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

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) Transunion is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late 5. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for a Chase XXXX XXXX business card. I was told I have " a good credit file. '' ( I know from independent checking that my credit score is over XXXX. ) I have no late payments or over-limit spending. I was denied because Chase said I have received too many credit cards from other banks in the past two years, even though they could not tell me what number of cards is too high because, they answered, there is no set number. It could be XXXX, or XXXX, or XXXX. It could be different for each applicant ; meaning that the criteria is completely arbitrary and can be implemented in a discriminatory manner. 
They could not articulate why the number of different cards I have received and used responsibly provides any indication of credit unworthiness. ( I continue to receive credit card offers in the mail. ) Chase said the decision is " not reviewable '' and there is no recourse. I asked : with which regulatory body I could file a complaint? Chase said my complaint was not a " regulatory issue, '' so there was no government agency with which to file a complaint, but offered only the XXXX. Chase said they could take an internal complaint, but could not tell me of any impact or process that complaints generate, other than that they are sent to an " escalation '' department. But I would receive no response, clarification, review, reconsideration, etc. 
Chase 's credit-issuing criteria are very non-transparent, arbitrary, and potentially discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance Huffman added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
Product: Checking or savings account

I see a lot of unauthorized card use on one of my debit cards. Starting from XX/XX/XXXX a charge at " XXXX XXXX XXXX '' up until recently a charge on XX/XX/XXXX for " XXXX ''. I also have a bunch of what looks to be overdraft fees associated with this purchase. 

My account is now in the negative due to this. How can this be possible that someone can use my money like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I didn't know if a XXXX XXXX debt on my credit report till my mortgage loan officer said I needed to pay it. I paid the debt XX/XX/XXXX of {$180.00}. I requested a letter ( per my loan officer 's request ) stating that the debt was paid in full & will be taken off my credit report. Diversified Consultants emailed me a letter stating the debt was paid but not that it will be taken off my credit report. I called and a very hateful lady answered, saying they don't take it off the report. I asked if they put it in the report & said she yes but they don't take it off. I asked who does so I could contact them since this is the ONLY thing on my report that is stopping me from being able to close on my house. She said she didn't know. I asked when will they report to the credit bureau that the debt is paid, she said 30-45 days. I said I can't wait that long but she didn't seem to care & told me the conversation was over. My complaint is that this collection agency is quick to report but after the debt is paid in full, they don't really care to help to get it off of your report. & to top that when they reported the debt my score dropped 19 points which also disqualified me for the USDA loan. This is so wrong on so many levels & someone needs to do something about it. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN UNAUTHORIZED ACCOUNT ON MY XXXX AND EQUAFAX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX XXXX REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY XXXX REPORT AND EQUAFAX REMOVE AND BLOCK XXXX XXXXXXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH XXXX AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..
Product: Mortgage

Last month, our mortgage provider switched to Select Portfolio Servicing. The name of our road was changed a good ten years ago ; Select is unaware of this. We have a main house and two small structures on our property -- this is the way it had been for around 15 years, yet Select is unable to understand this. I can not explain over and over again that the name of our street was changed over a decade ago. I can not explain over and over that we have a main house with two smaller structures.

This is more than annoying -- for 18 years much of our insurance coverage had been paid via our escrow account. Because of Select, I have had to pay a substantial amount for coverage from my own pocket. This has never happened before in all the years we've lived here -- and I'm simply can't afford to suddenly pay for this coverage out of pocket. 

The switch to Select has been a disaster.
Product: Debt collection

XXXX XXXX XXXX represents Midland Funding , LLC. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from XXXX XXXX XXXX, at XXXX XXXX, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from XXXX XXXX XXXX. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Mortgage

Forced, into Bankruptcy XXXX XXXX due to the multiple loan modification denials from loan servicer, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( trustee for XXXX ). Their assignee 's ; Barrett Daffin Frappier Treder & Weiss, LLP ( aka BDFlawgroup ) continue to market, postpone the Trustee Sale of our home, during the proceedings of XXXX Bankruptcy / case no. XXXX filed XX/XX/2023. XXXX XXXX has posted over {$17000.00} of mortgage payments while in XXXX. Soon they will be paid in full. 

BDFlawgroup, marketing our subject home for an Trustee Sale ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Numerous, harassments, letters to sell our home continuously while in XXXX. 

We believe, BDFlawgroup and their assignee 's are in VIOLATION OF FEDERAL LAWS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I was loaned XXXX dollars on inboxloan.com and spoke with a person to get the loan. He simply told me I was to pay XXXX dollars plus interest. Well turned out I was able to login on the website the day I got the loan and before I got the loan. The day after I got my loaned they simply closed my account. Well actually it wont let me login. But I know they secretly shut it down or something cause other people had the same issues with login. Also issues with talking to customer service they simply hang up. I was charged 799 % interest and was shocked. The agreement they just had me sign and they said everything on the agreement was covered from over the phone. My XXXX dollar loan ended up me owing 4000+ dollars back. I will never do a loan ever again this is straight robbery and I do believe my information is being sold.
Product: Credit reporting or other personal consumer reports

This company is awful to work with. They reported a XXXX day late payment on my credit report which is incorrect and refuse to correct or remove it. I have documentation that payment was made on time. 

XXXX banking : XX/XX/XXXX ( XXXX ) External Withdrawal SLS Mortgage Pay - Web Pay XXXX Principal : {$710.00} Interest : {$0.00} Escrow : {$0.00} Escrow Balance : {$0.00} LateCharge : {$0.00} Unapplied : {$0.00} Principal Balance : {$72000.00} XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX  ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Electronic Payment - Autopost
Product: Credit reporting

EQUIFAX HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EQUIFAX ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
Product: Student loan

I took out a private personal loan from American Education Services in XX/XX/XXXX when I was XXXX XXXX XXXX. The original loan amount was for {$13000.00}. I started making monthly payments when I graduated from college in XXXX. I have paid every month and on time for XXXX  years as I am now almost XXXX. 
According to AES and my online account, I have paid them : XXXX in principal and $ XXXX interest in the last XXXX  years, but they still say I owe them {$10000.00}. 

I have paid them triple the amount I actually borrowed. They continuously change my interest amount every three months, which increases my payment and then increases my loan payoff date, so I can never actually obtain a loan payoff. At one point, they said I would have it paid off in XXXX. Now it says XXXX. 
I have attached screenshots of my account which shows my account number, name, loan details, and what I have paid them to date.
Product: Checking or savings account

There was fraudulent activities on my account with small amounts of money being taken from my account that later turned into large amounts ( $ XXXX- {$20.00} turned into $ XXXX- {$500.00} ). I called their dispute line to bring it to their attention and they did absolutely nothing about it. Then, on XX/XX/XXXX of XX/XX/2020, Chime Bank closed my account without any direct or clear reason. I tried to get in contact with them through their support email and Chime ignored several of my attempts so I then proceeded to contact the attorney general office and file a claim. They continued to ignore me until I brought to their attention that I was opening a case with the attorney general. Then they proceeded to tell me that it would take 30 days not including a 14 day processing period to receive my funds. Ive yet to receive this check in the mail that they had promised me. This was the main bank I was using to get my direct deposits from work deposited into. I had a loan that was deposited into that account for over {$6000.00}. My rent ended up being late because they rejected my automatic withdrawal. Im behind on credit card bills, loan payments and wasnt able to renew my lease with my apartments due to this inconvenience. Im currently XXXX and living with a friend. This has given me XXXX and XXXX out of this world. Im at my wits end with this.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX that they had a data breach and gave me 2 years of coverage with XXXX. On XX/XX/XXXX there was an inquiry saying it was for Bank of America but I do not have any accounts with them or applied for any type of credit with them. XXXX told me to contact you to inform you of this activity. Below is the inquiry information. 

Alert Type : Inquiry - New Inquiry Found On : XX/XX/2024 Why am I receiving this? 
XXXX XXXX monitors your credit to detect signs of identity theft. You have a new credit inquiry on your credit report. When you apply for new credit or a loan, and the creditor/lender views your report as part of their decision-making process, it's called an inquiry. 
Additional Info Details SourceXXXX Alert XXXX Inquiry XXXX NameBANK OF AMERICA Phone XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you recognize or authorized this activity, no action is required. What if I don't recognize this activity? 

Don't worry, there are steps you can take! 

Contact the creditor - this may clear up what's happening Review your credit report for new activity Dispute the account information on your credit report
Product: Credit card or prepaid card

My prepaid card was charged XXXX for a fraudulent purchase. The purchase was Made at a XXXX in a city I have never visited. After communicating to American Express Serve that this was not a valid purchase the transaction was approved anyway. I filed a claim for fraud with American Express Serve and was told it would be resolved by the XXXX of XXXX. I never heard back from the company. I called on the XXXX and was told to check back on the XXXX. Checked back on the XXXX and was told to check on the XXXX. Called back on the XXXX and still no resolution. They will not share the findings of their investigation via email or phone. I just want my money back.
Product: Debt collection

Received request for debt payment from Columbia Debt Recovery ( dba ) Genesis Credit Management. Requested details on debt and no information provided. 

Columbia Debt Recovery has reported a debt in my name to credit agencies in the amount of {$5700.00}. 

Genesis Credit Management has reported a second debt in my name to credit agencies in the amount of {$5800.00}. 

I do not owe either of these companies any money and my credit score has dropped XXXX points since they have reported. No validation of the debt has been provided and they are attempting to collect a debt in a state in which they have no license ( New York ) to collect debt. I spoke with them yesterday to let them know the debt is not mine and to stop reporting it to credit agencies and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under Capital One Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Capital One Bank on more than one occasion they could not assist with resolving this matter.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect
Product: Debt collection

I have tried to speak to SYNCHRONY BANK to no avail. They are trying to charge late fees of a debt owed that has been in good standing. The Governor of Michigan shut down the State for 90 days, and i tried to talk with Synchrony Bank twice since the COVID-19 and SPOKE TO FOREIGN CALL CENTERS AND WAITED ON HOLD ETC. 

I asked to speak with management today XX/XX/2020 at XXXX and was hung up on after waiting on hold for 15 minutes. The CSR was of XXXX Decent Named XXXX. 

All that said, if these financial institutions think they are going to bully the consumers from Government Shut Downs they are sadly mistaken and if they mess with my CREDIT SCORE there will be more involved then a simple request in XXXX period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit bureaus, XXXX XXXX, XXXX, and Experian that this account is over seven years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX According to FCRA section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report immediately