23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a credit card holder with Target for several years with no issues with any payments. Recently I had a reoccurrence of XXXX  and had to stop working and unfortunately had XXXX  on my bank account due to being in XXXX. As soon as I was aware of the issue I called the bank and my credit card companies requesting some assistance due to dealing with covid related issues. The bank and my other 2 credit card companies seen my payment history with no issues for the last several years and waived my returned payment fees. Target on the other hand refused to waive the returned payment fee and offer no Covid assistance per speaking with a Target supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account Number : XXXX, Account Number : 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 Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting

There is a XXXX XXXX XXXX that has been reporting negative for a long time. I disputed it multiple times telling experian that I was released from apartment contract due to a fire that happened in 2009. I tried contacting XXXX XXXX XXXX XXXX themselves to get this taken off and they were n't having it. very rude and would not send me and documents about this account. I asked experian to show me documents proving that it was legit and my but they said they do n't have to prove anything to me. I need this negative off my report ASAP. as XXXX and XXXX both removed it but experian wo n't. I do not have the release form anymore and ca n't get the information to the former management that was running the apartments at that time. without any information I ca n't even try to prove it was released and they are stopping me from any information. As you know the apartment complex always changes management ever so many years. I tried going to the apartment and talking to them and they said there has been like XXXX different management companies.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT Dear CCS Collections, I demand that you cease and desist all attempts to contact me. I have not provided a permissible purpose for CCS Collections to correspond with me. You have violated multiple provisions that you are required to adhere to under the FDCPA. This act was created to protect my rights as a consumer from companies like yours. I have not provided my wet ink signature to you or XXXX for this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. I have not signed a legal binding contract with XXXX or CCS Collections. I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT I DONT OWE YOU ANYTHING! I have contacted the XXXX XXXX, CFPB, and the XXXX XXXX XXXX  to inform them of your unfair, abusive, and deceptive debt collection practices. I DISPUTE THE ENTIRE AMOUNT OF THIS ALLEGED DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX unknown XXXX XXXX XXXX, XXXX Unknown XXXX XX/XX/XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX unknown XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XX/XX/XXXX and they have verification wrong so i can not check on status. XXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.
Product: Credit card

On XX/XX/XXXX I submitted my rent payment using my XXXX XXXX with the rent protection feature turned on. I updated my rent protection payment account on XX/XX/XXXX, however, XXXX did not debit the new account, instead, XXXX attempted to debit the old account on file. I was informed of this issue on XX/XX/XXXX and after several emails and chats, a representative by the name of XXXX confirmed that XXXX would reattempt to debit my account on XX/XX/XXXX. However, on XX/XX/XXXX I received an email from a rep by the name of XXXX asking me to change my account to pay my rent, I emailed him back asking for an explanation but did not get a response. On XX/XX/XXXX I also spoke to a live agent named XXXX, who was incompetent and stated that an account number that's not even mine was debited. I informed them that the information she had was wrong, and she immediately disconnected the chat. A few hours later I received XXXX sent an email stating that my rent was still processing. However, my landlord confirmed that the rent was in fact returned on XX/XX/XXXX. Now I'm forced to pay fees due to this issue. 
I can't speak to anyone to resolve this issue because XXXX doesn't have a customer service line and no one has responded to my multiple emails and chat requests. XXXX needs to resolve this issue and fix my rent payment. I also need to be compensated by XXXX for all the late fees and additional fees I have and will have in the future do to being locked out of my rent portal. If this is not addressed immediately, I will turn this matter over to the attorney general and the FTC.
Product: Debt collection

The debt is from XXXX with the credit card company called XXXX XXXX. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.
Product: Credit reporting or other personal consumer reports

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law 1. XXXX XXXX - Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX 3. XXXX XXXX - Account Number XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX - XXXX 9. XXXX XXXX XXXX - XXXX 10. XXXX XXXX XXXX - XXXX 11. XXXX - XXXX 12. XXXX - XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX - XXXX INQUIRES 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Co - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Request for Investigation and Correction of Credit Report Entries To Whom It May Concern, I am writing to both entities to dispute inaccuracies listed on my credit reports that are managed by your agencies. This dispute is filed under the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and fair reporting of consumer credit information. 

Following my XXXX XXXX bankruptcy discharge, which was finalized on [ Date of Discharge ], Case Number [ Your Case Number ] in the U.S. Bankruptcy Court for the [ Courts Name ], certain accounts continue to be inaccurately reported. Below are the details of the accounts, which should reflect a status of " Discharged in Bankruptcy '' with a balance of {$0.00} : XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy XXXXXXXX XXXX  Account Number : XXXX Current Reported Information : No Data Correct Status : XXXX in Bankruptcy XXXX XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy XXXX XXXX Account Number : XXXX Current Reported Information : No Data Correct Status : Discharged in Bankruptcy Attached are copies of my bankruptcy discharge documentation, including the final decree and schedule of included debts, which verify the discharged status of these accounts. 

I request that LCI Consumer Center and XXXX XXXX XXXX conduct a thorough investigation into these matters and update the records to accurately reflect the legal status of these accounts. I also ask for a written confirmation of the receipt of this letter and to be kept informed of the investigation 's progress. 

Furthermore, I request a copy of my full credit report post-investigation to verify that all corrections have been made. 

Please address this matter with urgency and ensure that the corrected information is reflected in my credit reports. Should you require any additional information or further documentation, please do not hesitate to contact me at the above address or through my contact details. 

Thank you for your attention to this important matter. 

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

The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my credit score and file ) with MRSBPO for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX  XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. Detective XXXX  informed me the following : " I advised XXXX XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX Prosecutors Office to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to XXXX within that time. XXXX requested I pay the deferred forbearance loan upfront. I informed XXXX that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, XXXX reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that XXXX reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the XXXX trial payment XXXX also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with XXXX via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported XXXX to the XXXX XXXX XXXX XXXX services. XXXX quickly responded to XXXX in which they expressed mistakes on their part.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and BULL CITY ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XX/XX/2019 - company called and left a voicemail at XXXX XXXX  on a line that explicitly states it is a shared line using my name and stating theyre a debt collector attempting to collect a debt. 

XX/XX/2019 XXXX XXXX - company calls my personal cell. I answer. First calls me by the wrong name and then corrected himself after I stated it wasnt my name. Asked if I wanted to pay on my debt that they bought from the original debtor, I told him I was considering getting an attorney, that they had left a voicemail on a shared line with explicit details thus violating the FDCPA. He said he was going to talk to his manager. Placed me on hold and then returned and said his manager stated that wasnt a violation of any kind and theyre allowed to leave those voicemails. Then continued asking me to pay on the debt. Did not attempt to resolve the issue and pretended like the FDCPA doesnt exist and theyve never heard of it.
Product: Checking or savings account

My Wells Fargo checking account was closed due to all these bank fees. I paid over XXXX dollars in one yr due to bank fees .that was ridiculous cuz of payments that weren't supposed to go thru but they allowed and still charged me all these bank fees. I was banking with Wells Fargo since 2004
Product: Mortgage

I have already tried to submit tickets to the Lakeview, ticket # XXXX. I was simply asking for a letter stating that they made an error so I can get the issue resolved with the credit bureaus. The Loss Mitigation representative laughed at me and said that they would never admit that they made a mistake and I was wasting my time. He said that they did this to thousands of customers and they explain it the same to everyone. He then disconnected the call. 

On XX/XX/XXXX my mortgage servicer Lakeview approved a forbearance. Due to coronavirus restrictions my wife was no longer able to work. My account was past due for XXXX at the time we entered forbearance. Lakeview sent several correspondence saying that a forbearance would not negatively impact our credit. I understood that XXXX would be considered past due until I paid that balance. I made payments throughout my forbearance to avoid any modification at the end. 
During the forbearance they marked 5 out of 6 months as 30 days past due : XXXX, XXXX, XXXX, XXXX, and XXXX. They also marked XXXX as past due despite bringing our account current in XXXX and ending the forbearance. Below is a timeline of my forbearance : XX/XX/2020 : Forbearance approved XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX, XXXX, and XXXX XX/XX/2020 : I requested to end my forbearance I'm in escrow on another property and they refuse to supply a letter admitting they made a credit reporting error. It doesn't look like I was in forbearance, it looks like a missed a bunch of payments. This just seems so predatory and wrong
Product: Credit card or prepaid card

Received a call from Barclay Card about possible fraud activity. Researched and found 3 fraudulent charges on my account from XXXX. First issue was resolved immediately ; however, the other 2 ( which only occurred ) 2 days prior have taken 4 calls so far to attempt to resolve ( without success ). Each time I call I am told that a new case file will be open to investigate, and on each subsequent call I am told that no case was ever opened. Further, the 2 remaining fraudulent charges from XX/XX/XXXX remain on the account almost 2 months ( XX/XX/XXXX today ). When asked to talk to a supervisor none is ever available, and I am still waiting for one to call me back.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ( XXXX ) XXXX {$3700.00} to be removed from my credit I do not know what this is about.