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

There is a list of companies that have access to my credit report and they send me unsolicited offers by mail or phone that I did not request. Promotional Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was recently notified that my credit score dropped because of a delinquent payment. The account in question is with XXXX XXXX  XXXX, now reporting as Wells Fargo. I was added to this account as an authorized user. The primary card holder requested that I be removed in 2010. About a month ago ( XXXX ) I was notified by a credit alert that a delinquent payment caused my credit score to drop. The primary cardholder as well as my self made a call to the Company on several occasions, but could not speak with the account rep that was assigned the case. Attempts to leave voice messages failed because the mailbox was full. I never used the services or requested the service, and I was never notified personally the account was delinquent. I am seeking relief of this problem. I am including the phone number as well as the case number regarding this account. Case number XXXX phone number ( XXXX ) XXXX XXXX Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX. XXXX XXXX * Account Number : XXXX * Status : Late Payment * Account Number : XXXX * Status : All XXXX agencies * Account Number : XXXX * Status : Charge Off * Balance : {$7300.00} * Account Number : XXXX * Status : All XXXX Charge Off XXXX. XXXX * Account Number : XXXX * Status : All XXXX XXXX XXXX. XXXX XXXX * Account Number : XXXX * Status : XXXX and XXXX XXXX Payment XXXX. XXXX XXXX * Account Number : XXXX * Status : XXXX  XXXX and Experian XXXX. XXXX * Account Number : XXXX * Status : XXXX and Experian XXXX XXXX XXXX  * Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 attached and FTC report with 2 accounts and inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX All of these accounts 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 a account without MY written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : 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 more than seven years.

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

I am experiencing communication tactics issues with L J Ross Assoc. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XXXX. Additionally, some representatives of L J Ross Assoc have used XXXX  language during these calls, further exacerbating the situation.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX are violating my FCRA consumer rights. I sent a dispute on XX/XX/2024 and they have not responded. I also contacted the court for the inaccurate Bankruptcy on my report, they stated that they do not report to credit bureaus. I attached a copy of the document they provided. Please help me investigate this. The inaccurate accounts and XXXX are preventing me from obtaining credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XXXX  closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.
Product: Debt collection

I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Sect

ion 602A States I have the right to privacy. 15 U.S.C 1681 Section 604a 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

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX XXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have not talked with the company yet. My manager sent an email and I was told that they called my job today around XXXX. No other details given by her accept the name and number. We are not supposed to get personal calls and Ive had scams linked to old online payday loans contact my job. Feels about the same. Paid off majority of my sincere old debt ( I.e. credit cards, personal loans like XXXX XXXX ), so whomever this is can not contact my workplace by law anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but XXXX  has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They did not record the current status as disputed information which is a violation. These accounts are in violation and proof are provided below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX A person posing as a military personnel asking for help for money only to find out they were scamming others. I was scammed into {$5300.00} to transfer to a XXXX XXXX account multiple times. And reported that to my bank and also XXXX XXXX to refund the amount. Which they XXXX XXXX told me I could not received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX Account # : XXXX -- XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against transunion for inaccurately reporting my payment history. I recently obtained a copy of my credit report and discovered that it inaccurately reflects late payments on my account. Despite consistently making payments on time, my credit report incorrectly indicates that I have been late in making payments. 

The inaccurate reporting by transunion has had a detrimental impact on my credit score and financial well-being. As a responsible consumer, I have diligently made all payments on time, and it is unjust for my credit report to reflect otherwise. 

I request that the following actions be taken : 1. Immediate correction of my payment history to accurately reflect that I have never been late on any payments.

2. Investigation into the practices of experian to prevent such inaccuracies from occurring in the future.

3. Compensation for any damages incurred as a result of the inaccurate reporting, including any adverse effects on my credit score and financial opportunities.

I have attached documentation supporting my claim, including evidence of timely payments and copies of my credit reports indicating the inaccuracies. Attatched is my XXXX report that is reporting the payment history correctly. 

I appreciate your prompt attention to this matter and request that you investigate this complaint thoroughly. Please inform me of any further steps I need to take to resolve this issue. 

Thank you for your assistance in this matter.
Product: Checking or savings account

I rented a dumpster XXXX XXXX. I paid and signed a contract. They dropped it off Friday XXXX and picked it up on Monday XXXX XXXX. About 3 or 4 days after they picked it up I got a call from someone from the billing department stating I threw a tv on the dumpster, which I didnt. I asked for an itemized invoice back in XXXX after I got 2 phone calls back to back from them. It was radio silence, then Friday XX/XX/XXXX they pulled {$750.00} dollars from me without an itemized invoice or letting me know they would do so. I contacted RBFCU ( my bank to dispute this charge and they are not willing to help me what so ever. I have spent about 10-12 hours on the phone with them to get this resolved but they are not helping me, their customer at all! 

Case # XXXX With RBFCU XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX is the company. They are scammers, you cant even leave a review. 

RBFCU even said the contract was messed up and meant to scam me, but wont do anything about it. This is just wrong and I am closing my account regardless with RBFCU because of their terrible services but I want my {$750.00} back. I am the sole provider for a family of 4 and this is just really messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX. XXXX XXXX Co XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Product: Student loan

My husband and I co-signed four student loans with my granddaughter to Sallie Mae, now Navient, in the amount of {$17000.00} with an initial 6 percent interest when my granddaughter began college as an XXXX year old. Now due to multiple interest increases by Sallie Mae and Navient this {$17000.00} loan is now {$32000.00}. Sallie Mae, now Navient have been harassing my daughter, my granddaughter and me for multiple years. They have not worked with us in the repayment of this loan, rather, the interest rises and rises. We need relief. My niece is now in her XXXX  and a XXXX XXXX. Other loans throughout her college years, in addition to this one to Sallie Mae and Navient now over {$60000.00} due to multiple and unfair interest increases. I am XXXX  years of age and my husband is deceased. Navient refused to consolidate the loans after multiple requests. These loans will never be paid off.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX and original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FinallyXXXX XXXX XXXX XXXX  and original creditor was XXXX XXXX XXXX XXXX XXXX and opened on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.
Product: Checking or savings account

Fraud was committed against me on Friday, XX/XX/year>, in XXXX XXXX, NV. Money was taken out of ATMs and other fraudulent ways by a presumptive " XXXX XXXX, '' potentially due to a " XXXX '' used. More than {$5000.00} was stolen from multiple transactions against my property and me. These are felonies. Chase failed to investigate thoroughly and made claims that a physical card was used and, therefore, is holding me responsible for the money and has threatened to take the money back from me. Chase knows very well that " Cloning '' cards is rampant ; a simple XXXX search will tell anyone. 

I was in XXXX, California, near my home, more than 500 miles away from XXXX XXXX, at the same time, using my Debit Card and a Chase credit card. Chase has this information ; it's ignoring it. Additionally, video recordings of the withdrawals will show that it was not me. I alerted Chase on XX/XX/XXXX that my account was compromised and they verified that someone hacked my account. Chase then assured me it would scrutinize my account for 90 days for fraudsomething they obviously did not do. I have filed a police report and alerted the XXXX Attorney in XXXX XXXX, NV. I have also filed a complaint with the Federal Trade Commission.
Product: Mortgage

I had a tax refund for an over payment of taxes as I was approved for a XXXX exemption for tax year 2017 forward. I requested the mortgage company to provide a letter to allow the refund to come to me directly. They declined to provide even though they are withholding the maximum amount per law according to my calculations. I have called the loan service provider and submitted multiple requests in writing to provide the refund. The loan provider is now holding my refund in escrow and I have been told that I I will not receive a refund as I have not paid yet for this months mortgage. I believe the company is in violation of the law regarding the maximum escrow withholding. I also think their policy to not allow a refund of this nature to go directly to the mortgagee will many times result in a violation of the law in this area. I am only 13 days behind on this loan, it is unacceptable that I was told I would not be refunded monies owed to me because i was not current.
Product: Checking or savings account

I had certificate of deposit and money market accounts with CapitalOne. 

For filing my taxes, i needed 1099 INT form from the bank since i didnt recieve the hard copy on the mail. 
The online problem is now showing any statements even though i earned interest income. 

I called in their customer service. management teams several but it seems they an issue going on with their system leading of No tax statements generated online. 

Even after several escalations, the problem persists. This is serious as I am unable to file my taxes accurately & report this income.