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

Comenitycapital/XXXX  is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. Comenitycapital/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. 

I have disputed this inquiry CFPB Complaint number XXXX-XXXX  on XX/XX/18 and did receive a response from Comenity Capital Bank. The response which is also attached advised " If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. '' I have followed the proper chain of command verified my information with their customer service representative to no avail. The representative advised that he would be sending me a letter in the mail, I have yet to receive. 

This is a fraudulent inquiry, I did not and do not need any business for XXXX XXXX XXXX. I have no idea who or what company this is?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found several late payments from XXXX XXXX XXXX with account # XXXX, I have never late, Experian have the right to report accuracy these late payments is incorrect and I demand Experian to update my account to pay on time. According to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report, so reporting a late payment on a credit report is a volition.
Product: Debt collection

I received a call from FH Cann and associates and the caller said that she was trying to verify some information for XXXX XXXX. I asked which XXXX XXXX was she trying to verify information because there are XXXX. I asked for some identifying information that she have on the XXXX that she was looking for so that I would now if it was me or my cousin. I asked was it XXXX XXXX XXXX or XXXX XXXX XXXX and all she said was XXXX XXXX. I told her that there are XXXX. So before I gave her any information, she needed to verify if I was the XXXX XXXX that she was looking for. She said that she couldn't do that and I must be the one that she's looking for and she hung up. I want this company to stop contacting me unless they know for sure that I'm the XXXX XXXX that they are looking for.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date from the original lender XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account XXXX XXXX XXXX account Acct # XXXX. Failed to obtain the proper documentation during investigation.
Product: Debt collection

Received letter from a debt collector named commercial acceptance company for debt owed to my XXXX account that was in good standing, that I currently was not using and did not owe any debts or fees to and had my bank account froze as a result. Last I used my free checking account with XXXX was in XX/XX/XXXX 2016 which I made a deposit of just under 9.00 to my account. XXXX did not contact me about this alleged debt and I contacted them and I had no outstanding balance. I sent to the collector letter disputing the collections and asking for proof of debt but only recieved another letter saying it is going into collections and will affect my credit score because I " did not comply with their demands '' they also stated they required payment only by credit card by writing my card information on their form including my XXXX digit CVV code. I have not paid this company and have not contacted them since. I also had this show up on my credit reports and bring my newly good credit score down XXXX points which prevented me from being able to purchase a vehicle after being without one for 2 years. XXXX removed this from my report but XXXX still has not.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft as a result of a recent data breach. 
Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several notices to Nelnet Loan Services Inc., dating back to XX/XX/XXXX and I have not received any useful replies to validate that Nelnet Loan Services Inc., are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. 
On XX/XX/XXXX Nelnet Loan Services Inc., flagged my credit files with inaccurate/unverified information. Their accounts were updated on XX/XX/XXXX Please be advised that Nelnet Loan Services Inc., are not Holders in Due Course ; no services or goods were received from Nelnet Loan Services Inc., and I have not agreed to pay/tender anything to Nelnet Loan Services Inc. Nelnet Loan Services Inc. , have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 
Proper documentation from Nelnet Loan Services Inc., was NOT provided to me to allow Nelnet Loan Services Inc., to verify the accuracy of their data that was placed with the credit bureaus for collection. This proves that Nelnet Loan Services Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to Nelnet Loan Services Inc . 
Nelnet Loan Services Inc., does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Nelnet Loan Services Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Product: Mortgage

PMI was not removed when it should have been. LTV had to be 78 % or lower and completing 60 months of payments to remove PMI. Requests were sent numerous times to Home Point Financial requesting that it be removed. Finally a response was given on XX/XX/18 stating that LTV was at 68.1 percent and 70 payments had been made so PMI would be removed within 7 business days. We requested back pay for the previous 10 months that were wrongfully charged. So, already 10 months had passed with PMI not removed. PMI is still being taken out each month and it has not been removed. Home Point Financial is not communicating to the requests. We were told to email them and have not had any luck with responses. We want PMI removed and we demand back pay for the months that is has wrongfully been charged.
Product: Credit reporting or other personal consumer reports

Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed due to violation of the FCRA. The date of last payment was XX/XX/XXXX and this account has since been closed, yet Experian is reporting late payments in XXXX and XXXX of XXXX. How is this accurate? I will be seeking legal action if this account is not deleted. Experian is the only credit reporting agency reporting 2 late payments on this account. See the attached credit report showing the discrepancies and remove the following account immediately : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I cant believe I found inaccurate accounts on my credit report tonight, and I have no clue why theyre there. I check my report regularly, but this time there were mistakes that just appeared out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but no, the errors are still there. They didn't disappear, and I'm honestly shocked. I need the documents I sent to be looked at very carefully, so I can finally feel at ease and stop worrying about this happening again.
Product: Credit card

Citibank like many other credit cards are offering cash back offers to incentivize customers to use their card to purchase from specific merchants. I've used this across many credit cards with little to no issues. Citibank is the outlier. There used to be a tab in the app and online that showed what programs you were enrolled in and what you had qualified for, that went away. I was signed up for a XXXX XXXX offer, that unfortunately did not take screenshots of, because I actually trusted them. I made the qualifying purchase, spent hours and hours on the phone arguing about it only to give up. I also signed up for a promotion to get {$30.00} back after spending {$350.00} in hotel purchases, never received this credit. I believe there is a systemic issue in their merchant offer programs. It's deceptive to say the least. I want an explanation as to why I can not track my cash back like I can with other credit cards and why I have to spend hours of my time trying to get an answer.
Product: Checking or savings account

Today ( XX/XX/23 ) I went to view my wedding venue and came to the conclusion to make a deposit. As the venues preferably source is XXXX, I tried to go through XXXX. This is the second time XXXX has hacked me/my account. I called the contact support line/ XXXX number and got in touch with someone. This person set up a fraud email/ made me think he was part of XXXX . And I ended up transferring money. ( XXXX ) to be exact. Im hurt, stressed, disappointed, and just want my money back. Its so sad I cant trust anyone these days. Im homing XXXX makes this right and refunds me.
Product: Credit reporting

Each time I dispute with Equifax I receive a generic response only after a few days of my dispute. Equifax stated that I did not list the account names, numbers, etc for my disputes. Well I have uploaded proof of my letters I mailed with the account numbers etc that match the information I pulled from my Equifax file. The only information I have is what 's provided on my report. So I do n't understand what other data would I have to include. Nobody has validated any of these negative items. Also Equifax is removing some of my inaccurate inquiries. But when I first disputed it they advised me that these inquiries were a factual record of file access. Each letter I send explains why I am disputing these transactions. I keep records of everything. It 's not nice for Equifax to practice dishonesty especially if they do n't know what documentation someone possesses. All I want is what is fair. After 2 letters Equifax has failed to validate not verify these items on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX Balance : {$0.00} Charge Off : XXXX XXXX XXXX XXXX Balance : {$440.00} Collection : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$80.00}
Product: Money transfer, virtual currency, or money service

I filed a previous complaint on XX/XX/2023 but there was a mistake of the full legal name that caused Cash app to make more excuses eventhough I sent the proper documentation with the correct name and account numbers on those documents. They claim that my identity is already identified and i attached screenshots of that conversation via Cash App Chat Support. I need to refile the same complaint but with the corrected name so they will have ran out of excuses for their deceptive and ethical way thay handle disputes and/or victims of financial crimes. I will attach the letter with complaint number. Can you please correct the name on the complaint and resend it. There is no one to speak to, email or contact in any form about this problem. They keep saying my case has been " escalated to a special team '' but this supposedly " special team '' is not contactable in any form as well. Can you please correct the name on the complaint to XXXX XXXX XXXX and send it to Cash App? They will not respond to me. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As an individual that is a victim of identity theft it is of importance that all my credit report is accurate, and at the moment this report is not reflecting accuracy. This is harming my ability to gain credit because of the past data breaches and inaccurate data and fraudulent activity.
Product: Payday loan, title loan, or personal loan

I applied for a Rise payday loan, the interest is way over 100 % and I can not seem to pay this off. I've contacted the company and asked for covid relief several times they deferred payments during covid. However started up again on the wrong date. Another payment was taken and I called back on XX/XX/XXXX to tell them to change back to correct dates which are always fridays and I still needed covid relief/deferred payments. At that point i did not receive anymore payment emails as before. I thought I was under this relief deferral program until i called back today XX/XX/XXXX. I was told the account was in collections 25 days past due and the reason i had not gotten any emails/calls is because someone put my account in cease and assist. However they could not tell me who did this or why they had this noted on the account and advised me they did not know where it came from. I asked if I can qualify to defer the account or just payoff ( told no ) or if I could attempt to just pay off with and additional {$1000.00}. I was told no and i needed to keep make payments by this friday XX/XX/XXXX or they would start reporting negativity to the credit bureaus after 30 days. I live in California and is this even legal to charge this much interest and report negatively to the credit bureaus. I would like this company looked into.. because they do not seem legitimate to charge such outrageous interest. I borrowed {$2600.00}, paid back {$2500.00} ( 11 payments of {$220.00} ). My balance is still showing {$3900.00}. Honestly I don't even know the real interest rate. In California not sure what loop hole these people or using to get away with this. I paid this company every other week on time until the furlough and tried to work with them. My account is in this negative status ( collections ) do to they're customer service representative mistakes, not me. I was unaware because no contact was made to me. The supervisor XXXX told me all he could do is remove the cease and assist because they did not know where it came from on XX/XX/XXXX. However it was a mistake on their end with the customer service rep who advised me on XX/XX/XXXX my account was going to be in the deferral status if I made one payment. Which I did so. I've learned today it's not and they tried to submit a payment on the wrong date again which was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 

XXXX {$53.00} # XXXX XXXX {$520.00} # XXXX
Product: Credit card

I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.
Product: Debt collection

This account is not mine. I am not responsible for this account. I never signed a contract with this account. This is a forgery! This account did not even provide any documentation proving that it is mine.
Product: Credit card or prepaid card

I have been very successful in my life, but like millions of others, I lost everything in the XX/XX/XXXX-XX/XX/XXXX recession. My credit was ruined by my divorce. I have not had a credit card in 5 years I went bankrupt ( never filed ) I use to have an XXXX credit sore. I began to learn about secured credit cards and a friend told me Discover offered one with no credit check. 
You know a hard inquiry will hurt your credit I FILLED OUT THE APP, I was never told a Hard inquiry would be pulled. I HALTED THE APPLICATION BECAUSE I DID NOT HAVE ALL THE DOCS NEEDED I TOLD THEM TO STOP THE APPLICATION. I HAVE A RECORD OF 2 phone calls I told them to stop the APP AND 7 emails asking me to COMPLETE THE APP ... .WHICH WAS NEVER COMPLETED THEY PULLED A HARD INQUIRY WITHOUT MY COMPLETING THE APP WITHOUT MY PERMISSION AFTER TELLING THEM TO STOP APP THE CALLS ARE RECORDED SO WE CAN PULL THEM THIS IS DECEITFUL AND ILLEGAL- I never COMPLETED THE APP AND I HAVE 10 emails CONFIRMING THIS I WANT THIS HARD INQUIRY REMOVED FROM MY REPORT