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

My initial Fraud Affidavit was XX/XX/2010. Ive had two Attorneys since. FCRA multiple paid for fraud alerts. I was just prevented from opening a bank account because of bogua information that Experian refuses to remove. Wrong addresses, car loans I dont own, my actual credit cards paid in full are never on there. Worse Ive sent them evidence that cars were paid for, student loans paid off in XXXX, phones & credit cards I dont own. Yet what I do own never waa reported. I had a vacation trade on auto deduct, a XXXX XXXX collector came after me for a vacation membership paid for never used. worse all these years 10 years, they sent me a report with my name spelles wrong. no one had permissalble purpose. i never owned whats on the report. The same debt collectors never stop coming after me knowing I have ID theft/take over. i actually have every return receipt, my first attorney removed all false information. They never stoppes. My second attorney sued but that never stopped them. This became a full time job, and now it looks like I owe on the nothing that was mine. all clear id couldnt believe what they were seeing. the spelled my name wrong i follow their process, provided all proof return receipt. i cant have a bank account now. because they broke the law & medically honestly destroyed me. i physically confirmed the information is wrong by flying back Im not in companies systems so whom ever at the desk at the CRAs need to stop allowing it. i followed the law disabled & proved it year after year. Their excuse was we just report what we get, its 10 years of XXXX maybe they should secure their system & stop allowing it. ive spent so much money on companies I never gave consent to to collect info & report it. None of it is true yet they dont care even with truth. I could actually die being this sick unable to have nothing bc Im a number to them they dont care about
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my  credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
Product: Debt collection

The debt is from Wells Fargo that claims I took a student loan out with them back in XXXX. I have never done business with Wells Fargo after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. TransUnion Consumer Solutions, XXXX XXXX, and XXXX  is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : UNAUTHORIZED HARD INQUIRIES Inquiry Name : XXXX Inquiry XXXX : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX, XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Background : It has been confirmed that the car loan previously associated with this vehicle was fully satisfied and paid off as of XX/XX/year>. Evidence of this full payment was formally acknowledged by your institution, and the title of the vehicle was subsequently transferred legally into the XXXX XXXX XXXX XXXX XXXX. Documentation confirming both the payoff and the title transfer are held by the XXXX and have been previously furnished to your office. As well as attached to this letter. 

Issues : Despite these clear and lawful actions, First Commonwealth Bank has continued to assert that a debt is still owed and has pursued collections activities. These actions include communication attempts to collect a debt and reporting of this alleged debt to credit bureaus, thereby damaging the My credit standing and reputation.
Product: Debt collection

I purchased total loss protection for a used XXXX XXXX XX/XX/2012 through XXXX XXXX of XXXX. I was told when the car was totaled in an accident that I was over charged the value of the car and the GAP insurance would not cover XXXX dollars. I payed XXXX of this XXXX not knowing that the Gap insurance should have cover all of the Total loss of the vehicle. Fifth Third Bank was the lender I garunteed my loan through. They are sending me letters saying I owe them money. I have not called the number on the form because I do not want to communicat with them verbally. This claim is against Fifth Third Bank XXXX XXXX and XXXX XXXX of XXXX Massachusetts. Fifth Third Bank has admitted to 15 million settlement since they have allowed automobile dealers to charge higher interest rates to XXXX XXXX and XXXX borrowers than XXXX borrowers with similar loan qualification. Because the bank is admitting to wrong doing, why are they still requesting money from me?
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. 
XXXX XXXX, XXXX XXXX XXXX USDOE/XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, US DEP ED XXXX, US DEP ED XXXX, ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX, USDOEXXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, 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: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX Balance {$3900.00} ETER FIN XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$7500.00} XXXX  - XXXX {$0.00} XXXX XXXX XXXX - XXXX {$370.00} XXXX - XXXX {$600.00} XXXX  XXXX XXXX - XXXX {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX - XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX - XXXX {$3400.00} XXXX  - XXXX {$310.00} XXXX  - XXXX {$0.00} XXXX - XXXX {$690.00} XXXX XXXX  XXXX - XXXX {$470.00} XXXX - XXXX XXXX {$330.00} XXXX XXXX - XXXX XXXX XXXX {$180.00} XXXX XXXX - XXXX {$360.00} XXXX - XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX - XXXX XXXX {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The first one is for the year XXXX and the second one is for the year XXXX. I had insurance for both of these but im not sure if my insurance was filled correctly to cover these medical items. The XXXX items amount was {$1800.00} and the XXXX item the amount is {$2400.00}. I set up payment for both of these and i have not seen any of the amounts going down in the amount. I have talked to these people and they have told me that i have to pay the interest down first well that is not even going down on the amount either. I set this up so they would not garnish my paychecks i cant have the garnisment cause im barely making it now cause i had to buy myself another new used car so i can drive to work. They have filed a XXXX Judgement on both items. I feel that i should be getting most of these items paid off but they just keep staying at the same amount i owe and no improvement. I just want this to improve soon. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, XXXX  and Equifax on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my Equifax and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my Equifax XXXX or XXXX   accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified form for my annual credit. The tracking showed that it was delivered on XX/XX/XXXX XXXX XXXX. Your website and all the webstie says to talk to a live person call XXXX XXXX XXXX There is no way to talk to a live person at annual credit report. Please investigate. and provide a real contact phone number to talk to someone in person. Every year i get a hard mailed copy of my credit reports. but now they are making it difficult to get a mailed hard copy. Let me repeat the number that is listed everywhere to talk to a live person is not correct. no prompts to talk to a live person. so the website is false information!!!!
Product: Credit card or prepaid card

I signed up for a secured credit card with Capital One and due to an error outside my control my payment did not post and I was kicked out of the program they have for new account holders which states if they pay the first 6 payments on time they would automatically get a credit line increase. I mailed my payment in 2 weeks before the due date and it was never received or posted. I recently signed up for a Quicksilver credit card with them and again same program and I missed a payment because their system said I had already posted a payment. Now they are saying the payment was canceled ( which it was but why their system was saying it wasn't I do not know ) and thus I missed the payment date. I have also been told that canceled payments don't always get canceled, so I was going by what I was told and what their system told me. If I had known this I would have made a payment and not be filing this complaint. I tried twice including speaking to a manager in getting this fixed and they claim they can not fix it. I would like this fixed because it is also going to affect my credit score and my reputation with them because it is showing I was late one time.
Product: Debt collection

On XX/XX/2018 I received a credit alert from XXXX  that a new collection account has been added to my credit file in the amount of {$1000.00}. The company is Capio Partners/XXXX XXXX XXXX. On XX/XX/2018 I sent a validation letter by certified mail via USPS to this company requesting that the debt be validated and requested that all communications be conducted by USPS. On XX/XX/2018 the validation letter was delivered to an individual at Capio Partners office address. Between XX/XX/XXXX and XX/XX/2018 the account was removed from XXXX and XXXX. At that time I was not disputing the account with the credit reporting agencies directly and after Capio Partners received the validation letter requesting validation of debt per the Fair Debit Collections Practice Act and the Fair Credit Reporting Act the account was removed. Capio Partners was not reporting to XXXX at the time, As of XX/XX/2018 I have not received any communication from them through USPS as  requested validating the debt they claim I owe. I believe that XXXX XXXX is being negligent in reporting to XXXX  an account that was requested to be validated by me per FDCPA and FCRA. This company has directly affected my credit worthiness with possible lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

A large loan keeps showing up on my credit report. Ive never heard of the company and never applied for any loan of any type with them. It is severely affecting my credit score because the fraudulent account has 5 missed payments, and its not a company Ive ever heard of it dealt with in any way, shape or form.
Product: Debt or credit management

I went through a depht consolidation 12 months ago and XXXXXXXX XXXX XXXX  only paid 3 of my credit cards .I paid over XXXX dollars and I have received 2 summons for 2 of the credit cards .I have been trying to get a hold of them and they never have contacted me on this situation. I have sent them all my paper work and the court papers and still no respond .There was a attorney appointed to me through them and now he's not contacting me at all .I want something done with this company because now they have ruined my life and ruined my credit score .In there contract they are suppose to pay me back if I cancel anytime and they are suppose to pay me back 80 %. But we know that won't happen because I believe I got scammed
Product: Debt collection

XXXX XXXX XXXX I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Payday loan, title loan, personal loan, or advance loan

I wish to formally lodge a complaint against Best Egg concerning the handling of my personal loan. Over the span of six consecutive months, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have observed that none of the payments I made during this period were allocated towards reducing the principal balance of the loan ; instead, they were exclusively applied to cover the accruing interest. 

During this time frame, specifically on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I executed automated payments amounting to {$190.00} on my Best Egg personal loan. Regrettably, out of these payments totaling {$1100.00}, not a single dollar has been directed towards reducing the principal balance of the loan. 

In an attempt to address this issue, I contacted Best Egg on XXXX XXXX XXXX However, the representative from Best Egg attributed this problem to a " computer issue '' and refused to retroactively credit the payments towards my principal balance, as they should have been over the past six months. 

As of today, my loan 's principal balance remains at {$6500.00}, which is the same amount it has been since XXXX XXXX XXXX I initially obtained this loan in XXXX XXXX  for {$7000.00}, with a fixed interest rate of 20.51 %. I agreed to a payment schedule consisting of 59 consecutive monthly payments of {$190.00}, with one final payment covering the unpaid principal balance, interest, fees, and charges. 

To alleviate financial hardship, I had previously availed two 'Payment Holidays ' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling four months. During this period, it was agreed that the interest on my loan would continue to accumulate, and the loan term would be extended to provide temporary payment relief. However, it was not part of the terms to have {$1100.00} applied exclusively to interest and {$0.00} towards the principal balance for six consecutive months post 'Payment Holiday '. 

I sought the 'Payment Holiday ' due to financial challenges arising from my responsibility to care for my XXXX  mother and her medical expenses while still supporting my household. As of now, my loan balance comprises {$6500.00} of the remaining principal balance, {$2000.00} paid in interest, and {$830.00} contributed toward the original loan 's principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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.

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.
Product: Mortgage

We are negotiating to purchase a property in XXXX New Hampshire, USA. We live in XXXX, XXXX XXXX. Lender is HSBC International. With two weeks to go before closing, HSBC says the underwriter needs repairs performed on the home before they will close and transfer title. The seller, XXXX/XXXX says the house is being sold " as is '' ( Bank Owned, Foreclosure ) and will not allow repairs to take place prior to closing. Neither side will budge. HSBC gives us no time to secure alternative financing and we risk loosing this home and our deposit of {$5000.00}. We provided everything they asked for in a timely manner but HSBC has dragged their feet, not answering or returning phone calls or emails in a timely manner. We offered to HSBC for us to put funds for said repairs into escrow allowing them to be confident that said repairs would take place after closing but they refused this offer. We feel we have been deceived as we have been pre approved for the mortgage, are putting 30 % down and putting {$10000.00} into a HSBC bank account for the life of the loan. The value of the home as it sits is far greater than the amount we are borrowing. XXXX pre approved for {$70000.00}, financing circa {$55000.00} ) We are devastated that we and everyone involved have put so much time and effort into this transaction only for it to fall apart at the eleventh hour. We have escalated this with HSBC asking a manager to take our case back to the underwriters but feel that HSBC does not have a sense of urgency and are giving us the brush off. This is not the " World Class Service '' that HSBC advertises. This is an XXXX, we have fell in love with, and do n't want to loose it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I reviewed an online copy of my XXXX XXXX Profile and noticed a Voluntarily Vehicle Repossession had been entered. The entry had been reported by a XXXX XXXX XXXX located in XXXX XXXX California. Now according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is now revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX and XXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I XXXX XXXX XXXX had a Mortgage with Ocwen Loan Serving, LLC the last payment received from XXXX XXXX was on XX/XX/17 this payment didnt include a debt withdrawal of XXXX onXX/XX/2017 .. this payment was never made to Ocwen or has it been returned .. Ocwen failed to provide pay- off information to equity accelerator or stop these payments.. I myself had to stop payment with my financial institution too stop these unauthorized payments.. after loan should have been paid in full.. we were required to pay ahead a month before the first month of starting this program..so in XXXX XXXX we meet those requirements.. not XXXX or XXXX ..My wife XXXX XXXX was authorized to talk on my be-half on these time frame with both of these companies.. I already authorized her to do so ...