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

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXX {$29.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Product: Debt collection

I have been contacted by them over 30 times in the last week. I have let my lawyer deal with them as I am in bankruptcy stay and everything is included from medical on up. They contacted me this morning a female who would not give me her name when I told her that she was in volation of bankruptcy stay, and that it was included. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have spoken with XXXX and they have informed me that they are working directly with me. I was told that this company shouldnt be contacting me anymore about this issue. The problem is I have never heard of this company before. I seen it being reported on my credit reports and thats when I was already speaking to XXXX about this situation. I want this company to stop reporting falsely to my credit reports as I do not owe them ANYTHING.
Product: Debt collection

On date of medical procedure XX/XX/2022 I informed staff I could not afford the procedure, they informed me I can go on with the procedure and be put on a payment plan, which I did and made regular payments. Once on the play I called and even inquired about how long I could make payments for and was told it would not go into collections. I made regular payment and once I had a surplus of savings ( less than 9 months after receiving a large bill ) I paid off the full remaining balance -- -then I received notification that it was sent to debt collectors : 1 ) I was told I could go on a payment plan, this should have never been sent to collections since I was making payments in good faith 2 ) If I was not meeting minimum timeline or payment amount I should have been contacted before it was sent into collection to see if I could meet their minimum 3 ) Sending a willing patient payer into collections is just plain mean and unnecessary especially when told my account would not go into collections 4 ) The debt was paid and should be removed from nay trace of being sent to collections, considering contacting an attorney to see how this can be rectified without having it effect my good credit standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I came across billing errors on my credit report. The late payments shown are not representative of my normal payment history. Kindly fix these errors and update my account.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Fifth Third to request prior banking reports.On XX/XX/XXXX, I tried to reconcile with Fifth Third Bank, and their customer service representative refused, to resolve matter.I was told to contact you credit company about new account pending to be open with Fifth Third Bank.In XX/XX/XXXX Fifth Third Bank representative asked me if I needed payee amount paid from my account.I didn't request this information.I reported information to another service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys! 

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 
FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Mortgage

We owned a property in 2011 and sold the property in 2011. Almost three years later we did a home modification loan with Wells Fargo home mortgage. During the time of the modification they somehow, without our knowledge, put a lien on the property that we no longer owned. Now the owners are selling the property and cannot do so because there is a lien from Wells Fargo home mortgage when they did that modification. When contacted, they responded to the attorneys and told the attorneys to sue us directly. We are now having to respond to a lawsuit and also Wells Fargo is going to be included in the suit. I am going to the Media soon. We would like to prevent this from happening. I have all documentation and my attorney has all documentation. Wells Fargo sold the loan to XXXX and then XXXX, when contacted about the issue at hand, sold the loan to a XXXX XXXX Company, so it appears as though there's some type of fraud going on here and they will not speak to us and we are the owners of the property and we are paying the mortgage payments and they will not discuss anything with us. They have refused to speak to us time and time again and then their attorney responded by XXXX  to our address, telling the person who now owns the property, and by the way is a very good friend of ours, to sue us. We did not have any knowledge that there were any type of liens on any properties other than the one we reside on and they modified, however they put a lien on that property as well as several properties we no longer own and one we still own and they will not remove the liens. They are telling them to sue us and taking no responsibility for their illegal act so now it may go to the media as well as to the courthouse. I am located in XXXX XXXX Florida XXXX as well as the property we sold
Product: Debt collection

I have sent debt validation letters to this company In reference to debt they say I owe. The company has ignored my letters and have yet to validate the debt. Theyve also reported this account twice on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXXXXXX, nor did I provide written consent for my credit report to be accessed.
Product: Debt collection

I have attempted to contact this company regarding three debts that showed up on my credit report. Its time someone said they would send me information. I have yet to receive information and its been over three months since I talk to the last representative. I need to find out more information about these debts, If they are in fact mind I would like to settle them. I am currently unemployed.
Product: Mortgage

Ocwen did not pay the hazard insurance through the escrow. this is the 3rd year we have had issues with them making this payment even though we pay into escrow for it to be paid. Now they are threatening to buy more expensive insurance or make us pay out of pocket for something they should have paid already a month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. Equifax and XXXX  removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Was Charged on a Care Credit card illegally by the emergency vet XXXX This group did not charge my mother for the services they provided. After they realized they did not charge us, the company harassed us to pay. the company did not have my information for anything other than my name and phone number in case of emergencies but this was not my responsibility. i did not sign anything this was my mothers account. not mine. the company was aware i personally had a Care Credit card but did not have any information about the card. i later had a charge for {$6500.00} that messed up my credit since around last XXXX. i have disputed, reported, called the company, got 3 different cards for the company so they can investigate. nothing has helped. this company stole my information to illegally charge my credit card and the Credit company wont do anything.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report there are an erroneous amount of errors throughout my report.
Product: Credit reporting or other personal consumer reports

The reason for the communication refers to the following concerns : 1. Unreported or inaccurate information on my consumer credit reports : When reviewing my TransUnion report, I noticed that the credit limit of {$19000.00} is not reported, as reflected on the XXXX credit report. It appears that TransUnion only captured payment history for the last 24 months. 

When reviewing the XXXX credit report, I noticed that payment history for the last XXXX  months is not displayed ; only the month of XXXX is visible. 
When checking my XXXX credit report, my XXXX XXXX account ( including credit limit and XXXX payment history ) is not reported. 
I request that you report my XXXX payment history and {$19000.00} credit limit to all credit agencies to ensure accurate financial information on my credit reports with the major agencies : XXXX, TransUnion, XXXX, and others as applicable. 

2. I would like to know my membership number because I can not locate it when accessing my account. 
Additionally, I would like to understand the process and implications of canceling my membership in the future. Since contacting you directly has proven difficult, I am seeking this information through this channel. Needless to say, their customer service could be improved. 
3. I am supposed to have a VIP membership with a limit of {$30000.00} instead of a credit limit of {$19000.00}, indicated in the membership terms at the time of subscription 4. When I initially signed up for this membership, the agreed upon amount was {$570.00}. However, it has now increased to {$620.00}. I would appreciate an explanation of this setting. 
I am willing to provide any additional information requested and wish to express my gratitude for the time and effort you invested in resolving this matter.
Product: Debt collection

I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY. The following accounts reporting to my consumer report is a violation of my privacy. REMOVE THE ACCOUNT LISTED BELOW - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA. This collection has been placed on my consumer report. This account is not mine. Remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit card

This is regarding my dispute for the transaction charge that I did not authorize on XX/XX/XXXX on my credit card ending in XXXX. 

I hired a marketing company called XXXX XXXX on XX/XX/XXXX for {$12000.00}. I signed the contract for {$12000.00}. The company collected {$12000.00} from me however the company charged additional {$3200.00} on XX/XX/XXXX which was not part of the contract. I have attached XXXX documents, email proof for docusign signed on XX/XX/XXXX for XXXX weeks contract, XXXX document for XXXX pages document for XXXX weeks contact for a total of {$12000.00} with first payment of {$3200.00} on XX/XX/XXXX to start XXXX weeks contract, XXXX payment of {$3200.00} on XX/XX/XXXX, XXXX payment of {$3200.00} on XX/XX/XXXX and final payment of {$3200.00} on XX/XX/XXXX. This is a total of {$12000.00} as indicated on the contract I signed. XXXX document for email proof emailed to XXXX XXXX, the owner of XXXX XXXX  to terminate my contract on XX/XX/XXXX. The charge of {$3200.00} on XX/XX/XXXX is unauthorized, unrecognized and considered to be fraud. 

Chase closed my fraud claim case
Product: Consumer Loan

Long story short. A few years ago took out a title loan, the car was crashed and paid off ( partially ) the company ( named above ) reached out that I still had payments. The only contact they had was my Old number and my old job number, so were n't able to get in contact with me. This XX/XX/XXXX I had a summons to report to court I did that. Where me and a lady from the above company name met and signed an agreement that I 'd pay an amount. I did miss the payment of not working right now ( which I explained at the court ) I only receive Cash aid and Food stamps. On XX/XX/XXXX at a approximately XXXX my old coworker texts me like HEY, SOMEONE CALLED YOU REGARDING SOME MONEY. I asked him if he got her name and number, he only got the number. So he then tells me, YEA SHE WAS ALSO ASKING IF I COULD GIVE HER YOUR LAST XXXX SSN FOR VERIFICATION OR AN PAYROLL INFO, my friend said he could n't provide that information to her. I then reached out to the company where a lady was being very UNPROFESSIONAL she went on to tell me WHY THE XXXX HAVE N'T YOU PAID YOU WENT TO COURT AND SIGNED PAPERWORK, YOU KEEP GIVING US THE RUN AROUND, yada yada yada, so I went on to inform her that first off, you 've been calling my OLD place of employment I can give you my cell and I can make a payment on the XXXX of this month. So eventually, I asked to speak with someone else, the mean lady said that another lady named ( XXXX ) would contact me. It 's XX/XX/XXXX and yet to hear back. I just would like to be able to pay or miss a payment in peace, like stuff happens, I told her I 'd pay this coming Fri and it was like if you do n't have now then where gon na take further action.