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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a copy of my credit report. To my surprise, Resurgent/LVNV Funding XXXX XXXX reporting this account incorrectly. This collection account is not only XXXX, but also shows a past due balance of {$XXXX} as of XX/XX/year>. According to the Fair Credit Reporting Act, I have the right to an accurate credit report. This account is being reported on the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made multiple payments ranging from {$2900.00} to {$4500.00} to BBVA bank using their online system and pulling from a XXXX XXXX XXXX checking account. At no time in the process did they say large payments may take 7-10 days to credit to my account and made no attempt to expedite the process. Instead, I just have a worthless piece of plastic with no available credit to use despite it showing up online on BBVA 's end and the money being withdrawn from XXXX XXXX XXXX 's end. This is ridiculous and intentional stalling on BBVA 's part during the XXXX bonus period they offer. They are systematically delaying their customer 's usage of the credit card during this time yet promoting this time as a way to garner more sign ups for their product. It is unethical.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES 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. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting

Adverse information was incorrectly reported to XXXX and XXXX, and it was later removed from those XXXX credit reporting agencies at the request of the collection agency. A version of that incorrect information is now on Experian, however, and Experian has not allowed me to dispute it online. I have been told by people dealing with the agencies that Experian will " grab '' information from the other agencies even when it is not reported to them. And now I find I ca n't get them to cooperate in correcting the record without paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be removed from erroneous reporting in my file. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove XXXX account from my credit reports that does not belong to me.
Product: Mortgage

For the last three months, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get my mortgage company, Dovenmuehle, to consent to an easement across my property at XXXX XXXX XXXX, XXXX, Texas XXXX. The easement will not affect the use of my property as it is mainly under the road leading to the main property. Once Dovenmuehle found out that XXXX was paying me for the easement, they have demanded a payment against the principle of my mortgage. I only owe {$140000.00} against a property valued at over {$400000.00} but Dovenmuehle is now demanding {$20000.00} be paid prior to closing XXXX closing can not happen till they sign the consent ). They originally claimed the XXXX was demanding {$39000.00} be paid against the principle but have since offered to " settle '' for {$20000.00}. I do not have {$20000.00} to pay them, so we are at an impasse. The XXXX XXXX XXXX agent handling the easement acquisition has never heard of such a demand. If XXXX truly requires such a payment, why won't they accept payment upon closing? I feel like I'm being extorted for {$20000.00} for a consent that is costing Dovenmuehle nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX on XXXX/XXXX/XXXX. I wrote them on XXXX/XXXX/XXXX proving identity theft, no response. 

XXXX allowed 3 unauthorized hard inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I wrote them proving identity theft on XXXX/XXXX/XXXX, no response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX, XXXX, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I thought that lenders - for any loans, not just student loans - were required to provide timely and accurate billing statements. I am attempting to re-finance my student loans currently serviced by Navient, and much to my surprise there is not a way to access your billing statements via their web portal. I have been on autopay for years, and not had a reason to look for a statement, but I am appalled at how difficult it is. It is hard not to wonder whether they are hiding something. My guess is that they want to make it difficult to re-finance with another lender, and they know that is more than likely the only reason you would be accessing billing statements, so they make them difficult to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was reinserted on my Experian account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added XXXX XXXX years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
Product: Debt collection

I ask company to verify a debt in my name that was said i owed they did not send the proper documentation to verify the bill using section 609 in the FCRA, The amount of debt is XXXX. The company sent a bill that was in my name, no original document with my signature on it. This account is being falsely reported to the credit bureaus on a monthly basis.
Product: Student loan

My mother consolidated loans in 2007 with Sallie mae one opf which was supposed to be paid to XXXX XXXX XXXX. thats the first thing, it was never pd to them and now im being charged from XXXX XXXX and on the consolidation from sallie mae which was sold to navient whioch is a horrible organization.they have me on an interest only payment because they offered me no other option for repayment they had me when i was pregnant on a forebearance which shot my accruing interest sky high they want over 1000 dollars per month from me which i can not do i have a family, they told my mother to cut down on her food consuption so she can help me pay my loans. 
2 of the consolidation loans equal about 30 grand and i cant get any info on what was consolidated since the loans were sold to them. if in fact one of the consolidations was to pay off XXXX XXXX then i am owed a heck of a lot of money from them becasue they never paid the loans. I believe there were other loans consolidated on the 2 as well. 
please help me I dont know who to turn to anymore, and they keep raising there interest rates as well. 
thank you XXXX XXXX loans are under XXXX XXXX my maiden name
Product: Credit card

Without a written notice nor any kind of warning, my credit account with Paypal was closed. The company claimed I had made XXXX returned payments : {$150.00} on XX/XX/XXXX and {$30.00} on XX/XX/XXXX. Autopay had ended on XX/XX/XXXX. The company claimed its their policy to automatically close an account after XXXX returned payments. I asked Paypal why did they not send a warning? No response. I asked why was my account not closed the week I reached the returned payment threshold? No response. On XX/XX/XXXX, I had made a payment of {$500.00} and my account did not display any notice of an impeding account closure. 

I do not recall reading anything about this policy in the companys credit agreement. This is a company internal policy used as an external policy. I dont think this is legal without a consumer notice.
Product: Debt collection

I received a letter from debt collector, XXXX. I called XXXX because I am in complete disagreement that I owe any debt. XXXX told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called Jefferson Capital who claimed to have purchased the debt from XXXX and then redirected the debt to XXXX. Jefferson Capital was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to Jefferson Capital. Jefferson Capital claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from XXXX to collect the debt. I immediately reached out to XXXX to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe Jefferson Capital is acting fraudulently claiming I owe debt that I do not.
Product: Credit reporting or other personal consumer reports

I looked at my credit report early last month and noticed names, addresses, phone numbers, and accounts that were not mine. I started the dispute process with each creditor and all but one agreed that it was not mine. One agency allegedly verified that it was in fact my debt. I called them to determine how they decided it was my debt, and they confirmed with me that my name and social is not in their system having any debt with them. 

During my research I noticed that all of these accounts that were not mine were added to my XXXX credit report on a single day. When I asked XXXX representatives how this could have happened and why someone from California with a long history of good credit and no association to any of the locations where the bad accounts were from could suddenly have this amount of bad information added at one moment and this not cause any sort of alarm bells or investigation on their behalf, they refused to give me an answer.
Product: Credit reporting or other personal consumer reports

LexisNexis receive Money and Compensation from XXXX XXXX XXXX by providing XXXX with a Credit Report on me. XXXX after receiving the Credit Report from LexisNexis then denied me Automobile Insurance. 

Although LexisNexis knew who I was and everything about me when they received Money and Compensation from XXXX XXXX XXXX and provided a Credit Report on me to XXXX, LexisNexis now sas they do not know me.

LexisNexis refuses to give me a copy of any and all of the documents they gave to XXXX XXXX XXXX. 

The Federal Consumer Financial Protection Bureau is a failed agency with failed Management and failed Management Policies that accept any ridiculous responses from Lexis Nexis, then closes the cases of Consumers with no help or resolve and thereby allows LexisNexis to break the Federal Credit Laws of the United States.
Product: Payday loan

The interest was XXXX apr. and would get paid down to around XXXX they would reloan and back to the full loan value which was XXXX plus their interest. We ended up paying it off the loan value paid was around XXXX. Which started out yo be XXXX. Was notified that the place could n't loan in the state of In. not for more than XXXX. Cashcall is the name of bussiness calling to try to collect money back. Then it went into XXXX, Then it went into XXXX XXXX then we got in with XXXX XXXX and made payment arrangements to pay it off thru them. It 's paid in full but XXXX say 's they need their money. What step can we do to get our money back. Thanks XXXX XXXX e-mail me with the answer or call XXXX and talk to XXXX XXXX which handles my finances.
Product: Credit card

Timely payments have always been a priority for me on this account, avoiding any overdue situations. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, this should be corrected.
Product: Money transfer, virtual currency, or money service

I previously have submitted a complaint to PayPal regarding my account being limited access due to suspicious activity. In my CFPB response letter from PayPal inc. they stated that my current PayPal account is limited because they alleged a violation of Restricted activity and hold section of the user agreement. I called today XX/XX/XXXX to PayPal because a supervisor was supposed to give me a callback for a reconsideration because I have showed proof that their security system was a false positive of fraudulent activity on my account. I havent received any callbacks and today I spoke to PayPal collection department which they stated that I still have a negative balance of my previous PayPal account back in XXXX and I advised the representative that I have already payed off that debt which PayPal sold the to XXXX XXXX. PayPal has no legal rights to that account once sold to a debt collector and I have the letter to confirm my debt settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below 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 : States a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have reached out to all companies and all credit reporting bureaus.
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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

On XX/XX/year> at approximately XXXXXXXX XXXX I contacted this agency to inquire about my options for settling the debt owed to them that is over {$1700.00}. 

The agent XXXX XXXX XXXX with XXXX XXXX XXXX did an application and said I was approved to for a settlement option that lessened the amount by XXXX XXXX When I stated to XXXX I would like to choose the settlement option rather than to pay in full she asked why I am unable to pay in full I advised and gave her full details as to why my other bills and obligations would prevent me from being able to pay the full amount XXXX then began to speak to me very rude and stated I was lying about the amount of money I was going to have to be able to pay this debt in full, I told her the exact amount of all my bills due at the same time, XXXX then cut me off and transferred me to another agent without notice and the agent was verbally abusive and would not let me speak and stated settlement is NOT and option and paying in full is my only option even when agent XXXX had told me not even XXXX minutes prior that there IS. A settlement option available for me The second agent then throwing out that I need to borrow money from family or from my ex boyfriend to be able to make the payment then hung up on me and advise they will not help me with a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the heck is your problems is it that important for you to lie about people.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX XX/XX/XXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX