met with legal action against AMR.
Product: Mortgage

Mr. Cooper Loan Service. My current mortgage was sold to this servicer. They have recently charged thousands of people this past week thousands and thousands of dollars by accident they are claiming. This is incredibly scary for people who live paycheck to paycheck having huge sums of money being deducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Inaccurate reporting with all three credit bureaus XXXX, XXXX and Experian. Each time it comes back as verified but the information is still incorrect. I have contacted the XXXX XXXX XXXX XXXX Bank as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XXXX Payment History show as XXXX day late for XXXX. 
Date of First Delinquency show as XXXX Credit Report show XXXX day for XXXX
Product: Student loan

On various occasion as I entered my XXXX program training in XXXX XXXX in XX/XX/XXXX, XXXX accredited program, I tried to place my loans of deferment knowing that I qualified I was denied and was told that I did not qualify. Every year I maid the attempt to place my loans on deferment and was not allowed. on XX/XX/XXXX I made a call to Navient and was told that I did qualify at required me to sent a letter. Letter was sent and never was processed. Just recently XXXX XXXX placed a remark on my credit score even though my loan had not gone into repayment affecting my credit score ; following month it went in repayment and payment was made. My sent documents or not in their web page they have eliminated everything before XX/XX/XXXX from messaging sent and received by me and them. I was miss guided along the process and was placed on forbearance knowing that I did qualify for student loan deferment on the subsidized part of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that Vero Credit had violated the law by illegally repossessing my car. 

In addition to the illegal repo, Vero has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that Vero has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to Vero Credit requiring the company to pay {$1.00} million in consumer redress and to make changes to its business practices. The order found that Vero Credit had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against Vero Credit alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that Vero Credit made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands.
Product: Debt collection

Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number.
Product: Credit card or prepaid card

Declined to waive first late fee wich was only late by a couple of hours. No courtesies for long time clients and first late fee ever
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I am writing to formally dispute an inaccurate charge-off entry on my credit report. This error violates both federal regulations under 12 CFR 1026.11 and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. I request that Equifax take immediate action to delete this inaccurate charge-off entry from my credit report.

Consumer Laws Violated : 1. 12 CFR 1026.11 ( Credit Reporting Accuracy and Integrity ) : According to this regulation, consumer reporting agencies must ensure that all information furnished is accurate, complete, and up to date. The continued presence of this incorrect charge-off, which does not reflect my true credit status, demonstrates a lack of accuracy and integrity in reporting. 
2. Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) : This section entitles me to have accurate and complete information on my credit report. The presence of a charge-off that is inaccurate is a violation of this right, as it misrepresents my creditworthiness to lenders.

3. FCRA Section 611 ( a ) ( 1 ) ( A ) : Under this section, Equifax is obligated to investigate and correct or delete any information that is found to be inaccurate or unverifiable. Failure to delete this charge-off is a breach of this duty.

4. Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 10 ) : Any representation of incorrect information, including an inaccurate charge-off, misleads and can deceive potential creditors regarding my true financial position. 

Equifax also does not have an account number listed this is a violation of FCRA. How are you able to validate or verify account information when you dont have an account # to match to me.
Product: Credit card

On XX/XX/year> a certified notice with Tender of payment of statement coupon was accepted for deposit, endorsed and sent to XXXX XXXX XXXX XXXX requesting him to perform his duties and credit the account. The notice included terms that if XXXX XXXX XXXX XXXX found any issues to respond in writing within 5 days of receiving the negotiable instrument/ tender of payment and if no response was aforesaid performance would be deemed completed. There was no response sent via mail by XXXX XXXX XXXX XXXX so the duties requested should be completed. On XX/XX/year> I received an alert that my credit one account has been closed which is a violation of my rights.
Product: Checking or savings account

I am a direct deposit elderly XXXX single female customer of bank of America for many years. My Social Security income is all I have. If I don't get the over draft of {$35.00} resolved in 5 days they will charge another fee.. I will not have direct deposit for another month XXXX XXXX. I have no one to help me, I live alone. I have no money to pay for doctors visits or my medication for this month and now next month because of the fees. I am XXXX and unable to work. {$70.00} is a lot out of my income. They will get the money automatically before I can use my Social Security check direct deposit XX/XX/2019 to cover the overdraft. I have no income until then. 
The over draft was created by my life insurance which I can not afford and intended to cancel after only having it for less than 2years. I don't have family to help me. I will have to cancel so this does not happen next month. I don't know what to do I am helpless. 
As of this date XX/XX/2019 I am over drawn by {$48.00} which includes the {$35.00} fee already posited by the XXXX it will be another {$35.00} fee
Product: Vehicle loan or lease

Towards what I thought was the end of the loan, I was told I still had about 8-9 months until it would be paid off. I requested the payment history but did not receive the full history. It documented payments from XXXXXXXX  and I got the car in XXXX. There were almost two years of payments missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have and old XXXX XXXX vehicle loan on my credit report. The account is showing status as XXXX-XXXX days late. Its completely inaccurate because account is paid and closed since 2011. I contacted XXXX XXXX  about account. They agreed to clear it up but Equifax refuses to fix account status even though account is closed and paid. The account status is obviously inaccurate because I contacted XXXX XXXX and they said that the did n't even report the payment history for that account so that should have fix.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

I have contacted this creditor multiple times I have filed numerous disputes against this bill the company gave me an unclear explanation. That is not a verifiable reason to keep this collection on my account I am a consumer I have not been instructed by the DOE anything and I have asked for proof of this information being reported to my credit report I have the right to request original contract and documentation from this company and they must produce it I shouldnt have to be penalized or put on hold because the department of education isnt giving them any documentation they have to produce original agreement and verify this debt no matter what if I request that is my right as a consumer in other words they are basically saying we dont have any information on this bill therefore should not be verifying this debt at all. Not only that but they have multiple accounts showing on my credit for the same bill the law is they cant have multiple accounts for the same bill reporting to my credit so I am getting twice the negative remarks that I dont even deserve in the first place this is not right or constitutional. How can u respond we arent allowed to release information about a collection and then still verify the bill. Thats a due process concern and its total violation of my right I have the right to request any documentation needed to verify this collection thats reporting in my name if you arent allowed to release information then its not verifiable. You cant strip me of my rights to dispute this bill just because some other agency told you not to release information my rights as a consumer dont stop because you cant present the necessary documentation to validate this bill I am going to seek legal action and compensation for this unconditional act from the osla XXXX and the credit bureaus who are lying about this bill being verified how can you possibly verify information that your saying you cant release and how do I even owe some company In Oklahoma and I never been to Oklahoma a day in my life it makes no sense what so ever this is wrong and shady practices to con people and you stripping me of my right to have 100 % verified information reporting to my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXE on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX & XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I got a wells fargo credit card and the contract has a false advertisement or confuse about a insurance cellphone
Product: Credit reporting or other personal consumer reports

This is one of several attempts to inform the 3 credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX  XXXX Balance : {$110.00}
Product: Debt collection

{$860.00} as of XXXX XXXX I never opened this account nor did I open this account with spring oaks capital they stole my information and are reporting to the credit bureau false information which is messing with my credit at this point I will sue spring oaks capital if this is not taken care of