23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 the 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Debt collection

I was billed an enormous amount from XXXX XXXX XXXX. I received the first statement XXXX XXXX, XXXX. I sent them a letter on XXXX XXXX, XXXX explaining the exorbitant charges which were not in line AT ALL with what should have been charged. I did not receive a response until XXXX XXXX, XXXX from XXXX stating that the charges were billed appropriately XXXX XXXX XXXX. I then received a letter on XXXX XXXX, XXXX stating that the account was reviewed and that I still owed the {$1100.00}. I sent payment of {$160.00} on XXXX XXXX, XXXX. Since that time I have received XXXX communication from ANYONE about the balance. I just, today XXXX XXXX, XXXX, received an alert that my credit score dropped XXXX POINTS! When I checked my credit report from XXXX, I saw that I had an outstanding collections from a company I had never heard of in the amount of {$1000.00}. I called this company and they stated they sent communication on XXXX XXXX - WHICH WAS NOT SENT! I took care of the debt today, but this should NOT be on my credit report or negatively affect me as I had NO knowledge that this was even an issue or should have been collected once I did not receive ANY communication after a payment was made.
Product: Debt collection

XXXX XXXX XXXX  XXXX {$7700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Mortgage

XX/XX/XXXX- submitted the following documents via the Lakeview, my current loan servicer ' website with the assistance of representative who was on the phone with me ( XXXX XXXX XXXX XXXX ). I used the loan servercer website customer request portal under the contact us feature. I recieved no information about the documents submitted, no confirmation it was recieved and the loan servicer made no effort to adjust my raxes accurately despite my request. 

XX/XX/XXXX, After two months withput progress, I reach out agains and spoke to a representative who said the conatxr us feature was out of service in XXXX and all documents sent were not recieved. I again submitted my XXXX XXXX XXXX XXXX as instructed, via the website. 

After waiting two weeks the loan service has made no attempt to assist me and or resolve the issues. I reach out again on XX/XX/XXXX and spoke to a representative who stated that they recieved the documents however there is no further information and instructed me to resubmit the document via fax. 

I have tried for the last three months to get this resolved and it seem the loan servicer is not interested and or is unwilling to make the necessary corrections to my mortgage taxes so it is accurately reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with Nissan Motor Acceptance. The settlement was handled and process through a 3rd party, XXXX Solutions. The account originally charged off in XX/XX/XXXX. After receiving the XXXX settlement Nissan updated my credit report reflecting a missed payment for XX/XX/XXXX that is incorrect. My final payment was set up for XX/XX/XXXX and was drafted from my account on the XXXXThis FP ( failure to  pay ) or CO ( charge off ), depending on what bureau is reviewed needs to be removed. It reflects a recent delinquency which is false and negatively impacting my credit further. My final payment was due in XXXX on the scheduled date and successfully processed. I want all my bureaus updated correctly and not to include false information. Nissan assured me that there would be no new negative activity, but only an update that account was settled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX requested to have all old addresses removed from my account, accounts was never removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

My address and phone number both changed. When trying to close the account, the bank would not let me change my address. In order to do that, I needed to be verified on my phone number, which I didn't have access to anymore. The only way the bank said I can close my account is either through mail in writing or by visiting a physical branch. I couldn't visit a physical branch due to being in a geographic area far from any physical branch. In addition, I can not do it in writing because I didn't know my account number. I could not be told my account number, and I also can not access my account number online because I forgot my password and can not reset it as my old bank merged with a new bank and the new bank does not have my old bank 's information. Also, because I'm unable to access my account online, I can not opt out of the " paperless billing fee ''
Product: Debt collection

i get collect from this company, my payment never was late, i already pay 5 years ago and they continue show on my credit reports XXXX, can you please delete thanks company name HELVEY & ASSOCIATES IN
Product: Debt collection

This is the " 3rd '' attempt to FRAUDULENT use of my address to purchase an XXXX at a cost of {$830.00} that was mailed to a different address at : XXXX XXXX XXXX XXXX, XXXX. 
Tracking # XXXX Paypal or a Pay Pal hacker is sending these notifications for purchase made. This is a FRAUD AND THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the court which has been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avantus Llc reported I incorrect inquiry on my credit report on XX/XX/2019 I didn't sign any documents for them to pull my credit report by the fair credit report act it should be removed from my credit report if it can't be validity by the original sign document
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Community loan service reported me late while on forbearance which has since been corrected. However iam still showing 6 late payments that were never late and company seems to act ignorant to the fact they dont care they are ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX XXXXXXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX  : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) Enhanced Recovery CO XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two separate complaints to XXXX  and XXXX  about information being reported twice from the PHH mortgage since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with PHH, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted PHH Mortgage and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.
Product: Debt collection

CREDENCE RESOURCE MANAGE Account : for {$1300.00}, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CREDENCE RESOURCE MANAGE and do not have a contract with CREDENCE RESOURCE MANAGE They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CREDENCE RESOURCE MANAGE continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to apartment and was denied for the following reasons. 

Wells Fargo- Reason of dispute- Never had an account with them I am a twin with a lot of problems. My sister had an account with them. 

Her name is XXXX XXXX XXXX XXXX
Product: Student loan

First - it took 3 years to consolidate because  Fedloans h ad trouble getting someone to process paperwork, they requested multiple copies of documents due to lost forms by them. Now,   XXXX   renewal of  XXXX . Was sent documents  XXXX , not due til  XXXX  ... .posted on site    XXXX   . Documents they gave to me and documents requested. It is now    XXXX    and I have been calling them each week. A supervisor states each time documents are correct and complete. They do not understand why this has not been completed yet ... .my payment should be  XXXX  same as last year. Now I am crying everyday, I am a single mom and found out today they are denying and wanting same paperwork again. They are going to take  XXXX  out of my account because they can not process paperwork and I will lose my home because of the payment and  Fedloan  not doing their job correctly. having trouble typing cause I am crying. Is there someway of making this go away? I can not handle this every year ...  .the threat of losing everything because they are incapable of doing their job ... PL EASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that's listed are not my accounts
Product: Credit reporting

I spoke with a representative from United States Senator XXXX office regarding credit errors on my credit report. I was informed by Senator XXXX 's representative that they spoke to Equifax representatives and they would review my credit report immediately and remove the unauthorized and fraudulent accounts listed on my Equifax credit report because the accounts do not belong to me. Review the letter from Senator XXXX 's office attached to this complaint.
Product: Credit reporting or other personal consumer reports

When I attempted to log into Experian to thaw my credit freeze, I was unable to log in. My account had been taken over - the account recovery workflow was directing me to login info sent to an email address that is not mine. 

There was no way to get support to fix this issue. All phone numbers associated with the company went to the same robot assistant, which had no option to address my issue, and no way to contact a human. There was no chat bot, no email address for customer support, etc. 

I finally was able to take my own account back over by signing up for a new account with my same user info, which overwrote my account. While I'm grateful that it worked, since I was unable to get any support from Experian to resolve my issue, this demonstrated a hilarious lack of security. I would cancel my business relationship with Experian if that were in any way possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reportincg act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602a 15 usc 1681 section 604a 15 usc 1681c a 5 15 usc 1681s 2 a 1
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 noticed a Fraudulent account from XXXX XXXX XXXX Throughout my Equifax and XXXX reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is unable to access my equifax application. Many of Equifax employees have been telling me there is no freezes many but yesterday they removed a freeze and this morning a supervisor removed an internal block that he claimed was the problem. This did not fix problem Lender still does not have access to my equifax report.
Product: Debt collection

On Friday XX/XX/year>, I received an email from my Job stating my checks will be garnish by Shaffer & Associates, which is a third party collection agency. The claim against me has be debt that was accumulated for over 10 years ago. Due to the lack of notice, I was never made aware of any court orders nor any summons of when this debt needed to be paid. After conducting my research, I reached out to XXXX XXXX regarding the allegations made towards me. It has seemed to be that this claim could not be found. Furthermore, I contacted Shaffer & Associates to settle the debt but Shaffer & Associates had to reach out to the owner of the property and no response has been made. XXXX Shaffer & Associates ) was never affiliated with the original buyers and Due to the statute of limitations of this debt this should deem to be unruly for Shaffer & Associates pursue me after all these years.
Product: Debt collection

XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why?
Product: Money transfer, virtual currency, or money service

I cashed out {$5100.00} from XXXX to my online Dave banking account on XX/XX/23 at XXXX XXXX. The money was not received as Dave advised the transaction rejected due to being over {$1000.00} limit. Dave advised the amount will be returned to the sending party. XXXX has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.