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

I was completely shocked when I saw inaccurate accounts on my credit report this morning. I always check it regularly, but this time there were discrepancies that seemed to appear out of nowhere. I even refreshed my browser multiple times, thinking it might just be a technical issue, but the wrong accounts stayed on there. Because of this, Im requesting a thorough review of the documents Ive sent, so I can stop worrying about this happening again.
Product: Debt collection

LVNV Funding, Account # XXXX is reporting fraudulent inaccurate information on my credit report. i have requested that they provided the purchase agreement to show full ownership of such account and also documents so I May review to see if this is actually an account that belongs to me.
Product: Debt collection

AD ASTRA RECOVERY SE ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft.
Product: Mortgage

My mortgage servicer is repeatedly and intentionally ignoring my requests to have my PMI ( private mortgage insurance ) removed. 

I have initiated contact with my mortgage servicer Ditech Mortgage several times since XXXX of 2016 requesting that a home appraisal be ordered to remove the monthly PMI payment. 

I have provided them all of the requested information they have asked for several times which I have documented proof of to remove my PMI. 

Representatives repeatedly tell me that although they have this information on file, my requests are missing information, or outdated. Neither of those statements have been truthful.
Product: Debt collection

the XXXX is contacting my family ( father, siblings and my minor daughter ) about a charged off account that is XXXX years old they tell my family that they are serving papers by way of the sherrif dept on me ( they never do ) and when I call them back they wo n't give me a answer on the amount that i owe and they get rude.
Product: Credit reporting

I am employed in the XXXX business, I see other people 's credit every day, I have been now over 3yrs since chapter XXXX bk and have well established my credit, have paid all accounts on time, a mortgage, a vehicle credit cards and so forth on XXXX the other day, my Equifax score dropped XXXX points!!!. I continue to be turned down for insurance, credit offers, etc, all the time because of my low credit rating, yet I consistently see others that DO NOT have the history or depth of my own and they are over XXXX, a young man the other day came in a year on the job and a collection and with a XXXX credit limit he was over XXXX. The reason I 'm being told my score is low is because of inquiries, yet how do you rebuild or build a credit profile without an inquiry? I have patiently waited and my score has remained low as I stated earlier I continue to be declined for a simple credit card because my score is low. They even refuse to remove a tax lien from XX/XX/2009 that the XXXX has removed on there end, I sent all documentation to Equifax. I feel that I am not being treated fairly and that the system is very flawed, ( I can without a doubt prove it ). I am requesting an investigation into all XXXX OF MY REPORTS THANK YOU XXXX XXXX.
Product: Credit card or prepaid card

I bought 2 {$500.00} vanilla gift card in the XXXX store located on XXXX in XXXX back in XX/XX/2021 and I possess both cards the whole time with no one else knows the card number. However, on the same day I purchased them, there are 3 unauthorized transaction ( totaling of {$740.00} ) happened on the 2 gift cards. I was only able to find out about this fraud 2 days later when I was trying to use the card but the strip on both cards were not working. As a result, I reported this fraud to XXXX gift card as soon as I find out on XX/XX/2021 and received a confirmation email from their dispute department on XX/XX/2021. Vanilla gift card told me that they would have a resolution within 90 business days. I waited for more than 90 days and heard nothing back from them, so I called them to escalate my dispute case. However, their so called 'escalation ' ( and their only way ) to get an update is by sending an email to the dispute department. Moreover, every time I ask for an escalation, they told me to wait for 2 more business days for respond and call back if heard nothing back. I am not sure if they are sending any escalation emails at all. 

In conclusion, I gave them 6 months to resolve my case but they are doing nothing to protect me from the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. XXXX XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX
Product: Credit reporting or other personal consumer reports

complaint ID # XXXX submitted XX/XX/XXXX. Company responded on ; XX/XX/XXXX " The loan was subsequently charged off on XX/XX/XXXX. Notice of this charge-off was provided via email on that same day. At this time, the loan is held by XXXX 's third party collections partner, XXXX ''. After speaking with a representative on, XX/XX/XXXX information was provided that the company, " XXXX  '' has charged off the account and sold the information to XXXX XXXX, as provided within the CFPB response. XXXX XXXX is not Authorized to do business in the " State of Michigan '' or collect on any debt in Michigan. The company " XXXX '' has charged off the account as indicated in the above, but disregards that a " Charge OFF '' is a " certificate of Indebetness '' therefore it is income and income can not be reported to a consumer report. XXXX has subsequently avoided these acts, knowing all the above and have not reported the accuracy of the accounts being reported to Experian, under ; 15 U.S code 1681. Experian is in violation of several 15 U.S code 1681 and has verified this information being inaccurately reported. Requesting Compensation and removal of income being reported to my consumer report, per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not following the credit reporting rules that they expect everyone else to follow. THey ar not responding to requests or asking me for additional information to confirm my identity when I send them a copy of my license and SS card
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Credit Inquires from my report immediately. 


1. XXXX XXXX XX/XX/2017 .. 2XXXX XXXX XXXXXX/XX/2017 3, XXXX XXXX XXXX XXXX  XX/XX/2017 ..
4 XXXX XX/XX/2017 3., 5. XXXX XXXX XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a FTC report in XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my TRANSUNION, XXXX AND XXXX Credit reports. In XX/XX/XXXX TRANSUNION AND XXXX added A Fraudulent account with XXXX/ DEPT OF ED FOR THE AMOUNT OF {$71000.00} This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I ordered what I thought was from XXXX off of social media. When I received the receipt from PaPal I instantly contacted them telling them that I thought it was a scam and disputed the transaction. They denied my dispute and did not bother giving me an explanation. On XX/XX/XXXX, I received an update that the item I ordered was shipped. A few days before that email notification from PayPal, I received a small envelope with the same tracking number. It was a small self-adhesive hook. It was not what I ordered. I have tried to contact Paypal and have had no response other than to tell me that the case was closed. I used PayPal because they say they have " customer protection and help in cases like these. This is false PayPal does not help it this matter or even bother reaching out with anything other than an automated response.
Product: Vehicle loan or lease

Hello XXXX-I Am currently in a 72/58Mo Remaining, AUTO FINANCE LOAN with BMW FINANCIAL, N.A XXXX XXXX XX/XX/XXXX, XXXX Applied XXXX ( 6Mo ahead ), to the existing Loan. I Conducted a followup, and discovered a payment of XXXX was missing, and my wrong balance indicated XXXX Contacted " BMW Fin '', CSR, and was informed, and assured.. '' Not to Worry the payment is being applied to XXXX '' .Recently, On XXXX, XXXX Performed another followup, and my balance was wrongful decrease again-reflecting XXXX wrong extra payment has been pushed along, In upcoming XXXX ( Should reflect, XXXX Payments-NOV, XXXX, XXXX a XXXX ). 
According to the current balance Now in XXXX wrongfully XXXX ( Actually-four payments has been absorbed ). 
Apparently, as of present " BMW FINANCIAL '', Insist on manipulating this LOAN, To their unwarranted unorthodox advantage..And, I Am not going to stand for this prolonged Misuse, and blatant ripoff by BMW FINANCIAL Pertaining to this USED AUTO LOAN.
Product: Credit card

Chase Bank insisted that I got an emailed statement for payment due on my XXXX bill, but I did not. I only got an email notification that my bill would be due in 10 days. 
I double checked my " preferences '' on the Chase website and I had not opted out of receiving my statement via email, so there is no chance the statement got lost in " snail mail ''. 
I closed my account which will affect my credit score because I do not believe they were being honest with me in regard to the emailed statement. 
I do n't think my credit score should be affected because I do n't trust a company to produce proper documents so I can pay my bill on time. 
I use a web browser that allows me to go back in time EVEN IF I had inadvertently put an email in the trash. There is no indication that that happened.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Kirshenbaum & Phillips LLC has a long history of credit card collection maleficence and abuse of the legal system. They failed to serve me a suit with the Index number in XXXX XXXX, NY of XXXX. Their process server filed a perjured Affidavit of Service on a date I was out of state during recovery post XXXX XXXX XXXX. Additionally, the server 's description of the servee was fictional. Kirschenbaum & Phillips was informed of this fact and followed up with a revised perjured Affidavit of Service that was attached to a picture of a house that is not mine, updated with a description of said recipient only after I appeared in court and used accordingly. Their revised Affidavit of Service documented their use of perjury to confirm service. It included a picture of a building that is not my house, as well as a cell phone picture was taken of me with an illegible piece of paper taken MONTHS AFTER their initiation of a case and not on the date and time they claim I was served. The Affidavit of Service CLEARLY states the date of service as well as the time of XXXX  XXXX. The photo that was shot MONTHS LATER, clearly shows the time shot as " XXXX XXXXXXXX, '' so it is quite obviously not the date and time that is stated in the Affidavit of Service.

Additionally, Kirshenbaum and Phillips have ignored filed discovery requests including supplying copies of bank statements that cover the time period of the amounts they claimed are owed to XXXX XXXX I had to appear in court to answer this action at times I was in the middle of an XXXX daily session of XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. 
Kirschenbaum and Phillips ignoring discovery is a willful attempt to keep me from validating the amount they claim is owed to XXXX XXXX I have knowledge and documentation of refunds owed to me by XXXX XXXX as well as documentation of {$1200.00} of funds transfers that did not arrive at the directed bank and were not credited back to my XXXX XXXX checking account.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX  ACCOUNT # XXXX HAS VIOLATED MY XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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: Credit reporting or other personal consumer reports

Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. XXXX reported the date opened as XX/XX/XXXX. XXXX and Equifax reported the date as XX/XX/XXXX as the date opened. 
The date last reported was different as well. XXXX and XXXX reported the date last reported as XXXX Equifax reported the date last reported was XX/XX/XXXX. 
Lastly, the date last active was different as well. XXXX reported the date last active as XX/XX/XXXX. XXXX reported the date last active as XX/XX/XXXX. Equifax reported the date last active as XX/XX/XXXX. 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report.

I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( Pub. XXXX XXXX XXXX ( United States ) XXXX, XXXX XXXX. XXXX, enacted XX/XX/XXXX, XXXX XXXX. XXXX ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections
Product: Credit card

Hi my name is XXXX,and I have several store credit card through Synchrony Bank; however I have card XXXX on all of my credit cards; so I am XXXX, with XXXX,and I submitted a claim to synchrony bank/ card security and I was told that I was not Eligible due to not having an Eligible doctor; My doctor; XXXX was terminated from his office, due to drinking on the job, however my doctor had already completed my XXXX forms before he was terminated, and I have tried to reach out to him, but he is unavailable due to being terminated.I always pay my insurance on all of my credit cards through synchrony bank, however my XXXX, and has been for awhile, I was diagnosed with XXXX,and had XXXX last month; it's very hard already for me to maintain daily, but I just don't feel that it is fair to pay for insurance and can't use it because my doctor was terminated.I am now awaiting the transfer of my medicine records from XXXX office, to obtain a new physician, but it will take time to get set up under a new doctor care, meanwhile my bills are continuing adding up, with buying XXXX and gas it's very expensive
Product: Debt collection

NCA Last reported XX/XX/2021 {$0.00} Reported balance Original balance {$630.00} The above account is not my account please remove from my credit profile. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX XXXX XXXX  XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.
Product: Mortgage

On XX/XX/year>, I tried to check my rates for a home equity loan through a mailer I received from Discover Home Loans. On their website I was asked to enter my information for a " pre-approval ''. I entered my information and clicked the consent for them to obtain a copy of my credit report, and then was presented with my rates and loan options. Shortly after, I was alerted that there had been a hard inquiry on my credit report by Discover. 

I have checked my rates and loan options and have gotten numerous " pre-approved '' offers for credit/loans. No other company has needed to make a hard inquiry to show me my loan options and rates, even when they have asked, and I've consented for them to obtain a copy of my credit report. They have all been soft inquiries. 

Discover is the only company that for a pre approval has pulled a hard inquiry ... before any other portion of the application has been submitted. 

Discover failed to make it clear that I was consenting to a hard inquiry. I think at best this is negligence on their part, and at worst is a deceptive business practice to pin people into continuing with an application. 

All I want is for the inquiry to be pulled from my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to bring a concerning matter to your attention regarding the living conditions in my current housing facility. I am currently enrolled at XXXX XXXX and require a suitable environment to study and live in order to ensure the successful pursuit of my academic goals. 

I regret to inform you that I have been facing severe mistreatment, theft, and verbal abuse from certain residents in my housing unit. Specifically, XXXX residents named XXXX XXXX and XXXX XXXX have been unlawfully tampering with mail, stealing personal belongings, and subjecting me to constant verbal abuse. These repeated incidents have created an unsafe and unsettling atmosphere within the housing facility. 

As a dedicated student, it is essential for me to have a peaceful and clean living environment where I can focus on my studies without constant disturbances or fear. The mistreatment, theft, and verbal abuse I have experienced have not only disrupted my daily routine but have also affected my mental well-being, hindering my academic performance. 

I kindly request your prompt intervention in addressing this matter and facilitating a transfer to an alternate housing facility where I can feel safe, secure, and able to concentrate on my studies. I believe that as a responsible authority committed to upholding justice and ensuring the well-being of individuals under your supervision, you will take necessary action to rectify this unfortunate situation.