23daVinci/CFPB_Complaints huggingface dataset:
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXXXXXX, XXXX XXXXXXXX : XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX XXXX, Has violated my rights. 
15 U.SC 1681 SECTION 602 A states I have the right to privacy 15 U.S.cC 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 1691c. ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

Experian, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX and TransUnion via telephone in the month of XX/XX/XXXX, the person who assisted me told me that the inquiries that I was requesting to be removed would be deleted from my report, but when I reviewed my Report weeks later they were still there. I decided to send a written letter first asking them to correct my personal information and then I sent a second written letter requesting that they delete the inquiries that had inaccurate and uncorroborated information that appears in my Credit Report, but they did not respond to me. These are the queries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Mortgage

I have autodraft setup to pay my mortgage. The company stopped by my autodraft because the payment changed by {$7.00}. They sent me several letters regarding the change and missed payment but they were delayed because I am currently working at the XXXX XXXX in XXXX. The mail takes 4-6 weeks to get here - sometimes more and I did not receive the letters. They made no other attempts to contact me. They have now reported that I was 30 days delinquent on my payment in my credit report. This is unacceptable. I have missed no previous payments on any mortgage.
Product: Credit card

Someone was able to get into my PayPal credit account and stole all my money and let me with the big debt, I talked to some representatives from PayPal and none of them were able to help me, this is a robb identity situation and the only thing they said is that since a it was send as friends and family they cant help me. The person who you my credit card took money as cash advance
Product: Credit reporting or other personal consumer reports

Time and again I have approached XXXX about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account WORLD ACCEPTANCE/WORLD FINANCE REPORTED XXXX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF 81 MONTHS XXXX, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXXXXXX XXXX XXXX XXXX XXXX monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX , XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

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
Product: Credit reporting or other personal consumer reports

There is a sale date on my home. This has been a struggle with Fay servicing. Despite multiple request, they have yet provide me with what months that I missed payments that put my account 120 days behind. I requested this multiple times and all they have sent spread sheets that reflect no missed payments. I need this information to present to my counsel and they refuse to do so.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute of the following accounts. I have contacted all the companies directly and was advised to follow these steps to resolve the issue. I have filed an identity theft report with the FTC, contacted all the companies, and now I am disputing the information. Please assist me with this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled my information which has led to a breach that puts myself and millions of others at risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I previously filed a complaint and was given unsatisfactory answers from Wells Fargo the complaint number was XXXX it was submitted on XX/XX/XXXX I am resubmitting this complaint with further details to the lost note, the robosigning, and the incorrect documentations on my property. 







In the documents that were used to start the initial foreclosure proceedings we have a signed lost note affidavit from Wells Fargo signed and notarized stating that XXXX XXXX XXXX an authorized signer for Wells Fargo states that Wells Fargo was the current owner of the note and acquired ownership from XXXX XXXX on XX/XX/XXXX in the information that was sent back from Wells Fargo in response to our complaint submitted in XX/XX/XXXX Wells Fargo states that they were servicing the note. The assignment of mortgage was signed and dated in XXXX from XXXX XXXXXXXX to Wells Fargo! There is an obvious gap from XXXX to XXXX there is no documentation to back up the legal transfer from XXXX XXXXXXXX to Wells Fargo in XXXX or XXXX the only thing we have is as an incorrect assignment of mortgage it was robosigned with only initials by XXXX XXXX XXXX XXXX, and XXXX XXXX known robosigners. No documentation supporting the transfer, and to this day no note on this particular transaction. The assignment of the note was not properly assigned the correct legal form for NY State was not used. Wells Fargo states that the robo signing issue had already been addressed with the Office of Comptroller of Currency but that has nothing to do with the foreclosure of the documents of my home that are not correct. I find it hard to believe that a bank that acquired ownership of a property would wait two years from XXXX to XXXX to legally file the assignment of mortgage with the county clerks office. There is an obvious break in the chain! Please refer to the prior documents that have been submitted prior! And for the record I noticed that they hadn't used the most correct lost noted affidavit instead they chose to use one from XXXX vs the more current one from XXXX where they stated they were the current owner in XXXX to present! Please look at the afffidavit stating that they were the owner not servicing the mortgage for XXXX XXXXXXXX! 
I have a current complaint that was submitted on
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

Closed an account with Amex in XX/XX/XXXX. A charge was charged to the closed account in XXXX. Amex did not send any statements. Noticed in XX/XX/XXXX that the credit report has a transaction 60 days past due. Called Amex, paid, and asked to reverse the credit reporting since they did not notify or sent any statements to me. Looking at the credit report, reporting for XX/XX/XXXX for this account still shows 30 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from DISCOVER FINANCIAL SER dated XX/XX/2022. I have not applied for any credit from Discover. I contacted Discover to check on this and was told they do not have any record of my name or social security number applying for credit on or about that date. Please have the inquiry removed from my credit report.
Product: Debt collection

The XXXX XXXX XXXX has contacted me regarding a citibank credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.
Product: Mortgage

I applied for a conforming, 30 year fixed mortgage from Chase.  I am a partner in a 400 person firm, have been employed without a break for over 30 years, have a hefty bank account, putting 66% down on the house, have XXXX the loan amount still in the bank after close.  XXXX Chase tells me the debt service threshold is exceeded, then it's my company's acquisition that's the problem, then my XXXX income, and after 60 days of going back and forth, asking me for the same info over and over, Chase changes the term of my loan, making up "exceptions" Based on the above, and making excuses on info they have for 60 days. I paid for and locked into a 3.75% rate, 0 points, and now after 60 days, they are trying to charge me XXXX points for the same terms.  
They have left me with no alternative for other funding due to the contract date coming up.  Someone in Private Banking at XXXX says Chase is XXXX, I'm a model borrower, tons of assets, excellent income, liquid assets, but now I feel I have no recourse.
Product: Debt collection

RSI Enterprises has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I was contacted by this collection agency last fall by telephone. They refuse to disclose why they were attempting to collect a debt. So I investigated. I found it on my credit report. It was a medical debt. So I called the hospital the bill was supposedly from XXXX  times. Everytime, there response was you do not have any unpaid balances, and no accounts were ever sent to collections. So I contacted collection agency, I asked for itemized bill. They refused to produce XXXX again. But just demanded I pay money for a debt, I can not validate. They are holding me XXXX, and my credit is severely impacted over a debt I never received, can't validate, and can not find any information on. I agreed if they produce a itemized bill, and write a letter to me in writing that if this so called, XXXX is paid in full, they will immediately remove it from my credit report. They refuse to send a bill or appropriate letter, over a debt that I do not know is even real. If I owe money, I'm accountable. But I need to be shown I owe money first.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COMPLAINT : XXXX FOLLOW UP On four seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, HORRIBLE... .they just say that the companies are NOT reporting to them over and over. Spoke with each and every missing lender 5 of them on several occasions and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. 
Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my recent XXXX Report Missing accounts FROM EQUIFAX have a RED CHECK MARK next to them. 
7 accounts ... .5 different lenders PLEASE SOMEONE TAKE THE TIME AND ADD THESE ACCOUNTS PLEASE Also attached is a copy of my Drivers license ... front and back and a copy of my social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

violating my consumer rights according to 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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. Company states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported me as " dead '' and took away my score. 

I am very much alive, not sure how or why I was reported other wise
Product: Mortgage

My payments was made early last month. Seterus is adding a {$90.00} fee without any explanation. No response when I call them
Product: Credit reporting or other personal consumer reports

I have requested Chase bank to remove 7credit enquiries over the past 2 years that occurred due to confusion/ misinformation in the credit page. I was checking the eligibility and comparing the cards, never realized the application was processed. Explaining the same issue and requesting for consideration to remove, chase never agreed despite me being a long term customer. They just ignored and refused my request.
Product: Credit card

Acct closed on XXXX 2009 and still showing on my XXXX credits bureau.
Product: Checking or savings account

They have frozen my account. I have provided them with my phone number and social security number, as well as my driver 's license number. I told them everything I can tell them. However, they still told me again and again to wait for a letter. I have been waiting for XXXX months. I have never received a letter from their bank. Now they have seriously affected my reputation. I need the money deposited in their bank to repay it. Affected by them, my reputation is very bad, and other bank accounts are also overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off XXXX XXXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. XXXX XXXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with Ann Taylor and XXXX both paid off and still have the derogatory reports listed