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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX - account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have been denied opening bank accounts due to inaccurate reporting from XXXX XXXX via Chexsystems. Upon reaching out to XXXX XXXX I was ad ised they had no reporting on their end showing the derogatory remark and to re submit a dispute with Chexsystems so this remark can be removed. I received the updated report with no adjustment or revision of the derogatory comments. I reached back out to XXXX XXXX and after being routed to 5 different departments who were unable to verify this derogatory remark I became more concerned to how Chexsytems was able to receive such reporting and I, as the consumer who is affected by the reporting, has been told they can not find the information. My concerns are whether or not chexsystems is in fact reporting correct information.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative item ( XXXX  XXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove the disputed item from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
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 XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. State 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

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX This act states that I have a right to privacy and that a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

I attempted to log into my Experian account on XX/XX/year>. The website reported that my credentials were incorrect. I tried the " reset my password option '' and it stated that it sent an email ( and displayed the first 2 letters of said email ) to the email of record. Two factor authentication texts it claims it sent to the number on record did not arrive to my phone. The letters of the email displayed is not my account. I strongly believe someone was able to execute a full account take-over. I attempted to call Experian but it is impossible to get any actual person on the phone. Their automated service attempted to resolve my issue by resetting my password, again, to the email on record ( which again, is not my email ) and then hangs up. 

It is impossible to talk to a human to help with any issue. 

I called their fraud department and got transferred to the same automated service. There is seemingly no way to get a person on the phone in the event of fraud.
Product: Debt collection

He calls me at the morning XXXX in the morning he tells me that I 'm worthless what kind of drugs am i smoking and I have no dignity for myself that I 'm worth nothing and he wants to leave these on my voicemail so I have proof and the company 's name and XXXX XXXX and the guys name is 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$7800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

The caller XXXX from National Credit Solutions called my place of employment. I asked to remove the number and not to call my workplace and they threaten to call back again and then requested to speak to my supervisor. The gentleman was very nasty, rude and disrespectful when speaking to me over the phone. I simply asked not to call my work place and he continued to say that he was calling back again and threaten to speak to my supervisor. The number I was called from was XXXX
Product: Credit reporting

I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX.
Product: Debt collection

XXXX XXXX XXXX says I opened some account XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$1300.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1300.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX C XX/XX/XXXX C XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no clue I have no personal loans I have no student loans.
Product: Student loan

In reviewing my XXXX consolidated Loans that were taken over by Navient, I noticed that the loans stated that they were consolidated for 30 year extension. I found this hard to believe that I would agree to consolidate for this amount of time, and wanted Navient to prove this. Also, all my other loans migrated were extended to only 10-20 years ( which made more sense ). When I asked Navient to review and confirm that this information is correct, they advised that they needed to pull the migrated records from the old loan provider from their archive system. After the call, it has been over 3 weeks, and nothing has been received from Navient. I called XXXX XXXX to ask what is going on, and they said that I will need to do the investigation myself, as they do not have records in their archive. 

I am extremely worried that they have applied bad terms to the repayment of my consolidated loans. I am not sure what to do to have this properly investigated, and if it is found to be wrong, what to do to get this fixed. 

Navient have just proven themselves to be a company that is willing to scam their customers, and when asked to investigate, they are ignoring the issue. 

I want to pay back my loans, but not through fraudulent activity such as this may be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and tXXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Mortgage

SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX, a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request.
Product: Credit card

Regarding the transaction from the Merchant : XXXX XXXX XXXX XXXX the Amount : {$1500.00}, I attest that neither I nor anyone authorized by me has signed for or received the package. I have searched in and around my house for the item. I still to this day have not retrieved the package. I have contacted roommates and neighbors near my home. They also said they had not received the specific item. I have communicated with the merchant through email/webchat for 2 days : XX/XX/year> and XX/XX/year>. I have communicated with a customer service agent from XXXX XXXX in regards to not receiving the item. They said they delivered the item, but have not provided photo proof of the delivery. I have documentation of the communication between me and the merchant regarding potentially receiving the refund for the missing merchandise. The merchant has not provided the refund. I disputed the transaction above because I did not receive the item. The item was supposed to be used as a XXXX Gift for a relative. Because of this situation, I didnt have the item to give as a XXXX gift. I filed a dispute with citibank for '' item not received ''. Unfortunately, citibank did not side in my favor and debited me for the transaction of {$1500.00}. I would like to continue this dispute. I would like for the Consumer Financial Protection Bureau to help me in my situation with citibank. I hope that Citibank maintains assistance in my situation by re-crediting me for the misdelivered merchandise from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my credit report attached is documentation
Product: Payday loan, title loan, or personal loan

I purchased two kids bedroom sets on XX/XX/2021. Each set included several pieces that were discussed prior to the financing. After pickup of the bedroom sets I became aware that I did not get all the pieces in either set. I have attempted to get the store I purchased them from to correct the issue but have yet to resolve the issue. I currently have an outstanding finance charge for two incomplete bedroom 's sets. If I would have known that I was not getting all the pieces to these set I would have not gotten them. I've been told I am stuck with these bedroom sets and I have no clue what to do with two incomplete bedroom set that I now have to pay for. I also cancelled the delivery which a {$160.00} was suppose to be refunded to me. I have yet to be able to get this refund from Conn 's as of XX/XX/2021. I have been to the my local store which is XXXX SC now twice and have been denied my refund due to no cash in store. This seem very unreasonable and needs to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX  VA XXXX   XXXX  dob XX/XX/XXXXBy law all inquires over

two years old must be removed my credit report. Transunion will not removed the following inquired from my credit report that are over two ye
ars old.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX  ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX
Product: Mortgage

On XX/XX/2021 i went to XXXX plus located in XXXX XXXX alabama and meet with a lady name XXXX XXXX XXXX who i was introduced to by XXXX XXXX XXXX who is license to do application loans for the public she own Acopia Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama. On XX/XX/2021 i signed and XXXX XXXX agreement for a home loacated at XXXX XXXX XXXX XXXX loacted in XXXX. alabama XXXX I put down Earnest money to secure the property! the sell was to close and deed delivered on XX/XX/2021! I recieved approval for the loan from acopia home loan XXXX XXXX with condtions of providing documents such as unnecessary things and a gift letter for closing! on i signed loans papers with acopia home loans XX/XX/2021. I never made it to XXXX XXXX in XXXX XXXX for closing but they told me it had already closed! XXXX i did my investagtion and found the loan at XXXX serving where they sold the loan to XXXX XXXX! I have emails and documents to prove what in saying XXXX XXXX at XXXX XXXX told me that if i never got approve it wont never made to the pipe line! I really think acopia homes is doing fruad! I was adviced by exchanged bank what just happen was fruad and they hope i get it solved when i went to cash the escrow check that XXXX XXXX wrote me! I would like help on solving this XXXX XXXX XXXX case and the property that XXXX mortgage said i lawfully own and i was protected by the federal gouvernment
Product: Credit card or prepaid card

my card was lost and stolen me nor my authorized user ever been to XXXX where the card and hotel was used, we never been to XXXX XXXX since we have a XXXX and a XXXX   XXXX where we would never service XXXX cars they go to the dealers, this bank made lying slanderous remarks saying another family member used my card, there is no XXXX XXXX at this address i dont know a XXXX XXXX only people live in my house is XXXX XXXX , mom, XXXX XXXX , brother, XXXX XXXX sister and me that's it no one lives her she lied in her denial letter, THIS IS ILLEGAL she is clearly violating my rights under the FCBA she is saying this is a family or friend and i never MET or know anyone names XXXX XXXX , they clearly lied about the name to pretend it was me where XXXX XXXX and XXXX is not an XXXX   name also a police report was filed with XXXX pd and ic3.gov report XXXX pd number XXXX phone number XXXX, she clearly didn't investigate she then claimed the signatures match and THEY DON'T these are not our signatures.
Product: Debt collection

Disputed with the company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 per certified mail. It is now XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

XXXX XXXX XXXX XXXX Bal XXXX Lateness - XXXX During whole period I had only one late payment ( very old ) which I paid off and I now have years of good standing credit with your company, with the exception of those few late payments. Those few late payments are extremely damaging to me in a lot of ways, mainly they are damaging my chances of receiving a promotion at work. 

I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just those few exceptions and I ask for you to please eliminate those late payments with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 

I am pleading with you to honor my request, which would mean so much. I desperately need to get this promotion, which would obviously come with a pay raise, in order to continue to support my family. Please take into consideration what a good customer I have been. 

Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX this was not my debt and was on my XXXX  credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account XXXX
Product: Debt collection

I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 
1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 
2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. 
I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX  XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. 
PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.