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

on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my XXXX XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX Account name- XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer I have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

They have wrong address states. That i suppose lived in which is incorrect
Product: Vehicle loan or lease

I previously filled a complaint. My complaint ID was XXXX. You closed my complaint after BOA answered but I have concerns with their response. I provided those questions in the feedback area but want to know if I need to start a new complaint to get my questions/concerns addressed. My questions are : 1.on XX/XX/XXXX I paid my {$510.00} regular payment and {$150.00} to principal. BOA applied {$610.00}. As my regular payment and {$50.00} to principal meaning you took interest on {$100.00} you should not have, correct? 

2. The interest charged by BOA went down steadily as the loan balance decreased, except for the months of XX/XX/XXXX and XX/XX/XXXX when the interest was higher. Why was the interest higher these months and not in line with the decreasing interest charged all other months 3. XXXX loan amt XXXX interest charged by BOA - XXXX XXXX total payments I made - XXXX XXXX paid to BOA by XXXX XXXX XXXX XXXX BOA paid me - XXXX. Why dont you owe me this?
Product: Credit card or prepaid card

American Express serve has locked my account with my COVID related stimulus on the card. The only way to reset the card is with customer service through a toll free number. I have called over 20 times and have waited on hold for a cumulative 6 hours with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter sent to Equifax requesting CRA to correct my name and remove all incorrect addresses from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!
Product: Checking or savings account

A person with phone service at XXXX XXXX or another phone provider who is not related to me or affiliated with me is trying to steal from my beneficiary account at XXXX XXXX and PNC Bank. I believe that they are hoarding my money in other banks. My phone numbers are XXXX XXXX and XXXX.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Monarch Recovery Management , Inc I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and
Product: Mortgage

I currently have an open Conventional first mortgage account with Wells Fargo, however they are reporting the account as paid and closed as of 2013. I am a co-signor on the note and show on the monthly mortgage statements. I have tried to dispute with the credit bureaus and Wells Fargo, but they continue to report the account closed. I would like the account to reflect accurately as open with a current balance and positive payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reporting old private student loan information to the XXXX major bureaus : XXXX, Experian, and XXXX. Being contacted by a scam collection company known as XXXX XXXX XXXX ( who has been fined XXXX XXXX $ in 2017 for deceptive practices and also by the State of New York Attorney General ). 

Original Creditor : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX credit entries from XXXX XXXX and XXXX. Last payment recorded was XX/XX/2017. Yet, no payment has ever been made. 

Between XXXX XXXX and XXXX XXXX, they have both given the credit bureaus false and misleading information, including falsified dates to ensure the account is reaged. 

Ive not personally contacted 3rd party XXXX due to their many complaints, lawsuits against them, and CFPB fines. It would be useless to speak to an entity that is known for illegal activity. 

All XXXX bureaus state they are investigating this and will take 30 days to complete their work. Yet, they allowed this erroneous and incomplete information to be put on my credit reports which has resulted in negative results to credit score. They are at-fault, just as both XXXX XXXX and its 3rd party collection agency. 

Im not a victim of identity theft, but I am a victims of fraudulent practices of the creditors, collectors, and the XXXX major reporting agencies. 

I understand there is a process for disputing entries, but this is something that needs to be addressed immediately because of the fraudulent activity being committed against me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( XXXX ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud XXXX has continued to very to Equifax and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XX/XX/XXXX. And XXXX record shows {$0.00}. balance. 
Report XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account XXXX Account type Education Responsibility Individual Date XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as XXXX XXXX XXXX XXXXXXXX XXXX details XXXX XXXX  paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education
Product: Debt collection

Notice of Dispute and Cease Communication Request Pursuant to 15 U.S.C. 1692** I am writing to formally notify you that I dispute the debt referenced in your communication to me dated XX/XX/XXXX, XXXXCommunication, which you claim I owe to XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that you provide validation of this debt in writing.

Furthermore, in accordance with 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me regarding this matter, except to provide written confirmation of the debts validation or to notify me of specific legal action, should you choose to take any. 
Please be advised that any further contact outside of these exceptions will be considered a violation of the FDCPA and I will pursue all available legal remedies. 
Thank you for your prompt attention to this matter. I expect your written response and validation of the debt within the required time frame. 
Sincerely, XXXX XXXX
Product: Mortgage

I filed a complaint previously about this new lender and their inconsistencies with my loan since it was transferred to them. They replied to that CFPB complaint and said that I didn't need insurance escrowed. After getting their response letter I did further investigation and was told my my HOA that I am not covered under the condo or master policy as stated by my lender and that since I am considered HOA ( there are condos within my neighborhood ; however I am not one of them ) I needed to purchase my own insurance. I left it alone and decided to pursue insurance on my own. 
Fast forward to today and I show a debit for XXXX on my account. I called customer service and was told that this company re-added the insurance back to my account and are now saying that I need the insurance. Why is the payment XXXX and not what I had previously paid when the loan originated? XXXX was the company I selected for my home insurance policy but the lender says they have no clue of this. Why? I need this corrected and for my payments to reflect consistently with what I had agreed to when i closed on the loan XX/XX/XXXX. I need this lender to show me what I agreed to and explain any differences in payments as well as explain why they are sending the payment to homesite and not XXXX since I am considered HOA. I need to understand why they have now changed their mind yet again and started taking out the money that they refunded to me per my previous complaint with CPFb, XXXX.
Product: Prepaid card

Here is a brief description that I sent to their support, who literally is just laughing in the chats, " This transaction was incorrectly executed in accordance with section XIII ( 1 ) of Cash App 's terms of service, and I have notified you guys of such every day since it was noticed as being in error. That is a breach of your own terms, and so here it is in writing. I have notified you guys, Cash App Support, of an error made by your processing system in the amount of a pending charge for {$170.00} at XXXX in XXXX XXXX, TX on Thursday,XX/XX/2024. On Friday,XX/XX/2024, this pending charge was updated to reflect the payment made as {$10.00}, yet the pending charge remained in error. I wrote Cash App Support promptly, and received XXXX assistance in remedying the issue other than to call the merchant, that is, XXXX. Today, Monday XX/XX/2024, I contacted XXXX and was informed that they indeed released the pending charge upon finalization on XX/XX/XXXX. And that their system doesn't even show a hold anymore. This of course leads us here in the present where I have confirmed to Cash App support that this was in fact an error that needed to be rectified, and instead of saying anything like " sure we'll look at it again! ", I receive " Read above '' and " You're welcome to read previous messages ''. Instead of taking ownership, you have decided to double down on your absolutely horrendous customer service policies, and I am going to now take action. Thank you, have a great day. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account XXXX : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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.

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to XXXX & Transunion on XX/XX/2023 to Investigate every piece of information on the accounts I have listed below.Also I have attached the letters I sent out and the tracking numbers as well for those letters According to the FRCA The term " invertigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. these accounts are inaccurate and according to the FRCA 15 USC 1681 everthing has to be 100 % Accurate. 

XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX Transunions letter Tracking Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX Recovery/ XXXX and XXXX and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX RecoveryXXXX has XXXX a XXXX. Its discrimination
Product: Student loan

My federal loan is serviced by the XXXX XXXX XXXX XXXX XXXX through a website they run called myfedloan.org. In the past I've often used the Payment History feature to track how much of my payment was going to the principle on my loan versus interest. Recently I noticed that the Payment History feature has been removed from the website and there is no way to view the payments I've made. When I called customer service to ask about this, the representative informed me that the feature has been removed from the site and that he didn't know why. He told me all payment history requests have to be done manually now, by sending me a statement in the mail in 7-10 business days. This is highly opaque and predatory behavior on behalf of a state agency tasked to not only collect payments but also to support student loan holders with resources and information in their odyssey to be debt-free. This policy makes it onerous to view payment details and I can not believe it's legal for any financial institution to do this. As it is now, I will continue to call in and request a mailed payment history every time I make a payment, which is a complete waste of the government dollars used to fund this agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were fraudulently opened using my personal information. 
Fraudulent Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Additionally, I request that all inquiries related to these fraudulent accounts be blocked and deleted. Below are the inquiries associated with the fraudulent accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an XXXX loan with XXXX XXXX  I am grrr They keep reporting a loan that is not mine!
Product: Payday loan, title loan, or personal loan

I was not aware of interest before agreed to loan. I have paid XXXX for a XXXX. I still owe almost XXXX