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

When looking at my credit report, I saw a XXXX XXXX  XXXX showing a high balance ( history ). 

XXXX XXXX of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX That information is not XXXX percent accurate as indicated by FCRA. See the balance in Payment History as of XX/XX/XXXX is {$1700.00}. However, XXXX continues to say that it is accurate. Remove this account as it is not XXXX accurate.
Product: Bank account or service

I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Student loan

I am writing to formally express my dissatisfaction with the service I have received from XXXX regarding my student loan account. 
I have had XXXX  for almost 30 years for a private student loan. Many customer service reps have told me why I couldnt do a payment plan. I was once told that my loan was too old for any forgiveness or income reduction plan. I was denied a forbearance when I could not afford the payments. The times I was granted a forbearance my credit score took a hit because I was showing late payment status. Then when my co-signer passed away it took many calls to customer service monthly to get that figured out. 
I have attempted to resolve this matter through your customer service channels, but unfortunately, my concerns have not been addressed satisfactorily.
Product: Debt collection

I got a payday loan for {$600.00} ... A few months later I didn't make no more payments. A year and a half later I get a phone call at my work saying that I needed to work out an agreement and I pay {$260.00} that day by phone and set up a payment plan.. That was in XX/XX/year> XXXX I wasnt about to make a payment because of living cost... I got a phone call two days at work saying they were garnishing my wages now which could in fact leave me homeless if not able to pay rent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX on XX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
Product: Debt collection

This creditor LVNV is trying to collect on a debt from XXXX that is over 7 years old. This debt has been written off. The debt was incurred back during XXXX time period ( estimated ). This debt need to be removed from my credit reports ASAP.
Product: Credit reporting 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 account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  XXXX Balance XXXX {$2500.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
Product: Debt collection

In XXXX I was living at a location in XXXX VA where I had both XXXX DSL internet and telephone service. I moved from that location on XXXX XXXX, XXXX to a location where XXXX was unable to provide any internet service. When I tried to have the billing stopped, I was told I would have an early cancellation fee of several XXXX dollars but that my contract expired in XXXX XXXX. The CSR advised that I could pay the final month bill ( due in advance for internet ) at the beginning of XXXX XXXX and cancel the service then with no problem. I made that payment online on XXXX XXXX XXXX and spoke with a CSR and confirmed that since they were not able to provide DSL service, that I would no longer be billed. When my bill arrived in XXXX XXXX, it still had charges for the DSL so I again called and complained and stated I refused to pay for a service they could not provide. Again, I was assured it was corrected and that I would not be billed and that I would see an adjustment on my next bill. This same process went on for several months until I finally got so tired of it, I cancelled my phone service with XXXX as well. I paid all outstanding phone charges and sent a letter to XXXX stating that I refused to pay for service they never provided and referenced the monthly calls with CSR about the billing. 

I heard absolutely nothing for literally years, not until I was declined for credit due to outstanding collections in XXXX. Since I had filed a Chapter XXXX bankruptcy in XXXX, I was not aware of anything going to collections and had worked hard to keep all bills paid on time. I received the free credit report based upon credit denial and found the XXXX collection. I then got copies of my other reports and found they were reporting to all XXXX credit reporting bureaus. 

I disputed with all XXXX agencies and explained exactly what happened and why I was not liable for the charges. XXXX verified with all three agencies. I sent a letter to XXXX detailing that I was not liable for the charges and why. In addition, I demanded they mark the account as " disputed by consumer ''. 

I again pulled my credit reports in XXXX XXXX and XXXX was still reporting and was not noted as " disputed by consumer. '' Since then, XXXX has disappeared from my credit reports but now I have " Trident Asset Management ' reporting as a collection agency for XXXX. In XXXX XXXX, I disputed this account with all XXXX of the credit bureaus and again, it was verified and not marked as disputed. After that, I placed letters in the mail to both XXXX and Trident Asset Management concerning this account. To date, neither agency has bothered to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FIRST FED CREDIT CONTROL or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  XXXX Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on FIRST FED CREDIT CONTROL or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

MCM- company you sued is non compliant in the court proceedings. Last XXXX MC was contacted via XXXX third party to rectify my credit- and they decided to harass me about it. When I set them straight and a another DV letter- legal balked and tried to place dodgeball with me- knowning they got sued from you potentially months earlier. They have not removed the bad debt, they continue to post it as resold from XXXX- which also violates people in the same mannerisms as MCM. MCM will not remove the credit slander which has been disputed from day one from both companies as soon as collections began. The debt is not accurate and was bought for pennies on the dollar ( ~XXXX ) in this case. Yet I am extorted ea mo for over 1200 USD. THIS MUST END. XXXX lures consumers into a net and when it backfires, as is the case in bad housing areas- consumers take the fall for it for years- even after fixing eviction problems with paid off ( look the other way ) courts. I have been denied a home 2x and credit multiple times because of this. I demand immeadiate compliance or these company be held in contempt of court. ( US v XXXX XXXX )
Product: Debt collection

Southwest Recovery Services wrongfully charging me for a debt that is owe on behalf of a LLC. Southwest falsely added me to account as a guarantor. I was not made aware of this until it showed up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative 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/she is acquainted or who may have knowledge concerning such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX. XXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX CP XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge... XXXX  XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I got my school refund on my XXXX   account. I had a new card ordered and had not gotten it yet. And I needed the money, so I sent it to my brothers XXXX  account. He then sent it to my Venmo account because I had that card. ALL of my transactions were getting declined, except a couple that went through. So I sent the money back to my brother, and ask him to try the transactions and to try to withdrawal from his Venmo. Same problem. So we contacted their chat team about it and we had recently moved so we figured it was happening because we moved to a different state. We called about it a couple times. And they ended up freezing our accounts! They asked us to send pictures of our State IDs or Drivers licenses to prove our identity. We did that. I also sent the a picture of our lease to update our new address. They told me that I went against their user agreement and that my account was being permanently closed and that they were investigating my money for up to 180 days to see if they can give me MY money back! I sent them pictures of my accounts showing what I did. And I also kept the chat transcripts and email communications with the company. No luck at all. And they wont tell me how I violated the user agreement! I need my money! I have kids and bills to pay and I cant now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX NA XXXX of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX XXXX XXXX Updated XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX ALLOWED XXXX XXXX XXXX, AND TRANSWORLD SYSTEMS I TO REPORT THIS ITEM ON MY CREDIT WHICH IS NOT IN FACT MY MINE. I NEVER HAD A CAR LOAN WIHT XXXX XXXX XXXX I WOULD ASSUME IT IS IMPOSSIBLE TO HAVE THIS ON MY CREDIT WHEN IT IS NOT MINE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INESTIGATION. XXXX FAILED TO PERFORM An INVESTIGATION. THOSE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPERSENTIVE CONFIRMED THAT THE ADDRESS IT WAS UNDER IS NOT MY ADDRESS SHE STATED THAT IT WILL IN FACT BE UPDATED ITS NOT UPDATED
Product: Checking or savings account

In XX/XX/2000 I had XXXX security installed due to a XXXX XXXX. Immediately every sensor faulted And the system was bypassed allowing my XXXX and his friends access in my home. Somehow they hack the system my garage was robbed my grandson seen them in the home. I called XXXX several times explaining this to them telling them I didnt want to service it wasnt doing what it was supposed to do which was protect me my XXXX is a XXXX XXXX. Finally in XXXX they agreed to remove the equipment that I had been making installment payments on and refund what I had paid for the equipment. Three supervisors promised me a refund. In XXXX I received a voice message saying I would not receive any money so they retrieved the equipment and kept my money. They did refund me the monitoring fees. I contacted PNC within days of that voice message trying to get them to dispute the charges to get my money back we were in the pandemic I couldnt get into the bank so I was doing it virtually but apparently none of their employees actually filed the dispute. So when I finally got through to somebody else they said it it was beyond their timeframe for disputes which was either 60 or 90 days. So PNC will do nothing either. Bottom line is Im out almost {$1800.00} I have XXXX I have been XXXX XXXX and XXXX XXXX damage has been done to my home I have suffered over gear a continual XXXX and being XXXX on top of what I live through for XXXX years. Every account I have it he has access to because he has access to my phone which is another complaint I will be filing against XXXX. He is determined to XXXX XXXX XXXX and he is getting away with itI have to leave my home of XXXX years the home I raise my children in from when they were born.
Product: Mortgage

Reference complaint # XXXX. 

PennyMac has provided incorrect information and needs to remove homeowners insurance from our escrow account as our LTV ratio is 60 %. PennyMac has removed our PMI insurance as of XX/XX/XXXX as our LTV was less than 80 % and indicated that they would remove our homeowners insurance after the PMI was removed and the escrow balance went from negative to positive. PennyMac stated that the homeowners would be removed from escrow by multiple PennyMac representatives ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). The LTV on our loan is at 60 % as of XX/XX/XXXX and our escrow was positive until PennyMac erroneously paid our homeowners insurance from our escrow account. 

XXXX needs to remove our homeowners insurance from our escrow account immediately and change the responsible party for homeowners insurance from XXXX on Borrowers Behalf to Borrowers. 

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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX  XXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX CRE XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX  XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX BANK XX/XX/XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was subject to a background investigation for employment. After providing my current and past employment history, my employment background report states for my present employment, " Subject has indicated they have no history to provide, '' which resulted in a score of " Decisional. '' This information in patently untrue. I provided contact information for my present employer, information that included the address of the employer as well as the name and contact information for my current supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company named LVNV Funding LLC is reporting that I have a debt of {$2900.00} and it was originally with XXXX XXXX XXXX. 
I have never dealt with XXXX for any service, at any time in the past at least 10 years, if ever. This account is absolutely not mine. I disputed it but its still on both my XXXX account and my XXXX account. It was also on my XXXX account and I disputed it there as well and they removed it. 
Please help me. 
Im in the process of repairing my credit as it is, and I need to move soon, so my credit score will be critical. Thank you!
Product: Credit reporting or other personal consumer reports

These companies have leaked my credit to all requiring access on my credit report without my permission and has violated my rights by the fair credit protection act.