23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I SENT A LETTER TO ALL THREE CREDIT AGENCIES TO REMOVE OTHER ADDRESSES THAT'S ON MY CREDIT REPORT. ONE OUT OF THE THREE REMOVED THEM, HOWEVER XXXX, XXXX HAS NOT. I SENT A LETTER TO THE THREE AGENCIES A YEAR AGO BUT THE INFORMATION IS STILL ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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: Checking or savings account

I hold money with a XXXX percent Annual percentage XXXX ( XXXX ) in the XXXXXXXX XXXX XXXX XXXX. I saw in an advertisement that Capital One 360CD proposed 5.1 % Yield. I transferred to Capital One 360 CD bank {$100000.00} from the XXXX on XXXX XXXX. I saw in bank statement after 1 month that Yield is around XXXX percent. I call the clerk, and she explains to me that money will add months by previously months. I check the bank statement again on XX/XX/XXXXXXXX XXXX and I saw that XXXX is XXXX. I call about this online PH # XXXX XXXX XXXX to clerk XXXX ID XXXX He told me that he checks accounting calculation, and everything correct. He refuses sent me result calculation. Please, help me. The Capital one Bank will steal my {$1000.00} for 10 months
Product: Credit card

I had money on my card that they said they can not release to me because I dont have the card that I have to open a new account with them and then I did and they did not restore the money back on the card because it was under a different number Also transactions was being taken off my card without me, knowing and Cash app was not able to help me to resolve it Im so very disappointed with them.
Product: Mortgage

Due to covid-19 pandemics my wife and I are struggling with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is struggling severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome mortgage company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails. Not collecting partial payments. Mortgage company must have payments in full. No help to help save us from loosing our home. I just want to be rid of this mortgage company that brings me to XXXX and XXXX. Anger to no end of loosing my mental health. Is there a way of transferring my mortgage to a different lender?
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX. These companies have NO permission to report anything using my info pursuant to 15USC 1681 XXXX. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXX XXXX XXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXX XXXX XXXX XXXX XXXX instructing the XXXX to remove this account tradeline from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX Credit Bureaus continue to send me the same responses, " We have already investigated your claim, please allow us 30 days to complete our investigation. '' These Credit Bureaus are at fault, they have not provided anything to me but COMPUTER-GENERATED LETTERS in the last 75 days! They have not provided any original documents that I have signed from the Creditors listed on my credit reports. Furthermore, the Creditors, nor their Collection Agencies, have provided specific documents that I have signed! I am extremely frustrated that no action under the FCRA has been taken against these companies for their negligence. It would be for civil liability, and willful no-compliance. My letters have been sent over and over again, now for a period of more than 90 days! These Creditors, and Collection Agencies keep selling my information to each other, then reporting to XXXX. Equifax, and XXXX Credit Bureaus. These actions on the part of all these agencies are major violations of consumer privacy laws, and a host of other FCRA and FDCPA laws they have violated. 
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached document.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

i had gotten a call from XXXX XXXX from florida telling me I wasapproved for a XXXX loan so right then times were tough so I presued the offer after we got the application started they started hittng me with all kinds of fees to which I had to send them over XXXX and still have not received the loan from them. I sent all the money through moneygram. each time I talk to these people they r wanting more money from me. now they are wanting me to send them another XXXX then they said I will get the loan. all I want is my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Please HELP! 

I have been trying to reach someone at LexisNexis for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the XXXX XXXX  XXXX  does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. LexisNexis has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information being reported on my credit report by XXXX, XXXX, and Transunion is incorrect and is a result of identity theft, and shall be corrected immediately. 

I recently disputed some incorrect items on my credit report with all 3 bureaus, and they all claim the disputed accounts were verified as accurate. In my dispute i asked them for a debt validation, and proof of investigation, but the requested items were not sent to me. I am seeking compensation for damages for none compliance. under 15 USC1681n ( a ) ( 1 ) ( A ) which allows consumers to recover up to {$1000.00}. Their constant neglect to properly report my credit has been affecting me and my XXXX XXXX XXXX XXXX XXXX ability to get a car note, credit cards, and apartments. I am wanting for them to be held accountable for their negligence and causing us pain and suffering. XXXX, XXXX and Transunion are tarnishing my name and my identity and it's not right. I am referring to these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am using these laws below to challenge their claims against me, and again I am demanding to be provided documents such as debt validation, timing of payment, proof of investigation ect...

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1666b - Timing of payments
Product: Debt collection

I WOKE UP THIS MORNING CHECKED MY CREDIR REPORT AND NOTICED THAT THIS ACCOUNT IM REPORTING TO BE BLOCKED AND DELETED IS STILL SHOWING ON MY REPORT AND AFFECTING MY CREDIBILITY.
Product: Bank account or service

i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.
Product: Checking or savings account

On XXXX XXXX, 2017 I hired XXXX XXXX of XXXX XXXX to build a mobile application ( XXXX  and XXXX ) for my company. We went over all the details of the project and how much it would cost. XXXX told me the project would take 6-8 weeks to complete and will cost {$1000.00}. He said I had to make a down payment of {$250.00} to get started and that is what I did. He assured me that I will be updated visually every 1-2 weeks until the project was complete. Once the first 2 weeks had passed I contacted XXXX for an update of my project and he told me that he was going out of town but the project is being worked on so do n't worry about anything. Two weeks later I contacted XXXX again about my project and once again he gave me another excuse. At this point he asked for a second payment because the developer did the coding for the applications and he would send me screen shots. So I went ahead and made the second payment out of good faith but I never received anything. XXXX then asked for another two weeks to get things together and oversee the project and he will show me what was done. The two weeks came and again another excuse. This time he told me that the developer sent him something but he was not happy with it so he could not present it to me. XXXX admitted to me that he under quoted me on the project and the amount of time it would take to complete and was willing to give me a refund if i did n't want to wait any longer. At this point it has been four weeks over the time he said the project would be complete. On XXXX XXXX, 2017 I reached out to XXXX expressing that I have been very patient but enough is enough and he became unresponsive. I then contacted Chase on XXXX XXXX ,2017 to file a dispute against the 2 payments that I made because no work was ever delivered to me at any point. I faxed all the correspondence between us to them that supports my claim. Chase then contacted me a few weeks later telling me that they are denying my claim because the merchant supplied evidence that I ended the project early which is not true. I then escalated the claim to be resubmitted and it was still denied. Chase refuses to charge back my account for the amount paid for a service I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt still reporting on credit report well after 7 years. 

Wells Fargo ( WFDS ) XXXX XX/XX/XXXX {$0.00} Paid off XXXX. Want entry removed from credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are reporting a collection account that has not been validated as belonging to me and they have provided me with no documentation from their investigation that proves this account belongs on my credit report. There are several inconsistencies on my report as well so this means no validation was done because the account can not report XXXX different ways this is a violation of FCRA. The account in question is XXXX XXXX Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both TransUnion and XXXX are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XXXX of 2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. TransUnion and XXXX  for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information. 

Please help ... I am so over this ... My attempt to secure a mortgage for a house failed because of this non sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my Experian and XXXX  and XXXX  Credit Reports by my XXXX XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my XXXX  XXXX son XXXX XXXX hurts his reasoning and judgement he doesn't know due to his XXXX  XXXX that my name and social security number and my Experian and XXXX  and XXXX   credit scores are my own and only for my use due to his XXXX  XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my Experian and XXXX  and XXXX credit report and scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that multiple fraudulent accounts have been set up in my name. This account looks to be a hospital bill which is a HIPPA violation. My personal information, including medical history, has been used to report to my consumer credit report. Please respond with the contract and all authenticated records of accounting, including tax filings. Send all of these documents within 30 days of receiving this notice. I am entitled to this information according to UCC9-210.
Product: Credit card or prepaid card

The problem with my account is that the bank has lowered my credit limit three times in the last seven months. 
When I opened my XXXX XXXX credit card through XXXX XXXX, I was agiven a {$250.00} credit limit which quickly increased to {$800.00}. XX/XX/XXXX the bank lowered my credit limit to {$750.00}. Again in XX/XX/XXXX the bank lowered my credit limit to {$700.00}. I have consistently paid on my account at least the minimum due so my account has always been in good standing. In XX/XX/XXXX I purposely made a large payment to bering my balance down below the 50 % mark of my credit limit in an effort to increase my credit score. Once again, shortly there after the bank lowered my credit limit to {$400.00}. 
The reasoning the bank is giving me is becasue there has been a significant decrease in my credit score. Well, ... 
Frist of all I bought a new vehicle at the end of XX/XX/XXXX and because of the financing and sending the app to banks, yes my credit score dropped. However, everytime this bank runs my credit they ding my credit score as well. Not to mention by continually lowering my credit limit you have now increased my credit/debt utilization which is lowering my credit score. So guess what, my credit score keeps going down or staying the same because of the negative impact this bank has had on it. My performance with this bank has been good. I have always paid on my credit card. I just don't understand how a bank/credit card can continually negatively impact your credit score in the way this bank has done so. I have looked and verified on my credit report that this has negatively impacted my credit rating. it's stating right on the report because of decrease in credit limit and increase in credit utilization you have been negatively impacted!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and 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