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

I contacted Equifax on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft! 
XXXX XXXX XXXX {$710.00} *XXXX XXXX XXXX {$6600.00} To date XX/XX/XXXX, Equifax failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX ). Equifax 's response on XX/XX/XXXX was : " Please be advised that an investigation with the furnisher of information has been initiated ''. It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ). 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.
Product: Credit reporting or other personal consumer reports

I signed up for an Apple Goldman Sachs credit card in XXXX, used it, paid in full on time and decided to close the card in XX/XX/XXXX as the benefits weren't good. 

After I closed the card and paid in full I received a letter stating the card was closed and no longer could be used ( letter attached ). 

A few months later, Apple reps called me stating I had new charges that needed to be paid from XXXX XXXX XXXXXXXX. I told them the card was closed to to please reject the charges. Instead of doing that, they kept accruing charges and reported the non-payment of these to Credit Bureau 's destroying my previously great credit. 

I've spoken to dozens of Apple reps and Supervisors and they all agree this makes no sense however they are unable to help as their systems are hopelessly a mess. 

I'm loosing my mind and don't know how to get this resoled. This credit score destruction is ruining my life at the moment as it's preventing my business from taking on necessary loans to cover payroll.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts XXXX XXXX Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

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

My name is XXXX XXXX and I am a former customer of PenFed Mortgage. In XXXX, I purchased a home using PenFed as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed PenFed of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided PenFed with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at PenFed and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for PenFed. I filed a complaint with XXXX  Credit Reporting and they advised that PenFed confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I had a reverse mortgage thru XXXX. I paid it off in XX/XX/XXXX. They released the lien after I contacted them. Per my request, the sent an email to Novad Consulting ( who does bidding for HUD ) to request they release their lien on my property as well. This was on XX/XX/XXXX. They replied that the check for recording fees have been requested, the releases have prepared & will mail to the county within the next 5-7 days. On XX/XX/XXXX, I sent a 2nd email to Novad requesting them to release the lien on my property. They never replied. I will also say that I called them NUMEROUS times & waited on time for 30 mins & another for 45 mins. When I called yesterday the recording says the wait time was 170 mins!. I sent a 3rd email to Novad on XX/XX/XXXX and the sent back what appears to be a canned response. It mirrors the exact response received in XXXX. I emailed them back statin they told me that in XXXX & they again did not reply. I want my title to be free and clear with no lien from HUD. They have no right to my property at this point since I owe no one anything.
Product: Credit card

I had an XXXX credit card with Comenity Bank. They closed the account on XX/XX/XXXX because they were bought by XXXX. Ever since they closed my account, it has been accruing late fees and interest charges. Im currently unemployed but I was finally able to pay off the account on XX/XX/XXXX in the amount of {$250.00}. I checked my XXXX XXXX today XX/XX/XXXX to see if they reported that the account is paid off and I saw that there is currently a balance of {$3.00}. I logged in to my old XXXX account and there is an interest charge on purchases in the amount {$3.00} on XX/XX/XXXX. I sent Comenity bank two messages regarding this today XX/XX/XXXX. Im reporting them because they have unfair consumer practices and they have been calling me all hours of the night including weekends prior to me paying this account off. They left me threatening messages and they have been harassing me late at night and on weekends. Why is there an interest charge on a XXXX balance? They usually charge the interest charge every XXXX of the month and the late fee of {$41.00} every XXXX or XXXX of the month. If I dont pay this {$3.00} before XX/XX/XXXX then Im worried that I will again be charged the {$41.00} late fee and the account will accumulate again. Im currently unemployed and I really dont need this to ruin my credit score and my credit. Comenity Bank is horrendous and they need to stop this. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am having problems with my credit profile there has been so many hard inquiries I was miss lead by a lot of car dealers and loan XXXX can someone please resolve this issue for me please..
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # 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: Vehicle loan or lease

I sent to Toyota Motor Credit Corp a billing error notice on XX/XX/2022 evidenced by tracking number XXXX XXXX XXXX XXXX XXXX. Toyota Motor Credit Corp never responded to the billing error and 2 complete billing cycles went by and consequently Toyota Motor Credit Corp forfeited the amount indicated in the error. However, Toyota Motor Credit Corp repossessed my vehicle and ultimately violated Federal Consumer Law. Toyota Motor Credit Corp is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice. The act to repossess my vehicle is an unfair act because it causes substantial injury in the form of monetary harm to the consumer and is likely to cause substantial injury in the form of monetary harm and cause the consumer to be victim to further use of abusive, deceptive, and unfair debt collection practices by debt collectors which is not reasonably avoidable by the consumer. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Said substantial injuries are not outweighed by countervailing benefits to the consumer or to competition. The act to repossess my vehicle is an abusive act as it takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the consumer financial products and services. or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service, the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service, or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Ultimately Toyota Motor Credit Corp has violated Federal Consumer Law and pursuant to 15 U.S. Code 1666 ( e ), Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX amount {$99.00} These 2 companies have fraudulent collection accounts on my XXXX XXXX XXXX and transunion rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( Transunion and XXXX report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, Transunion and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and XXXX credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and XXXX to correct their mistake. I have attached XXXX and XXXX reports to show the discrepancies.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

GM FINANCIAL WAS SENT A 1099 C CANCELLATION OF DEBT XX/XX/year>. A 1099-C IS A CANCELLATION OF DEBT WHICH MEANS THERE IS NO DEBT AND THE DEBT SHALL BE REMOVED IMMEDIATELY UPON THE COURT ORDER 1099C FROM ALL BUREAUS FIRST, SECOND, AND OTHER AFFILIATES WHICH ARE AGAINST THE LAW TO REPORT ON A CONSUMERS REPORT. IT HAS NOT BEEN REMOVED AND ALL REPORTING BUREAUS HAVE THIS INFORMATION. PLEASE REMOVE THIS DEBT BECAUSE GM FINANCIAL HAS RECEIVED IT. PLEASE DO YOUR DUE DILIGENCE OF WHAT A 1099 - C IS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$24000.00}, XXXX XXXX XXXX  XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$54.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an update from XXXX  stating that my past due history increased for Discover from 96 % on time to 100 % on time history. I reached out to Discover and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

Discover has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked Discover to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is  reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.