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

Transunion, XXXX, XXXX You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents
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 15 USC 1681. 

XXXX XXXX  XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd request, and as per credit bureau my documents weren't received, I am resending my FTC and identification
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I wrote to XXXX  and Equifax credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but Equifax and XXXX  do not have any numbers or addresses listed on their credit report so i can contact them. XXXX  and Equifax are reporting inaccurate information.
Product: Credit card or prepaid card

Someone opened up a Citibank account in my name and Citibank is not trying to close out Ive been to the FTC are ready I keep this beauty made and they are not trying to remove it
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have an " ID SECURITY ALERT '' placed on my Experian report as I have been a victim of Identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. 
I even notified you on my personal statement in my credit " 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 VERIFYING THE IDENTITY OF THE APPLICANT. '' And yet you ignore my dispute of fraudulent items appearing on my credit report, this is a blatant violation of my rights as a consumer. I filed an FTC report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting or other personal consumer reports

I have disputed LexisNexis several times on why my report has incorrect information. Currently the bankruptcy record that LexisNexis keeps reporting is that I did not have legal representation on page 64 of the LexisNexis report where it says " Petitioner Represented by Attorney '' it says " NO '' which is incorrect. My Attorney is XXXX XXXX XXXX XXXX. which is also populated on the LexisNexis report on page 63. 

The LexisNexis report also shows that XXXX XXXX XXXX as the provider of the record on page 63 under Section 8 under Bankruptcy Records, Record XXXX : XXXX XXXX XXXX XXXX. As per my evidence I attached, neither XXXX XXXX XXXX XXXX or the XXXX XXXX XXXXXXXX XXXX provided/gave in any fashion LexisNexis the Bankruptcy information. LexisNexis keep saying that XXXX provided them with the information but the record shows XXXX XXXX XXXX XXXX which is incorrect. I even reached out to XXXX and they also responded that via email that they didn't provide any information to LexisNexis but LexisNexis keeps blanently keeps reporting incorrect data while lying about where the data is coming from. XXXX XXXX XXXX XXXX is not XXXX  and XXXX  is not XXXX XXXX XXXX XXXX, therefore LexisNexis is knowly reporting false and incorrect information. 

Under 15 U.S. Code 1681e ( B ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverified information ( A ) in general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be in accurate or incomplete, can not be verified, the consumer reporting agency shall - ( i ) properly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) properly, notify the furniture of the information that the information has been modified, or deleted from the file of the consumer.
Product: Mortgage

Me and my wife have been fighting Owen lending services for 8 months. It started when they raised our payment XXXX XXXX dollars a month. My wife called them they said that was are payment and they would have research it so that went on for six months we made the payment then all of a sudden are payment is back to normal. Just recently we get a call stating that we are late when we have made all payments in the full amount and on time. I need help dealing with these people! I have online there is so many people complaining about the same things with this company I can not believe they are still allowed to do business in this state. I hope you can help us
Product: Mortgage

My mortgage company BBVA made an unauthorized payment from my escrow account of {$1200.00}. They stated this was payment for XXXX XXXX XXXX   charge however we do not use city of XXXX XXXX. We use a private sanitation service. Although we have called them previously to apprise them of this fact ( Ref #  XXXX ), and they assured us they would not make this payment, they ultimately disbursed this money on XX/XX/2018. There is no bill supporting this charge and despite repeated calls there has been no action on the part of BBVA. Most importantly, no sanitation bill exists from City of XXXX for this amount ( or any amount since we do not use city sanitation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I contacted Federal Student Aid and logged a complaint that my XXXX loan has been forgiven through borrower defense however it is still showing a full balance on my credit report. Additionally, my account was never transferred from XXXX XXXX XXXX to XXXX and I wanted to know about the finalization of my loan being forgiven and if applicable, any refunds that I am to receive. 
On XX/XX/, I received a reply from a representative of XXXX, XXXX XXXX, that my request is being reviewed. I was informed to allow up to 30 days for it to be reviewed and if I have not received notification of review after 20 business days that I may check the status by replying to the e-mail. 
On XXXX I have not received any updates from XXXX in regards to my account and contacted XXXX via the e-mail originally sent to me as requested to inquire about my credit report, refunds, and account. 
On XXXX I reached out again after not receiving a reply from XXXX. I informed XXXX that I have passed the 30 day period within the guidelines of Reg V for the fair credit reporting act and would like to at least know an update on my credit report since I believe XXXX has violated Reg V guidelines. 

I am still waiting for a reply from XXXX and therefore reaching out to CFPB for help.
Product: Credit reporting

I have informed Trans Union of my case of Identity Fraud. It is your companies responsible to publish accurate information. I understand that i have to contract each company I have done so. Now I am Demanding Trans Union to follow the FCRA and publish accurate information.If I am informing your company of the issue of Identity Fraud it is your responsible to investigate the Furnished information. Inquires remain on your credit if I authorize the company or employer to view my credit with my consent in this case I DID NOT AUTHORIZE THE COMPANIES LISTED.I will be seeking advise from my ATTORNEY GENERAL. On this matter if its not resolved XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX and XX/XX/2020 on my Equifax, XXXX and XXXX credit reports, in which is adversely affecting my credit score and homebuying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with XXXX, XXXX, and TransUnion while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

On XXXX, XXXX, 2020 my bill did not go through BANK OF AMERICA - account with 2 missed payments. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

Due to the recent CFPB enforcement action filed against EQUIFAX on XX/XX/year>, EQUIFAX did not conduct an investigation as they are required By the FCRA Law.

I will explicitly say that I did not accept the findings of the furnishers or CRA 's Who did not provide thorough results of their investigation, at the time of my disputing a XXXX XXXX hard inquiry, that was inaccurately reported due to fraud and identity theft. I requested that EQUIFAX provide to me in exact detail the results of their sham investigation via USPS mail and Not through their online portal. 

EQUIFAX illegally parked the unauthorized, inaccurate XXXX XXXX hard inquiry on my credit report, which compromised my personal information, This CFPB complaint has Been filed to request monetary relief pursuant to FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) that the EQUIFAX Credit reporting agency , did not block information appearing on my consumer credit report within 4 business days of receiving my complaint. This inaccurate unauthorized fraudulent account wells fargo hard inquiry was previously disputed, & EQUIFAX did not delete this until just recently. Their willful not compliance and other fcra violations cause me great harm and damage and is the Result of fraud and identity theft. 
1. ) Identity Theft. 
XXXX XXXX XXXX Inquiry Number : no account # was reported.

I am seeking damages for monetary relief from Equifax.

Failure to respond satisfactorily will result in legal action against your Agency.
Product: Debt collection

I, the original creditor and consumer received a disrespectful debt collection letter from Nationwide Credit , Inc attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc is a debt collection company. With that being said, Nationwide Credit , Inc are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , Inc violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Product: Debt collection

I canceled a gym membership with XXXX XXXX in XX/XX/2020. 

I in writing in an email told them in that I wished to cancel my membership, and received confirmation on XX/XX/XXXX and they continue to harass me and bill me monthly and send me threatening texts and emails. 
I had been overcharged in XXXX, and they continued to collect gym membership fees even during months when due to covid they were closed entirely. They continue to try to do so to this day, now stating that I am {$60.00} past due for membership fees owed for the last three months. I even told them to stop contacting me and again they keep texting and emailing me. I told them both in texts and email to stop contacting and harassing me.
Product: Checking or savings account

Hi on XX/XX/XXXX i filed a dispute for duplicate charges with bank of america. On XX/XX/XXXX my account was locked pending closure. I called bank of america why was my account its being closed and i was told it was a business decision. Asked them when will i get my money that i have on the account and was told that it will be around XX/XX/XXXX, that is 2 months from now they said because of the pending dispute i can not withdraw my money. I asked what they need me to do so i can withdraw my money they did not give me any answer. I have Bills to pay and my rent is due soon. Bank of america is holding my money because i have a pending dispute. And this was done on purpose, because my account was closed a day after i filed the dispute. And this could be a violation of Reg E of transfer act
Product: Credit card

I lost my Bank of America credit card ( Credit Card 1 ). I immediately cancelled it and requested a new one be shipped. Credit Card 2 was shipped and was stolen while in process through XXXX. I never received it and instead received multiple fraudulent charges on my account totaling to {$240.00}. I cancelled this card and submitted a fraud claim, and received Credit Card 3 in the mail a week later. However, Bank of America denied the fraud claim, and when I called to ask why, the representative said it was because I had made a payment on Credit Card 3, proving I was in possession of it, although the fraud claim had been made to Credit Card 2, which I never received. I suspect this denial was made by AI, but even if it was a result of human carelessness, I am now responsible for the payment of {$240.00} which I did not authorize.
Product: Mortgage

Seline Financial was requesting increasing escrow funds due to increased taxes, and insurance, they were asking for a full escrow funds to be double as it was last year in order to maintain the same amount of our monthly payment. XXXX sent them the escrow funds but they still increase the monthly payment from {$1600.00} to {$1700.00}. They put the escrow funds we sent in to a suspense account, do n't know the reason for and on top of that they asking for flood insurance which we already paid for in full until XX/XX/2017. 
I called them several times, always excuses that they will review the account and call me back, as of today they have not contacted me. My XX/XX/XXXX payment is due XX/XX/XXXX and still showing the new increase amount. 
Attached is the escrow paid funds, new requested payments, and an statement on this account. 
Thank you for helping me. 
HF.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and removed : XXXX XXXX {$0.00} XXXX update to never late XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX Remove inquiry
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXX way XXXX, KY XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Equifax XXXX This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX VIA DEALER XX/XX/XXXX XXXX. XXXX XXXX BANK XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from Experian and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with XXXX for the purpose of filing a complaint with your agency.
Product: Checking or savings account

On  XXXX / XXXX /2017 I received A check From A   XXXX   XXXX   Job I Applied For Off Offline, With The Check Was Specific instructions Too Deposit The Check Into My Account & Proceed To   XXXX   XXXX    To Complete The Assignment My Pay Was   XXXX   Dollars & With The Rest I was Suppose To Complete A   XXXX   XXXX   Assignment On The Company   XXXX   XXXX   ... I called Capital One After I deposited It, To Check On it & I was Told My Account Would Be Closed Because The Check was a scam I Pleaded My Case I honestly Thought It was A Legit   XXXX   XXXX   Job I had No Idea The Check Came  XXXX  Priority I 'm So Afraid I Didnt Know The Check or company Was part of a Scam I never Would Have deposited It Into My Account I Never Gave The Company Any Of My Bank Account Information I only Applied With My basic Info Which I explained That To The Agent From Capital One I was Talked To Very Rude & Treated Like A Criminal
Product: Bank account or service

I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. 
There was not money left in the account because they charged a inactivity fee. 
I was never notified of this and they could not produce any evidence that they tried to contact me.
Product: Student loan

I have not even been able to begin to pay my loans back due to financial hardship & even when I address these issues with the company, they refuse to assist me, continue to tack on more and more interest, and raise my amounts to much higher than I would be able to pay back. I would literally have to spend the rest of my life paying them and then the debt would probably fall on my children. There is no reason why I should have to be punished for wanting a higher education to improve my chances in the workforce to have this company demand exuberant amounts of money that I ca n't even afford. I should n't have to choose between taking care of my home and student loans.
Product: Checking or savings account

On XXXX XXXX i was sent a letter stating that " After careful consideration, we decided to close your accounts because of unexpected activity on this or another chase account '' I haven't used my account in any way thats unordinary. Ive been banking with chase now for over 13 years and they closed all my debit accounts, including accounts where i am just an authorized user and not the account holder.