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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim. 

After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth. 

I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months
Product: Checking or savings account

I bank account was opened In my name and address. I never approved this opening
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and Experian is reporting adverse information on my credit report that is a result of my XXXX XXXX although theyve been informed repeatedly that these accounts are not mine. I have provided them with valid and necessary documents needed to have this information blocked and deleted from my credit report pursuant section 605c of the Fair Credit Reporting Act, as well as Fair Credit Reporting Act ( 15 U.S.C 1681c-2 ). As a result of repeated violations in accordance with the FCRA, I am requesting that Experian remove all of the information that is a result of XXXX XXXX immediately considering I provided all of the necessary documents on XX/XX/XXXX, and was reassured on XX/XX/XXXX that my case would be worked on. As of today, XX/XX/2024, the accounts are still on my credit report which is beyond the required XXXX business days as the law states.
Product: Mortgage

I kept receiving phone calls from Carrington to refinance. 
I was told it wouldnt affect my total mortgage balance, it wouldnt increase my interest rate, it would not extend my loan payment timeline, and that I would have lower monthly payments, and would not have to pay anything to refinance. I was told Carrington would cover all of my refinance costs. 
However, I was never informed about the effect it would have on my PMI. 
I was close to the end of having PMI payments but because I refinanced I now have been paying PMI for twice the amount of years. 
Carrington never informed me of this change that had just gone into effect the same year I was offered to refinance. They never told me about the PMI impact this change would have on me. 
I received refinancing documents of about XXXX pages, small print, legal jargon, with duplicates. It was very overwhelming and misleading.
Product: Credit card or prepaid card

I'm getting public assistance and no other income coming in and also I'm a identity theft victim my purse got stolen with my identification and it was used
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE LOAN ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX 2XXXX XXXX  3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit card

I purchased a XXXX ( not diesel ) in XXXX. It was considered a demo, driven by the XXXX dealer manager for a year. On XXXX, I brought the car in because the engine light was on and I was due for an emission test. ( I regularly had all service done on the car..but not necessarily with XXXX, had issues with them ) I had had an issue with the engine light being on sporadically for as long as I owned the car, it was repaired but then would come back on.The day I brought the car in the XXXX service center said there were 4 issues with it. I picked two to be repaired which would include the engine light issue and the other one XXXX thought was more important, with the other 2 to be repaired at a later date. I had just spent over {$2200.00} in repairs 2-3 months previously. Five minutes after I pulled out of the dealership the engine light went back on. I was on my way out of town so I could not return. I am disputing the XXXX charge. I have reached out to the State of CT Attorney General 's office, obviously I am not important enough ... they only do " mediation '' ... I have spent hours putting together all my paperwork..and ST of Ct only sends me XXXX copy of their reply ..twice. I did dispute the charge with my credit card company ( CitiCard ), which they originally credited me..but the charge was put back on my card. I am willing to sacrifice my credit on principal. The employees at the XXXX CT XXXX dealership lied. I am attaching backup for your review. Your help is very much appreciate.
Product: Debt collection

I have told them numerous times that I am not the female they keep asking for. I have explained to them I will be reporting them. I have told them to record all my conversations with them and to put my complaint in their computer. I just received another phone call today.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

I have disputed this fraudulent account opened for so many times. I am a victim of identity fraud.
Product: Mortgage

Mortgage loan servicer did not properly credit the payment that I made on XX/XX/2022 in the amount of {$1300.00}. This payment should have been credited to : XX/XX/2022 at {$670.00} & XX/XX/2022 at {$670.00} XX/XX/2022 I made a payment via XXXX XXXX for : XX/XX/2022 at XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my credit file. So does my wife. Whenever we try to lift our freeze temporarily we ALWAYS get the same warning " Were sorry there is a technical problem with our system ... .... '' We try to phone in and the automated telephone system doesn't work either. It only allows you to place a freeze on your credit, but you cant go through the automated system to lift it. You can't even talk to someone, you go through all the menus and you just go round and round hearing the same recordings over and over, and can never talk to someone in person. We need access to our credit and Experian is holding it hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.
Product: Credit reporting or other personal consumer reports

There was a complaint submitted to the CFPB on XX/XX/2024 for account XXXX XXXX XXXX XXXX. The complaint id is XXXX. You were informed to remove the account and remit payment to the address on the invoice due to your incorrect reporting, but you updated the account balance to XXXX instead of removing this account, and you failed to remit payment. You were already sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within XXXX business days. If this account is not deleted and payment is not received, I will have no choice but continue with my intent to sue Equifax being that you were already notified numerous times, and this is now negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX  and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX  has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX acc # XXXX, ( XXXXXXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 record of conviction 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: Checking or savings account

Never received my check from my boss from XXXX to my hunnington bank account. No updates been provided bank keeps saying they don't see it
Product: Debt collection

Fist hearing about this XX/XX/22. Called my sons phone left message. My name is XXXX XXXX with XXXX. We do have legal documents that require signature. If they are not available to sign or have questions regarding pending lien contact issuing firm handling your case immediately they can be reached at XXXX. Also reference case number XXXX. This company also called my place of employment and told them if I didnt contact them they would garnish my wages. I called them. The guy who answered was rude and nasty to me. Then told me this was an old debt of over 9yrs ago. An visa credit card that was over {$5000.00} was owed and if I didnt pay it he would see me in court. I told them I never had a Visa card with BOA. And he would not listen to me. I told him to be quiet so I could explain. He yelled at me told me we would see them in court and take all my money. And hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, EXPERIAN, & XXXX. Proper identification is provided. I DEMAND A RESPONSE WITHIN THE NEXT 15 DAYS UPON RECEIPT OF THIS COMPLAINT.
Product: Student loan

For years I have been trying to get NELNET to apply additional payments. Recently I resorted to sending the additional payment in seperately and denoting on the check that the payment is to go towards the principal. They continue to refuse to post the payment towards the principal.
Product: Credit card or prepaid card

Was charged $ XXXXfor hotel stay on XX/XX/2019 for XXXX XXXX by XXXX . I never stayed at this hotel and never gave priceline my credit card information. I did try and book hotel through XXXX. but when I called to confirm hotel they told me I had no reservation. They than booked me another hotel which I stayed at and paid for.
Product: Debt collection

I tried disputing with the collection company when I got the notification back months ago. the company put the account in dispute status and I told them all the info they needed, I told the company that i've never lived at that address, I told them I haven't had a apartment for a couple years as I was living with a family members, so there was no need to have a tep account active. they assured me that this would be disputed and resolved and yet, this wasn't resolved.. 
I gave them all the information that they asked for, and was told they would dispute it and this wouldn't go on my credit, this was in a dispute status for about a couple months. I called several times to the company to check on it and was told every time that this was in dispute and that there was no new information about it and if there was they would let me know. a couple weeks Ago this started reporting on my credit and I was confused as to why since this was being " disputed '' on their end. I told them several times this wasn't my account, and unfortunately this ruined my credit going down XXXX points as a collection. they are not allowed to report this to the credit bureau 's if youre stating that this isn't your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX. account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I am somewhat concerned about the escrow balance amount of {$2400.00}. You may not be aware, but three companies have served this debt, namely, XXXX XXXX, XXXX XXXX, and currently NewRez LLC. As recently as XXXX XXXX XXXX did an escrow analysis thus balancing the account. Nevertheless, XX/XX/XXXX other analysis required a payment of {$550.00} to balance the escrow account. Now you are requesting XXXX to balance the escrow account. The XXXX City taxes were down in XXXX and I do not believe my homeowners insurance increased by XXXX. Again, this mortgage debt has been discharged in bankruptcy and any cost associated with that bankruptcy can not be charged to this account now. I am contesting this escrow balance account amount and requesting an analysis be provided with payments and actual escrow expenses included within the analysis, thank you for your understanding.
Product: Debt collection

Company tries to collect claiming they are from XXXX XXXX but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I keep getting alerts saying the my credit information was being used on the Dark Web I dont know how or why, or how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I call XXXX and Equifax for and annual copy of my credit report they always ask me questions that do not pertain to me then when I answer them they tell me I didn't answer the guest ions correctly. I asking that XXXX and Equifax ask accurate questions that pertain to me and when I answer right for them to except my answer.
Product: Money transfer, virtual currency, or money service

XXXX:1 purchased an airline ticket from XXXX and used my cash app account to make the purchase. I received an email stating that there has been an technical issue and I would receive a full refund in the amount of {$64.00}. I have not received an refund and proceed to contact cash app and dispute the transaction. I submitted evidence which showed the refund has successfully processed from the merchants end and they did approve it. Cash app denied my claim stating no error has been found.
Product: Checking or savings account

My Checking and Investment account has been locked by The Banking Institution without proper cause.

I have Talked to several representatives and have not received a direct answer to any of my Question.I was told I could Use my Debit card attached to this account even if it was Under investigation by this institution .but when I used the card to pay my bills.the transaction was declined. They told the investigation takes 3-days yet it has been more than 3 days since being locked out of This account without any explanation I have Identified myself as required with the information that was asked.Yet I can not get a Straight answer regarding this matter.They have hung up the phone, They Have Promised to call and Did not .I run a Small Business and I have Clients to Serve.I can't serve my clients without the funds needed. This investigation was not imitated by me Dates XXXX, XXXX XXXX, XXXX XXXX, XXXX each day of communication my calls to this institution. 
Thanks...
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I had opened a chase account under the empreasion that if you opened an account and had direct deposit you where suppose.to.recive XXXX dollars in 10.days i have not recoeved the XXXX dollars yet and i have had 2 pay checks aleeady and i get paid through direct deposit ... i.called then on 2 occosionsand rhey said it waa pending and its been 4 days and i have not gotten it yet either please help!!! Thanks XXXX XXXX XXXX XXXX