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

XXXX XXXX has placed a Charge off on my account with proof of validation or consent to place such item on my credit report. I also sent them the Letter of the law. I have attempted several times to have them remove these items from their company off of my credit report. Through response they have refused to remove these items. They are not in compliance with the law and I'm asking for help to Kindly get these items removed from my credit report. This negative item has devastated my livelihood and my chances of being approved for a new home. 

Regards, XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me XXXX disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Regards, XXXX XXXX
Product: Debt collection

Filed a claim XX/XX/2022. Requested creditor to be removed off of rental history and all 3 credit reports. Still fraudingly reporting to all 3 credit reports. Remove ASAP off of my credit report. 

See case XXXX stated they illegally tried to collect $ XXXX in debt for rental lease that was not broken and verified
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTION OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSET IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Product: Checking or savings account

I called on XX/XX/2018 to dispute a {$3.00} transaction I have with Chase. I had tried to purchase a XXXX train ticket but the machine had told me that the transaction has failed. I received no ticket from the card and thus I assumed the pending transaction of {$3.00} would be dropped from my account. It was not so I called Chase to dispute the transaction and the representative refused to help me investigate the transaction unless I had my receipt for the XXXX train ticket that I was not able to purchase. I do not understand how such a large company would be unable to contact XXXX to dispute the transaction for me but would require a loyal customer to have proof, insinuating that I was lying about a {$3.00} charge. I would understand if the charge was an insane amount but {$3.00}? Come on Chase. Do better.
Product: Money transfer, virtual currency, or money service

I fell for a toll booth scam. I owe the state of Kansas toll booth fees. So naturally I wanted to pay them. Received a text message clicked the link and tried to pay it ( I still have the details for this in my text thread ). It said unable to complete purchase. Well last night USAA called me claiming fraud on my account and how someone took a loan out under my name and I had to pay it back. Since it was a call from USAA ( which I have the number saved ) I trusted them. I logged onto my app and could not see any of my accounts. Just a newly created banking account in my profile. I was asked to send the loan money back via XXXX. Which I did willingly thinking it was USAA walking me through what I thought was identity theft. I did this through my XXXX XXXX. XXXX needs to correct stuff like this. Only to find out that they walked me through cleaning out my savings account of {$10000.00}. Reported it to USAA fraud department. And XXXX. But Im reporting this to every single agency possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX *Please See Attached Letter From Bankruptcy Court*
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 U.S.C 1609. 
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 15 U.S.C 1681 section 602 A steaks 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.

15 U.S.C. 16 81 c ( 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 mandates the report by more than 7 years.

15 U.S.C. 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was not able to dispute unknown charges and forced to change account types.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I sent my 3 verification letters on XXXX 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. The following accounts and Numbers are as follows : 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  According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, I also spoken with XXXX at XXXX on XX/XX/XXXX, I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Equifax credit report : ( US DEPT OF ED/XXXX Account # XXXX, Balance {$5200.00}, Open date XX/XX/XXXX ), ( US DEPT OF ED/XXXX Account # XXXX, Balance {$6900.00} Open date XX/XX/XXXX ), ( US DEPT OF EDXXXX Account # XXXX, Balance {$3400.00} Open date XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX, Balance {$5100.00}, Open date XX/XX/XXXX .I did not authorize any of these accounts.
Product: Checking or savings account

XXXX : lost/reported stolen debit card and transactions occurring while I was working. I informed to USAA AND did an online police report. 
XXXX : Debit card was supposedly delivered and I didnt receive but it was being used and not by myself. Filed a claim XXXX : received deposits including from employment only to be told XX/XX/23 that my account is being closed and theyre terminating our almost 18 year relationship. Froze my money and left my children and I stranded in another state with no money or means of paying for ANYTHING. I was told by two different representatives my only options is to ask family/friends to western union funds for me to use. Also it will take up to 60 days before I MIGHT receive a paper check with my funds that were in there as of XX/XX/23. My bills didnt get paid and Im in another state with no gas food or money with one child that is handicapped. Cant believe after being a client for so long they can just treat me like Im nobody and terminate and take my money without any reason and leave me in this situation and not care.

I informed id show proof I was working during the time of use ( s ) and I even had MORE money in my account than what was taken and still they took every XXXX.
Product: Checking or savings account

i have been using paypal for over 10 years with no issues, recently they came up with a new product called Paypal balance which is attached to a debit card and can transfer payments from checking or bank debit card. 
i also, noticed you can set it as a preferred method of payment which i did not as i have my credit card on my paypal account as my preferred method of payment and use the PP balance account and its attached debit card for ATM cash transactions only. 
on XX/XX/23 made a purchase transactions using paypal and based on my choice i expected the charge to hit my set preferred method of payment which is a credit card on my paypal account, instead and to my surprise i found out the hard way that money was deducted directly from PP balance account which has my cash set aside for emergencies and groceries when i tried to call paypal and told them that this is not right and they did not have my consent to withdraw from my cash account as i have not selected it for purchase transactions i was fed some mumbo jumbo jebrish talk that did not make any sense! it is the financial entity duty to be honest and candid with their customers and explain how products work in a simple way that the normal person can understand but still i think even with that and from a person who holds a grad degree i thought when i set my preferred payment to a XXXX then my cash account won't be touched
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

I initially spoke with my mortgage company ( XXXX XXXX ) on XX/XX/2022 to discuss options because I missed my XXXX mortgage payment where they advised me to seek help from multiple resources. I took that advice and consulted with a HUD housing counselor to discuss options and to receive guidance. On XX/XX/2022 I spoke with the counselor and gave detailed review of my situation, and he noted that I would qualify for CARES Act XXXX forbearance since I have a pandemic related financial hardship. We reviewed all of the guidelines and requirements and said that all I would need to do is contact my mortgage company and request the XXXX forbearance without having to fill out an application or submit any paperwork. I called them on XX/XX/2022 and requested the XXXX forbearance, and they told me that I needed to go to a website and apply for forbearance and that it would take up to 30 days after they receive everything to review and decide whether to approve the forbearance. I tried to explain that the pandemic has not ended so I shouldn't have to apply like in a general forbearance and gave me a website to register and apply/upload documents. I called the HUD counselor to verify if this is true and he encouraged me to make a complaint based on the fact that the mortgage company is not complying with the rules stated in the CARES act. 
I am currently behind on my mortgage payments for XXXX ( {$2300.00} ) and will be behind on XXXX 's payment on the XXXX ( {$2300.00} ). 

**From the VA website- Through the end of the nationally declared emergency, you can make an initial request for XXXX forbearance. VA expects your mortgage company to approve your request, for up to six months. VA also expects that, if you need additional forbearance after that, your mortgage company will approve, at your request, an additional XXXX forbearance for up to XXXX months.
Product: Debt collection

Fake US DEPARTMENT OF EDUCATION REPORTING ON EQUIFAX ACCOUNT - I believe equifax is in on it. 
Ive called the US DEPARTMENT OF EDUCATION AND PROVIDED MY NAME, DOB, and social security number and I dont have an account with them nor have I ever applied with them they cant send me a letter nor a fax stating that because I dont exist to the us department of education
Product: Debt collection

I was involved in a XXXX XXXX XXXX case, which is where the debt came from. Although verified and the agency has not contacted me since, this debt remains on my credit reports. And this has been reported as XXXX XXXX XXXX, but on my personal credit.
Product: Consumer Loan

I was paying on a collections that was on my credit report from an old bill from XXXX. ENHANCRCVRCO had took over the debt once it went into collections. Well I had set up a payment plan with them and I was to make my final payment on XXXX XXXX, 2015 which I was told that by rep XXXX when I had first called into set up a payment schedule. Well before that day came I had called again because I had checked my credit report again and seen it said I owed the company XXXX dollars instead of the XXXX I was suppose to make as my last payment. So, I went ahead and called them to see why it said I owed XXXX dollars as my last payment instead of the XXXX that was originally stated. I was told by a rep who refused to repeat his name or give me his rep number that I owed it and I had to pay it and that was that. I went ahead and paid it because I 'm working on building my credit back up and did n't wan na it ruined by the XXXX dollars he claimed I owed due to bad payment history. My point of this is I was ripped off by this company I know for fact that I only owed XXXX and they jacked the payment up to get extra money out of me.
Product: Student loan

Since XXXX XXXX a third party company open an account for {$1000.00}. I wasnt notified by the party I was dealing with, and I also didnt feel comfortable with unknown numbers to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I was contacted by a company that said that there was a government program that helped with debt consolidation and I would make one payment for 2years I did not make payments to my credit cards for 4 months until XXXX told me that they would not negotiate with them, so I stopped paying the company and started paying my bills. XXXX XXXX had called me and offered me a payment plan and they would not report it to the credit bureau. I made 3 monthly payments of over {$300.00} and they did report it to the credit bureau, as late. I tried disputing with Experian, it hasnt been easy they always agree with me but its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

was out of work do to the stay at hm order do to cov19 contacted XXXX XXXX  told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020
Product: Debt collection

Great Lakes has evaded to responding with lawful definition of " payment '' and liability to alleged obligation via fraud, concealment, failure to disclose or intentional misrepresentation under penalty and perjury to foregoing pursuant to 28 U.S.C. 1915e ( 2 ) B ( i ) ( ii ) ( iii ) and Per 15 USC 78m ( q ) ( 1 ) ( C )
Product: Credit reporting or other personal consumer reports

i have been trying to get Chex Systems to unfreeze my account for over 4 months. I initially had a freeze placed on my account but that was over a year ago and I don't remember the pin I used. I've explained this to Chex Systems however each time I call, I get told that I would have a letter mailed out to my address which has yet to happen. I recently moved and the letter isn't arriving there either! I have taken it upon myself to email documents to Chex Systems however I have not received a reply from them via email. A few weeks ago I called and asked to speak to a supervisor and got transferred to someone who said that they would unfreeze my account. That has not happened. I was shopping for a car recently and was denied credit with several hits to my credit inquiry profile and nothing to show for it, specifically because of Chex Systems ' unwillingness to unfreeze my account.
Product: Checking or savings account

I contacted USAA bank on XX/XX/XXXX after realizing my XXXX account was hacked. Someone purchased a {$1200.00} tablet with overnight shipping using my account information. I made USAA aware of this transaction after I had already changed my XXXX credentials. I provided USAA with the tracking number for the delivery, and they subsequently issued me a provisional credit for the amount lost. I explained to them that XXXX had no public-facing contact information. The customer service number refers you to the website, which doesnt allow you to speak with virtual agents. On XX/XX/XXXX, USAA contacted me, saying they could not substantiate my claim and would reclaim the {$1200.00} on XX/XX/XXXX. I was provided the full address of where the tablet was delivered and subsequently provided this information to my local police department for investigation.
Product: Student loan

I want to receive in the mail, all information pertaining to my loan from its inception in 2004 through today. Fees charged, interested charged, payments made, etc in chronological order. 
Please include a legend so I can understand your abbreviations.
Product: Credit reporting

My credit report shows an unknown address that does not belong to me, see following : XXXX XXXX XXXX XXXX XXXX, MI XXXX I would like to have it removed from my credit history. See attachment for detail. 
Thank you