23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for XXXX XXXX XXXX XXXX XXXX XXXX, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from XXXX to Edfinancial. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my EdFinancial balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for XXXX on my credit report. 

I called XXXX and Edfinancial on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed 5 disputes with XXXX, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from EdFinancial and XXXX confirming that I do not owe this duplicate balance which I can send along. I thought XXXX had resolved, but I spoke again with a representative who disclaimed responsibility. XXXX tells me edfinancial is responsible. All parties agree this reporting of the XXXX loan is in error, but XXXX and EdFinancial refuse to take responsibility for correctly reporting that balance as closed to XXXX. 

I can attach documents but the attach window coding is currently not working on the website.
Product: Debt collection

A paid collection being reported with a balance on my credit report. It should have been removed. I had a debt with an apartment community that went to this collections agency. I've paid the debt and as of now the RentDebt company is still reporting the account with a balance. I also was told by them that the debt would be removed if I requested it. I have had no actual contract or any agreement with Rent Debt that makes me liable to them, nor did I receive any dunning notice before the debt was placed on my credit reports. They are in violation of FCRA. 


They need to remove this paid debt from my credit reports. The representative I spoke to said it could be removed if I requested it to. They can review that call.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I unfroze my credit with all three credit bureaus as part of a loan application. No one is able to access my credit as it remains frozen on their end. The loan process is obviously stalled. Credit bureaus direct my back online to the process Ive already completed. They have no person to speak with, and all show my credit is unfrozen.
Product: Credit card

This ENTITY is in violation of The XXXX XXXX of XXXX. Also, The Fair Debt Collection Act by The Federal Trade Commision. incurring interest on accounts that are closed and putting this information on my credit report and sharing it with third parties!!! 
Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 
XXXX XXXX  Adding delinquent accounts to my credit report. XXXX XXXX XXXX XXXX Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Debt collection

I have no knowledge of this account Im a victim of identity theft and the XXXX  data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC has failed numerous times to validate the debt for well over a year. I have never seen an original agreement that I entered with LVNV Funding LLC. They always say thats its verified but never validated. I have been threaded by this company and bullied. They have even contacted people who have no clue about this account such as my girlfriend, parents etc. I demand the harassment to be stopped and that they follow federal law by removing it from all credit reports since it has been well over 35 days to show debt validation with LVNV funding LLC
Product: Credit reporting or other personal consumer reports

In accordance to the fair at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of DebXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX ALLY FINANCIAL. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX XXXX  XXXX ( Original Creditor : XXXX. XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXXXXXX XXXX ) XXXX : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In 2006, I filed for bankruptcy if my real estate investment company. My primary residence was included but we wanted to keep our home and reaffirm the mortgage. 

We signed the reaffirmation agreement, but it was NOT sent to the recorders office by out attorneys. 

For 3 years U.S. Bank took our mortgage payments after the bankruptcy was discharged. Once they found it that our primary residence WAS included in the bankruptcy, U.S. bank stopped accepting our mortgage payments.

We have tried unsuccessfully for over 13 years to fix our mortgage but U. S. Bank has thwarted our efforts. 

It has caused so much stress and strain that it affected my marriage and after 29.5 years we divorced. 

U.S. Bank  has not assisted me, like it has assisted so many other clients, in trying to keep this XXXX veteran in his home. 

I dont believe the modification process has been fair and Ive had an undue burden placed on me and my family. 

I have been approved for a loan modification at least 3 times and approved for a short sale once because U.S. Bank got the information wrong and processed our home for a short sale when we requested a loan modification. 

The delays have lead to an insurmountable debt that U.S. Bank should take some responsibility for. I was approved again for a modification but my ex wife will NOT sign the modification paperwork. 

U.S. Bank is moving forward with the foreclosure process when all they have to do is give the homeowner a new mortgage. 

I would like some help in keeping my home of 23 years.
Product: Mortgage

Failure of servicer to follow instructions outlined in BK confirmation hearing on XXXX XXXX, 2013 for property to be deeded back to investor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crediting Reporting Act XXXX  Account # XXXX, 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 without my written instructions
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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 consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid late payments was made on XXXX car loan and reported with all three Credit Branches.

US CODE 1681s-2 Responsibilities of furnishers of information to consumer reporting agencys.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my identity was stolen by a check that was mailed to a friend for a birthday present. They took the check which had my name and personal home address on it and attempted to withdraw money from my account. A few months later I was made aware by receiving a letter in the mail from XXXX BANK that a loan was taken out in my name for {$5000.00} and that payments were not being made. I called numerous times to be juggled between people that seemed unaware on how to solve this problem. Already a victim this level of incompetence left me even more frustrated. They sent me paperwork to complete, which I returned immediately and more than 3 months later, I still haven't heard anything in resolution. I disputed with all XXXX credit bureaus and all them responded to my dispute saying that the loan was validated to me. How can that be since it wasn't me who did it. I have re-disputed again with all of the same information including the police report and the FTC report. 

I also received a letter from a company called SUNBIT stating there was a balance owed of {$480.00} for some window tinting the was done. This is also tied to this issue. I have been working with SUNBIT to remove this balance owed but no resolution to date.
Product: Debt collection

Harassing calls XXXX ( XXXX & XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX, XX/XX/XXXX & XXXX ), XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX harassing calls and on XXXX a rep hung up in my face when I tried to ask who they are and refused to get a supervisor I even emailed Halsted financial asking them to not call me
Product: Credit reporting

On XX/XX/XXXX2016 I received an updated credit report with a previously disputed account, XXXX XXXX XXXX being deleted from my file. On XX/XX/XXXX2016 I received a credit monitoring alert with XXXX XXXX XXXX being reinserted on my file. This account was never verified, nor was proof of verification sent which is why it was deleted on XXXX/XXXX/16. I was never notified within the 5 days of this account being reinserted on my file or proof of veriffictation method or documents. When I contacted Equifax I was advised the account was never disputed, there were no police reports on file, and the account belongs to me. I have an updated credit report from XX/XX/XXXX2016 with this account listed in the results as well as a report from XXXX/XXXX/16 showing this account was removed. The rep then hung up on me once I started quoting the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX Account Number : 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.
Product: Debt collection

I am a senior citizen and believe Armstrong & Associates is inappropriately attempting to defraud me out of money for a medical bill/debt I do not owe because the medical bill/debt was paid by Medicaid/Medicare. In addition, Armstrong & Associates is inaccurately and illegally reporting a medical bill/debt on my XXXX, XXXX and XXXX credit XXXX. Again, this medical bill/debt was paid by Medicaid/ Medicare . The amount of the medical bill/debt being reported by Armstrong & Associates is in the amount of {$2400.00} in XX/XX/2020 This company Armstrong & Associates is located in XXXX  Alabama and claim this medical bill/debt is for XXXX XXXXXXXX XXXX  Hospital located in XXXX XXXX, Louisiana XXXX 

I have mailed Armstrong & Associates several certified letters seeking legal validation per the Fair Debt Collections Practices Act of this medical debt that their company is reporting on my credit reports and Armstrong & Associates has not provided and/or answered any of my questions regarding this medical debt they continue to inaccurately report on my credit report. Moreover, I contacted XXXX XXXX XXXX Hospital, the hospital where I received medical care and was advised by XXXX XXXX XXXX Hospital billing department that per their records the medical bill was paid by Medicaid/Medicare and I do not owe them ( XXXX XXXX XXXX Hospital ) any money for the aforementioned medical bill/debt. 

In addition, I provided XXXX XXXX XXXX Hospital the account number and date of service and other account information Armstrong & Associates is reporting on my credit reports, XXXX XXXX Hospital stated that no such account exist in their records. Moreover, the date of service and numerous other errors are being reported by Armstrong & Associates on my credit reports. I have no idea of who this company is and the company will not respond to any of my letters/request seeking information and debt validation.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, INNOVIS XXXX Over the pass 24 months I have submitted several disputes via certified mail and to the CFPB as well as the Federal Trade commission and the XXXX XXXX XXXX regarding items on my credit report that were inaccurate, false or not mine. 

After a thorough investigation XXXX XXXX deleted all the items disputed over this period. ( see the attached ) however, XXXX XXXX and XXXX XXXX willfully continues to verify, change information and date on the inaccurate accounts rather than removing them from my credit report. The have changed several times the following : XXXX. The name of the company XXXX initial date of last payment and reage the account XXXX. The amount of last payment XXXX. The date the last payments were made XXXX. The balance on the account XXXX. The open date of the account XXXX. The closing date of the account They continue tomake several changes to an account then report that the account was verified. 
How can you verify an inaccurate account that you constantly changing the data and name of the company????????? If its inaccurate and incomplete the law said it should be deleted not corrected several times. 
How can XXXX credit reporting agencies report different information on the same account then say their reporting is 100 % accurate and complete? 
If its accurate why keep changing the data, the company name, the payment dates etc.?????? 

XXXX XXXX remove all of the following disputed inaccurate items ( see the attached ) XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX have ask you to take a close look at all my disputes over the pass 24 months and you will see the many corrections and changes XXXX and XXXX have XXXX to XXXX of these inaccurate accounts in order to willfully and negligenlly keep them on my credit file even after I have proven to them that the accounts are inaccurate and fraudulent. the just keep changing information then send me notices that they verified and updated the account. 

How do you verify and update something that is inaccurate??????
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received {$15000.00} From XXXX XXXX XXXX. 

Account Has been limited after payment received. 

sent paypal a photocopy of my drivers licence, bank statement, and answered questions regrading to the activity on the account. 

XXXX of XXXX I received a email from paypal stating they have chosen to part ways and i have to wait 180 days for my money.
Product: Checking or savings account

citibank was only authorized to debit my business account ending in XXXX. 
on XX/XX/year> citibank debited about {$3600.00} and {$1400.00} from my personal account with citibank and had no written authorization to do so
Product: Debt collection

debt was opened XX/XX/2017 and I'm disputing it.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf,
after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used the payment app XXXX through my bank, Bank of America to send {$600.00} to XXXX XXXX  ( XXXX ) and XXXX XXXX in exchange for concert tickets to be provided digitally. However, the tickets were never delivered and I was blocked on the communication platform, XXXX XXXX, by XXXX XXXX. 

I immediately contacted the bank and let them know what was going on as well as my local police department, XXXX XXXX Police Department to file a police report. I spoke with several bank representatives over the next few weeks, trying to get my money back. I was advised that I agreed to the terms of the payment that the money could not be retrieved and because of that the transfer was considered to be authorized and they can not return authorized transactions. I was advised that as a curtosy they would contact the banking institution that the payment went to, XXXX XXXX XXXX, and try to recover the funds on my behalf. I was told that they attempted to contact XXXX for 7 days and when no resolution was achieved they closed the claim. 

On XX/XX/XXXX I was advised by a supervisor in the BOA Fraud Department, XXXX, to contact the Chief Client Care XXXX, XXXX XXXX ( XXXX ), and describe the issue to her, she may be able to grant a one-time-courtesy-refund due to my loyalty to BOA as a XXXX customer. On XX/XX/XXXX, a woman from XXXX 's office called me to advise again that they would not be returning the funds as they are considered authorized due to the agreement that populates prior to sending money. I advised her how upset I was with this resolution and that I would be taking the steps I felt necessary to react to this issue, like pulling all of the accounts from BOA. 

Currently, the funds have not been returned to my account. In order to sign up for XXXX one must provide a real name and email address. Therefore, both banking institutions know exactly who the person is that stole this money from me is, XXXX XXXX. But they are each refusing to take responsibility for the restitution of the funds. 

I strongly feel that this fraud committed against me violates the Electronic Fund Transfer Act and that these large banks are using XXXX to skirt federal banking laws that protect consumers. The ownership of XXXX by the 7 largest banking companies and advertising this service to the retail consumer feels like another way that the large banks dupe and take advantage of the small retail consumer.
Product: Mortgage

Payment is not properly applied. Payment should apply first to principal and interest only. 
Previously complained. They corrected it. It happened again. In addition, the bank statement doesn't show how they came to the final regular payment. If there is a late fee, it doesn't show in the statement. I complained again today and the complaint # XXXX. The bank associate agreed there is a problem and is very helpful. There is either a problem with bank on line payment system and printed statements or Bank of America deliberately adopting financial malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Also...

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