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

The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX  Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  Balance {$190.00}
Product: Debt collection

XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by XXXX  XXXX XXXX ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.
Product: Mortgage

As you can see from SPS XXXX XXXX when SPS added Flood Insurance my Escrow Payments for the Taxes where short. But as soon as they removed the XXXX XXXX my Escrow was fine. But the problem is that since XXXX SPS has been over charging my monthly payments. 
Let start with XXXX My XXXX and XXXX is {$560.00}. The taxes for XXXX where XXXX XXXX month= {$140.00}. Adding {$560.00} XXXX {$700.00} per month. SPS was charging me {$160.00}. Adding $ XXXX {$720.00}. Difference of {$17.00} per month total XXXX 

Again in XXXX. My XXXX and XXXX is {$560.00}. The taxes for XXXX $ XXXX XXXX XXXX. Adding {$560.00} + $ XXXX {$720.00}. SPS was charging me {$190.00}. Adding $ XXXX {$750.00}. That would be a difference of {$36.00} for the year total {$430.00}. 

Again XXXX. My XXXX and XXXX {$560.00}. taxes for XXXX where $ XXXX XXXX {$720.00}. SPS was charging me {$220.00} + $ XXXX {$780.00}. That would be a difference of {$56.00} XXXX {$670.00}.. 

Again XXXX. My XXXX and XXXX {$560.00}, Taxes for that year where $ XXXX XXXX XXXX. Adding {$560.00} + XXXX {$720.00} SPS XXXX charging me {$220.00} for a grand total, of {$780.00}. The difference of {$55.00} x XXXX {$660.00}. 

So with that said, SPS owes a total of {$1900.00} for over charging me since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by Exeter Finance LLC. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that Exeter Finance LLC is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is Exeter Finance LLC attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has Exeter Finance LLC has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Debt collection

I received mail from Resugent Capital Services dated XX/XX/XXXX on debt for XXXX XXXX XXXX. Ref # XXXX. The original debt is from XXXX. Due to the amount of time, this needs to be deleted and off all credit reports immediately.
Product: Mortgage

I was in a forbearance due to job loss from convid and I was told the payments would be Ballon to end of loan so at the end of the foreberance I was offer a quick sale or lump sum payments not understanding trying to avoid foreclosure of my home please help.
Product: Money transfer, virtual currency, or money service

Hello ser, Thanks for the consideration and time, the company is paypal.. Paypal placed my hard earned money on temporary hold even after giving them and providing them with all the necessary documents required.. Am trying to provode for my XXXX XXXX XXXX family, and i can't do that with paypal obviously trying to scam me, and take my hard earned money. My paypal email is XXXX and amount being placed on hold is XXXX $ that i worked hard to get.. Please do something about it, please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts XXXX XXXX and Capital one are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX   dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX  refuses to let me dispute these two accounts again. XXXX XXXX XXXX and Capital One are included in the public record located on my credit report.
Product: Mortgage

Hi, My account has always been set on autopayment with funds being drafted automatically monthly. Something happened where the account was no longer being auto paid monthly that was unknown and unannounced to me. I always assumed that I was making monthly payments. 

It was not only when I was trying to buy a house did the lender notify me of this situation. I immediately paid off all late fees and put the payments back on monthly autopay. Pen Fed ( my heloc ) would not remove the late reports.
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.

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 accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It would be times when money would be took and I did authorize it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. 

They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. 

The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. 

These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. 

I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.
Product: Credit reporting or other personal consumer reports

I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX  XXXX  Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX XXXX collection : XXXX XXXX  XXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX  XXXX XX/XX/XXXX {$8300.00} inquiries : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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: Credit card or prepaid card

A scam artist created a XXXX post that looked just like branch app and invited me to join the contest. I regularly do business with branch, and know of other companies that do same advertisements on XXXX. They told me to like, comment with a charity I would donate winnings to and follow page. They then contacted me via XXXX and said congratulations you won. The page was created to look exactly like branch. It even said branch app. They said they need to confirm my account and I did. The scammer then accessed my account and transferred XXXX out of my account into theres. The bank branch bank denied my fraud claim and said I was at fault not them for falling for scam and confirming my account., They refused to refund the money. A signature was needed to complete transfer, and branch could clearly see that wasnt my signature.
Product: Credit reporting, credit repair services, 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 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is unfit
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen. I have a police report inquiries was made on my credit without my permission. I am submitting a copy of the police report and screenshots of the inquiry on my Trans Union.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " 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. '' Equifax, XXXX, XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER
Product: Credit reporting, credit repair services, or other personal consumer reports

Its simple under the law we are entitled to adverse action free credit report. We have had a number of adverse actions ad poor credit lately due to untimely and incorrect reporting and in aility to access via any and all venues technology or means what Experian claims is the method for securing such. We are locked out at every single turn! FTC- " Under federal law, youre also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. Youre also entitled to one free report a year if youre unemployed and plan to look for a job within 60 days ; if youre on welfare ; or if your report is inaccurate because of fraud, including identity theft.So why are we bing denied and why is it you can not assist?
Product: Money transfers

I recieve XXXX payments on the " direct express " debit card from " COMERICA BANK '' this morning I attemped to pay my monthly bills as usual only to find that {$800.00} was stolen from my checking account. I called customer service and the bottom line from them was, we will send you documents in the mail in XXXX business days to fill out and return. Then they will begin an investigation and in XXXX days they will decide whether to restore funds or not. so, im XXXX, I have no children and no savings and no rent or medical premium or food. can you please help? besides calling landlord and others i owe to ask them for more time due to stolen funds, what can i do or where can you refer me to at least pay my medical premium
Product: Credit reporting

Credit Reporting Agency is reporting an unvalidated and unverified debt from a collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from XXXX, XXXX, and Equifax. The accounts in question are associated with XXXX XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

1. XXXX XXXX - XX/XX/XXXX - XXXX 2. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well. 

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX XXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Modification approved XX/XX/XXXX first payment XX/XX/XXXX made 5 payments still showing behind on credit report which is illegal and unapplied payemnts on mortgage WHY? PAYMENTS HAVE BEEN MADE! Final modification paperwork was finished no need to sign anything else if your ERROR!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX XX/XX/2020 ), CITI CARDS CBNA ( XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Experian and XXXX about removing my fraud alert from my credit report and was told by both parties that I will have to write a letter and so I did and it's been over 30 days since that time that my fraud alert is still on my credit report. they refused to do anything and told me that I will have to write another letter which makes no sense. Please help me with this situation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX