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

PLEASE BE ADVISED THAT 15U.S.C. 1681 602 A ACCURACY AND FAIRNESS OF CREDIT REPORTING HAS BEEN VIOLATED BY XXXX XXXXTRANSUNION XXXX AND XXXX XXXX. ALL OF THE ABOVE IS REPORTING AN ACCOUNT # XXXX ON MY CONSUMER REPORT WITHOUT MY PERMISSION OR KNOWLEDGE OF DOING SO FROM THE START OF REPORTING FALSE TRADELINE.XXXX XXXX  FAIL TO VERIFY THIS ACCOUNT WITH CORRECT MAILING ADDRESS AND INVOICES OF MONTHLY STATEMENTS AND ORIGINAL CONTRACT THAT I SIGNED WITH THEM FOR PURCHASE OF USED VECHILE AND PROOF OF VECHILE BEING REPOSSED FOR ADDRESS ASSOCIATEDCWITH THE REPORTED ADDRESS OF XXXX XXXX XXXX XXXX XXXX NJ XXXX. IT SHOULD BE NOTED THAT THIS PROPERTY WAS VACANT OR ABANDONEDAT THE ALLEGED TIME OF CONTRACT AND LATE PAYMENT OR REPOSSESSION. I DEMAND ALL INVOICES MAILED TO ME AND PROOF OF REPOSSESSION-TIME, DATE, AND LOCATION OF REPOSSESSION.
Product: Checking or savings account

On XX/XX/year> I received three new debit cards in my name sent to my home address through XXXX mail from XXXX different companies ( PayPal, XXXX XXXX, and Yes ). I did not request any of these debit cards and have not requested any other debit cards, credit cards or any other new bank accounts in the last several months. 

The same day I also received a letter from XXXX XXXX  confirming an application in my name that was made on XX/XX/year>. None of these debit cards/applications were requested by me and all appear to be fraudulent activity associated with potential identity theft. 

I have called PayPal, XXXX XXXX and XXXX to report these debit cards and request that they be frozen or closed. To the best of my knowledge those debit cards have been closed or frozen. 

I have attempted to contact XXXX about their unsolicited application in my name but was only able to schedule a phone call for XX/XX/XXXX. On XX/XX/year>, I also sent an email to an email address provided on their website explaining the issue but have not received a reply so far. 

I do not know if any charges or other activity has taken place on through these accounts that were opened in my name. 

I have requested a fraud alert through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved and applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the annualcreditreport website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/XXXX score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, AMEX was able to get my credit report so there is no issue on their end. 

American Express said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXX 's customer service. I have been trying for a month. 

American Express says it shows I have no credit history or XXXX score so that the issue is with XXXX or XXXX. 

XXXX says that they use the XXXX and no XXXX score so that American Express should not be trying to pull a XXXX. This does not make sense to me because why would American Express not know this and try to pull XXXX  scores from XXXX. XXXX says the issue is with AMEX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Product: Credit reporting or other personal consumer reports

I was informed that my account was verified and accurate after my initial dispute months ago. I reviewed my credit report on XX/XX/XXXX. Even though I requested deletion from Credit Reporting Agencies, my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681 in my opinion was not a reasonable investigation. Specifically, the agencies and companies have reported outdated and inaccurate information on my credit report without my written consent, which violates my federally protected consumer rights in 1681e section b. Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information. Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c. Specifically, outdated information like personal information from 2011 is beyond the permissible reporting period and should not be included in consumer reports. The account in question is old and should not be reported. The following entities, including the major credit reporting agenciesXXXX, Equifax, and XXXX the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing personal information, late payments, closed accounts, collections from XXXX to XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX  XXXX XXXX
Product: Debt collection

I tried to fix my credit report through getting my student loans under control. I got a hold of down solution s they promise to fix my credit for a fee I payed XXXX up front. And after a month nothing happened with my student loans to improve them I then found out down solutions is a scam. I went to fasfa myself got my student loans under control for free. And now they are saying I owe them XXXX for work they never did, because it's a scam. I took care of my student loans for free my self. I also got a email and letter saying if XXXX isn't payed it is going to harm my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX after receiving my credit report I found two accounts on there that I did not apply for. They both are with XXXX XXXX XXXX One account is in the amount of {$2200.00} and opened XX/XX/2020. The second account is with XXXX XXXX XXXXas well was opened on XX/XX/2020 in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I have reached out to XXXX XXXX Incorporated. 
To pay Some out standing debts because they had put leans on my drivers license and i need my license to work. After paying over XXXX dollars toward 3 very specific accounts they applied ALL the money towards 1 single account which resulted in an over payment. I was GARUNTEED the clearance letters for all 3 would be sent to the courts within 48 hours and now we are 2 weeks past that and they have still not applied the remaining funds towards the correct accounts nor have they sent the clearance letters to the courts and they have also sent me NO DOCUMENTATION that i have paid anything at all., I have called literally 23 times, 90 % of the time because i am not calling to simply offer my credit card for more money i am hung up on immediate. Literally i am being hung u on 3-5 time each day until i demand a super visor and told things like i don't have to help you " or you shouldn't get debts '' or we don't care about your license '' after 23 phone calls in the last 3 days they are  essentially holding my Drivers license hostage because the " rep '' that took y payment simply wanted to collect, get the bonus or commission and NOTHING TO FOLLOW UP WITH THE LEGAL and required proscessing of my ayments to the correct accounts or reporting to the courts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the accounts and inquiries listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion report I dispute a collection and it says it was removed but it still shows on my credit report and I have screenshots saying its was removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax displaying a old XXXX XXXX I account information incorrect and account should be remove. Says I 'm 30 days late when account has been closed for years and account was paid as agreed. Also says monthly payment was {$72.00} which is completely inaccurate. My payment was never ever {$72.00} and I never made a payment of {$72.00}, This account has several inaccuracies and should be removed. Equifax refuses to correct or verify account. They also have n't sent me information on verification of account with XXXX XXXX which I asked for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
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 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

XXXX XXXX XXXX are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XX/XX/XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Product: Mortgage

All of this started back in XXXX 2012 because my husband had surgery. We fell behind and we had requested to have our mortgage put into a locked in rate and in the HAMP program. They had us keep sending papers and nothing was ever done. Somewhere in the process our mortgage was sold from XXXX XXXX XXXX to SLS. Somewhere they had claimed we had a modification done. This was n't true, we had a mediation with the court and they were unable to provide us with this. They are trying to add {$100000.00} to our mortgage and want us to sign this for a house that is valued at {$120000.00}. This equals to $ XXXX.This is totally unfair and to me actual robbery in my opinion. How can they ask to add that kind of money to the loan. All we ever wanted was a lower rate. We wanted the rate to be lowered from 10 % to an affordable rate. Then we tried to hired an attorney because they served us papers and that scared us. So we do n't have her anymore. She was clearly taking advantage of us and all we ever wanted was to have the mortgage payment to were we can afford it. They are in the process of foreclosure and all we ever asked was for help.
Product: Credit reporting or other personal consumer reports

Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

XXXX Account number : XXXX Date openedXXXX XXXXXXXX, XXXX Past due amount {$1000.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} DISCOVER BANK Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of urgency regarding late payments that have been inaccurately reported on my credit account under your bureau. 

Upon reviewing my credit report, I have identified instances of late payments that I believe to be inaccurately reported. I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the integrity of my credit history. 

I kindly request that you investigate and, if necessary, correct or remove the reported late payments from my credit report. I believe that these inaccuracies do not reflect my true financial history and are adversely affecting my creditworthiness. 

XXXX XXXX  XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  XXXX. customer service representative. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation.

I am confident that your organization values accuracy and fairness in credit reporting. Therefore, I trust that you will take prompt action to rectify this situation and ensure that my credit report accurately represents my financial responsibility.

I appreciate your attention to this matter and request a written confirmation of the corrections or removal of late payments from my credit report within 15 business days from the date of receipt of this letter.
Product: Payday loan, title loan, personal loan, or advance loan

I have never even had contact with these people ever and this debt was almost 5 years ago. The court papers lie and say they have contacted and talked with me multiple times. They did however speak with someone else about my debt on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have phone records for court. It was XXXX or XXXX different people he spoke to. They even asked him to verify my social and sent mail to his address addressed to me, tried to get him to pay the debt, and tried to have me served at his address. He had his own loan to pay also and we had lived together when applying which is why they spoke with him about it. All while not even knowing who this person is to me. Which according to the Fair Debt Collection Practices Act is completely illegal.
Product: Money transfer, virtual currency, or money service

I have been trying to transfer my mortgage proceeds out of my checking account and into a savings account at a different bank. I was able to transfer roughly 85 % out to this separate account, but have spent the past week trying to get the remainder out. Each time I try to transfer, Chase cancels the transaction and deleted the account from my approved transfer list. Each time I have called chase and they have told me I need to use a wire transfer, which incurs a fee. They have repeatedly told me the only way to get my money out of the account is to pay this fee. 

Ive spent over 2 hours on the phone with them in the last week and they have not been able to tell me what the issue is- they just keep repeating that I need to pay the wire fee.
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX Account # XXXX FIRST XXXX BANK TX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX LL Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX TX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX OF XXXX Account # XXXX XXXX XXXX XXXX BANK Account # XXXX CXXXX 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 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

This is not the first time I have filed a complaint again st Discover Student Loan.  Back on  XX/XX/XX  I submitted a request  (  more like begging ) for help paying my private student. Then on  X/XX/XX  I submitted another request, this time I received an email from the "  Executive Office of Discover Financial  Services '' stating they are still working on my issue and I should hear from them again within 60 days -- - well 60 days have past and I still have not received any contact fro m Discover. Discover ha s no problem calling me about my missed/late payments however no one calls me back to help me ; why is that???? Can someone please help me lower my monthly payments? Can I modify my loan? Can someone please reach out to me?!!
Product: Debt collection

I am periodically receiving harassing telephone calls from MoneyTree. I do not believe that I owe them what they say I owe. According to the FCRA they must verify their information and they have not done so. I am in the process of disputing this information via XXXX, XXXX, and XXXX. I am not interested in discussing any information with them via the telephone. If they are interested in talking with me they must respond to me in writing ONLY!
Product: Credit reporting or other personal consumer reports

Reported on XX/XX/2023. XXXX XXXX posted a closed cell phone account ( XXXX... ) with an unpaid/past due fee {$140.00} on my credit report. Causing my credit score dropped XXXX from XXXX to XXXX. Since I have never bought or used any XXXX products, cell phones, nor have had any accounts with them. I believe this is fraud and needs further investigation. 

I contacted XXXX XXXXthe collection agency who manage the account, proved to them this is an identity theft case. They agreed to help investigate and will provide comprehensive information regarding this case.
Product: Credit card or prepaid card

An online purchase was returned in store and the clerk credited it to the prepaid card from Blackhawk Network ( BHN ). They blocked the card until they received verification of purchase and return. This information was sent over two weeks ago, and they have still not unblocked the card. I have called at least five times and keep getting different excuses ( e.g. we can not open the document ). They have over {$600.00} of my money that I can not access.