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

I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX XXXX

SHOWS ON XXXX  AND XXXX:
-fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ONLY SHOWS ON XXXX  -XXXX XXXX XXXX
ONLY SHOWS ON XXXX: 
US DEPT ED
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that you are not removing files after I sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not REMOVE the following items 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. The following are inaccurate items ; XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX ; American XXXX XXXX XXXX Balance {$0.00} ; Navient XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX ; XXXX  XXXX XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; Certified Credit Rep XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Certified Credit XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX  XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX
Product: Debt collection

I'm having some third party company reporting inaccurate information to all 3 credit bureaus about a past auto loan. I'm asking for written proof showing my signature that I owed this debt and Not some e-Oscar online check. This is a violation of the Fair Credit Reporting Act. This negative reporting needs to be removed from all 3 major credit reporting agencies.
Product: Mortgage

On XX/XX/XXXX I discovered that my lender had increase my monthly mortgage payment without sending me any notice or explanation of the charges. Today XX/XX/XXXX I called and spent over two hours attempting to resolve this matter. I initially spoke to a representative name XXXX ID XXXX who confirmed that there was increase however he was unable to verify exactly what the increase was for and informed me there may have been some errors. XXXX explained to me that he would be sending a request to his escrow department for review. I was not confident that this would be done because there was still no explanation of the charges so requested to speak to a supervisor. I was then transferred to a gentlemen name XXXX agent ID XXXX who immediately told me there was no error without reviewing my account. This was extremely frustrating so I requested to speak to his supervisor which he said was XXXX XXXX and that she was unavailable. I then called back in to verify that at least a request was being sent to escrow and spoke to another associate name XXXX who gave an agent ID of XXXX. The customer service I received was absolutely horrendous! No one could explain reasonably with a break down of where the charges occurred after the previous representative confirmed there may have been an error. I finally spoke to XXXX who was the supervisor and I'm still in disbelief that she's an actual supervisor. I will be filing a separate complaint and requesting the telephone calls to be pulled regarding the customer service received.
Product: Credit card

Milestone credit card charges me interested when the account is closed late fees to trying to change payment date
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My car got was in an accident and was destroyed. XXXX  sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX  and Equifax and am getting nowhere. Please see attached documents.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I submitted a check for {$3300.00} through mobile deposit. The check was recieved from a law firm as a settlement for a motor vehicle accident I was injured from the year prior. I was informed that my check was flagged via email and would have a hold placed on my account. On friday XX/XX/XXXX, I woke up to my account at about XXXX. I was also supposed to get my weekly paycheck that day which I never recieved. I've been calling chase trying to get my paycheck to no avail. Now I have bills due that I can not pay because Chase decided they own the money I work for. I've contacted many individuals to no assistance, one lady attempted to verify the XXXX check however the call got disconnected while I was at work. Another man verified my paycheck that I've been getting every week for more than 6 months and told me I would have my paycheck by the end of the day but that was not true. I called one last time on Saturday, XX/XX/XXXX and was informed that because my account was restricted by a legitimate check, that they would return my paycheck to my employer. As of Monday XX/XX/XXXX I still have not recieved my paycheck and Chase continues to restrict my account, causing my bills to become overdue due to them preventing me from using the money I worked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that incorrect are reporting on my credit report XXXX XXXX XXXX XXXX
Product: Debt collection

I received a court order of wage garnishment. I have no way of contacting the supposed lender and no one can give me there contact information to find out about the loan and see if I indeed do owe the amount, and if i do to work out a payment plan. I have until XX/XX/2018 to respond to the Law office of XXXX XXXX XXXX. I called them and couldn't get any info on debt collector and they were unwilling to work anything out other than what was on the notice of court proceedings.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I recieved a debt collection letter from BullCity Financial Solutions Inc. XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX ; telling me I owe {$1000.00} for a debt from : XXXX XXXX XXXX XXXX AT XXXX, account # XXXX, service date of XX/XX/XXXX Regarding XXXX, XXXX. 

The letter states that if I do not dispute the validity of this debt within 30 days they will assume it is valid. Sincerely XXXX XXXX XXXX, XXXX. 

I have know idea what this debt is as I have not been to Texas in the past 5 years. I'm afraid to contact them and give them my personal information because of all the scams going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX. 
XXXX  XXXX  XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have WRITTEN Equifax on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
Product: Payday loan, title loan, or personal loan

I have an installment payment issue for my XXXX XXXX pro XXXX purchase on the XXXX XXXX with an apple card ( Goldman Sachs ). 
The first order was made on XX/XX/XXXX, with an apple card installment plan, and it has been returned to the XXXX XXXX due to the wrong shipping address. And I repurchased the same phone XXXX pro XXXX the next day ( XX/XX/XXXX ) with an apple card installment plan again, and the full amount of the installment for the first order was refunded on the same day. 
But the problem is I still see two installment plans on the same XXXX device and it has been charging double a month since XX/XX/XXXX. I guess the installment plan for returned XXXX is still active.
Product: Checking or savings account

I tried to log into my a chime account that I made so. It did not have a large balance. It was only XXXX dollars. I tried to log in the account and instead of logging me into the account, the app asked me to sign up for an account instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed an alert notice from XXXX. It said My credit score had dropped 14 points and I was very concerned. 
I realized it was a company called Money Lion, it says it's a secured loan I've never received any funds from them I've never opened the account and it says it was opened XX/XX/2021, And now it's reporting me 3 months late and it's not and it's not my account. I tried reaching out to the company via the phone number. This is the phone number that they have listed XXXX. When I have tried to call to see what was supposed to have gotten or purchased, it says the number is no longer in service. I'm very frustrated and I have no where else to turn I did a dispute via XXXX on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Amount say {$1700.00} Is Inaccurate. how is the High Credit lower than the balance. the high credit is {$1300.00}. I reported this 3 times they telling me Subject has not satisfied debt. Equifax is the only one reported this how do they have information that the other two Credit Bureau don't have. and the last day of Active is wrong.
Product: Debt collection

Phishing text received from phone number XXXX. " This message is from Spring Oaks Capital , LLC. This message is regarding your Indigo MasterCard account originated by XXXX XXXX, which is now owned by Spring Oaks Captial SPV, LLC. We are willing to accept {$270.00} to resolve your account for less than the full balance. Review this offer by going to : XXXX? XXXX. 
if you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. We request that you review this offer by XXXX. Your account is in your hands. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 
Click here for important disclosures : XXXX
Product: Checking or savings account

I was a victim of identity theft through my workplace " XXXX '' account and since then have had numerous unauthorized charges on my accounts. In XX/XX/XXXX I failed to complete the affidavit Bank of America sent me. As soon as I learned that I didn't complete it I contacted them and ask to have another sent. On XX/XX/XXXX I had the teller put a freeze on the account and asked that the form be sent again, on XX/XX/XXXXBank of America reversed the temp credit of {$150.00}. Additionally they charge me {$140.00} in fees and have since left this account open that was to be closed and continue charging me {$25.00} per month. 

I have contacted the bank at least 20 times, been in the branch 5 times and  now they took {$340.00} from my good account to cover the fraudulent charges. 

They never call me back ; they tell me the last person I spoke with was wrong and here I sit owed {$160.00} plus {$340.00}. 

I now can't pay for my rental car, and am without transportation which is affecting my job. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX  Hard inquiry XXXX  Hard inquiry In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section 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

The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.
Product: Credit card or prepaid card

I have called Navy Federal Credit Union several times beginning in XX/XX/XXXX I placed a dispute, and the dispute wasnt ruled in my favor because navy federal said it was too late due to policy. I called Navy Federal again XX/XX/XXXX of XXXX and I called again about the same complaint XX/XX/XXXX and asked to speak to upper management and yet no one comply to reopening the fraud dispute for illegal down payment and the also told them credit card authorization form was not signed by me
Product: Credit card or prepaid card

Trying to get PayPal card and application keeps restarting instead of going to final step.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I opened a dispute with Experian but they failed to investigate my dispute, even though I sent documents showing there is an error and I have disputed this same issue with Experian 3 times! Pleas help me have an actual person look at my documents
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Illegally charged off and/or purchased my personal information from a third party and is reporting open and charged off and closed negative accounts, that I have no knowledge of. 
as evidenced in my previous complaint XXXX financial was sued by the for illegal practices for inaccurate information which previously appeared on my report as i am being compensated. 
from the suit as referenced in account number XXXX on my consumer credit report. 

These open accounts, that I have no knowledge of, constitutes identity theft and a is violation of my privacy. XXXX XXXX and Experian are guilty of identity theft as they have reported this inaccurate information without my written consent and without good cause.as section 623 [ a ] [ 6 ) clearly outlines the law. 
per the fair credit act this is violation of my privacy and constitutional rights as seen in FCRA AS PROVIDED IN SECTION 333 ( a ) of the act the violator shall be assessed a civil penalty of up to XXXX for each violation. 

These violations have caused me to suffer irreparable repair to my life and quality of life as such. 

PLEASE REMOVE THESE INACCURACIES FROM CONSUMER REPORT IMMEDIATLY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$1100.00} ; XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$3200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX  : {$270.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  XXXX # XXXX Inquiry : XXXX. XXXX, XXXX  ; XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with XXXX directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

My car contract is with XXXX XXXX XX/XX/XXXX. I have paid my car payments every month. 
XXXX XXXX  continuously since XX/XX/XXXX fails miserably and refuses to post my monthly car payments on all credit bureaus and correct balance. 
XXXX XXXX continuously posts false information about my account to all XXXX credit bureaus to lower my score. 
XXXX XXXX continuously posts false information and changes name to XXXX XXXX XXXX, old name in XXXX on Equifax. 
XXXX XXXXXXXX is overcharging me monthly interest and I want a recalculation. 
XXXX XXXXXXXX is not increasing my credit score but DESTROYING my credit score with FRAUDULENT business practices. 
XXXX  XXXX has violated FCRA, 5 USCode 706, and ARS 44-1521 et seq., AZ Consumer Fraud Act.