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

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

Today : XX/XX/XXXX. I called in, answered about XXXX questions to qualify me & they refused to update the address & phone number -- -this is IRA XXXX XXXX XXXX of mine -- a very lot. They refuse to not give me access or even a statement of balance for a CD that renews someday ( I can not tell when ), I regard this bank, CIT Bank, as a bunch of dishonest bankers. This bank is a Division of FIRST CITIZENS OF XXXX, CA. 

They are doing this on purpose to drag out & keep my money so they can earn extra interst on it when the account matures -- -by saying my address & phone number are " unqualified/unproven ''. 
Nothing but dishonest, disgusting bankers. 

The account number is XXXX. 
My CD expires XX/XX/XXXX -- it pays a below market rate of interest. 
I have been with this bank many, many years.
Product: Mortgage

The are harassing me indicating my mortgage is late. I completed the FHA Streamline Disaster Trial Period for which and I finally received my modification papers fro which I signed and had notarized on XX/XX/2018, sent that very day. It indicating my payment would be {$950.00} ( P/I of {$660.00} and Escrow {$280.00} ). And I continued to make payments was short whereas when I calculate what I paid vs what was paid out for T/I, I am well overpaid. Now they are saying on top of the escrow shortage, my mortgage is $ XXXX higher than what it was!? ( This is literally around the balance of my mortgage on the was around the balance of my mortgage on my XX/XX/2018 statement - I have copies of everything )! I was even getting charged monthly inspection fees when they weren't actually doing he inspection. They could not provide me only provide me with 1. I made several calls with only a few being returned. So I when I did speak to a CSR, I was told to report XXXX XXXX to HUD for which I did, only then did she start to respond since I sent email notification to the " Escalation department '' and CC her indicating. I have yet to hear back from them. It has been 517 DAYS and they still cant get this right. I am at whits end!! I don't even have access online to view what they are doing to my /account. Like they are being shady and hiding something. I told XXXX I AM NOT LATE, do not harass me and tell me I am and then she proceeds to tell me she will note I don't want to received ANY calls. NEVER did I say I didn't want to receive calls, I don't want the harassing calls saying I am late when I am not!? This is what happens when people are not capable of doing their job.
Product: Mortgage

I entered a modification with Selene Finance in XX/XX/XXXX and never recieved any statements or tax documents for 2 years. 6 different times as in attached summary i tried to reach out to Selene about no statements or tax documents and informed them that I had no lawyer ( which was always their reason for not talking to me.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX were dates of contact there were a few other calls not documented to.on XX/XX/XXXX and XX/XX/XXXX XXXX  told me all she had to do was send a document to law firm and wait 20 days for their responce to remove them from file so someone would talk to me as id had someone sneaking around my home taking pictures scaring my girlfriend to death saying they were from Selene finance.XXXX said the reason for that was i was 2 months behind on payments until she looked up account and no I see youve made all payments. 
Transfered to XXXX -- -- -- cant talk you have a lawyer.Informed them on XX/XX/XXXX and XX/XX/XXXX that there would be no more payments made until my questions were addressed. Letter was also sent with payment on XX/XX/XXXXand XX/XX/XXXX stating the same. On XX/XX/XXXX got message to call Selene and a letter of default and intent to accelerate. Called on XX/XX/XXXX sent to XXXX voicemail, same everyday until XX/XX/XXXX.XXXX says lawyer was removed and sent mw 2 years of tax documents and a statement.Check for februrary was mailed out same day. Seleene says they cant accept payment fill out a packet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters back in XXXX concerning my credit report on Equifax there are incorrectly reporting accounts that shouldn't be reporting on my file due to the info on accounts is inaccurate and some of the accounts do not belong to me I have attached my dispute letters i sent out to the credit bureaus. 

I have no knowledge of the collection account XXXX XXXX XXXX communication account number XXXX I also have no knowledge of medical collection which was supposed to be removed by the collection agency with account number XXXX There are also XXXX inquires on my credit report that I never authorized due to my credit report was suppose to be frozen by equifax but ended up having a split file for XXXX XXXXXXXX and XXXX I also put in a request for them to have validated a incorrectly reporting account from XXXXXXXX credit card XXXXXXXX these disputes have been unanswered as of today per fcra guidelines these dispute should have been responded to ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened an account on XXXX XXXX XXXX, and has reported my information to the credit bureaus without my consent. XXXX is reporting inaccurate information on my report because of this information.
Product: Debt collection

I was a victim of identity Theft. Someone has used my personal information to fraudulently to open accounts using my social security number and my identification. This situation at the end of last year XXXX in XXXX. I request the following information be removed from my credit report. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from Identity theft 605B, I demand this item be blocked and removed from my credit report. I have been fighting for the las 11 months, sent police reports and multiple letters with those reports to XXXX and every time these people change the balance owed and the account still shows hurting my credit report. I am in the middle of refinancing my house and I have not bein able to because they keep on reporting this debt on my file. Here is the name and the amount they claim I owe them : MONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Balance : {$43000.00} According to what the FRCA XXXX the credit bureau and the creditor have XXXX business days to remove this from my credit report from the receipt of my initial dispute and since XX/XX/XXXX of this year still they have not taken it out. I am very frustrated with this because I am supposed to be protected by this Law and yet I am here risking losing my house because I am not able to refinance the existing loan which is impossible to pay monthly.
Product: Credit card

Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate.
Product: Debt collection

I received a letter from XXXX XXXX XXXX  I a re XXXX XXXX XXXX XXXX XXXX  demanding {$150.00} or Settlement of {$95.00}. This is an attempted Shake down for a debt discharged In chapter 7 bankruptcy as of XX/XX/2017. I have not attempted to contact this entity So as not to validate this Matter unwillingly because it is invalid due To the discharge afforded by the XXXX XXXX XXXX This Company is trying to perpetrate A fraud during this tax season, As is in common by Collection agencies.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$740.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXXXX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. Thank you.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : XXXX XXXX  and XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 usc 1601b. I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted XXXX  and XXXX about accounts verification and they have not provided me with any detailed information about any of my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than XXXX XXXX XXXX. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States Department of Education/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.
Product: Credit reporting or other personal consumer reports

TRANS UNION CREDIT BUREAU IS REPORTING INACCURATE INFORMATION ON MY REPORT : XXXX ) XXXX & XXXX XXXX  AMOUNT SHOWING : {$79000.00} DATE : XX/XX/year> ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT SHOWING : {$280.00} ACCOUNT # : XXXX DATE : XXXX / XXXX / XXXX  LIST OF INQUIRIES : XXXX XXXX  / XXXX : DATE : XX/XX/year> AND XX/XX/year> XXXX XXXX : DATE : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/XXXX, I attempted to make a purchase from XXXXXXXX XXXX XXXX  online which gives the consumer the option to use XXXX  as an option for payment. XXXX is also affiliated with Affirm. At the time of the transaction, I was eligible to spend XXXX. The purchase amount was for around XXXX. At checkout, I chose XXXX for the payment option. I went through the checkout procedure and was requesting the items be shipped to a family member as it was a gift, and their address is not mine. Mind you, my Affirm account is only registered to me at my mailing/billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Needless to say, the transaction was declined from XXXX. I received a notification from Affirm telling me that the installment loan was declined because they couldnt verify my identity. The notification was addressed to the family member- XXXX and not me. First of all, the family member doesnt have an affirm or XXXX account. Therefore, I contacted Affirm by email inquiring about the declination. And to let them know that they had the consumer name wrong for the installment loan application. Affirm basically told me that they couldnt do anything about it and that I would need to wait 7 to 10 business days for any updates to be corrected on my account. As a result of this transaction being denied, my spending limit went from XXXX to XXXX even though I didnt have a loan to repay or merchandise to show for the decease in spending limit. Affirm told me their system only updates every 7 days. Meanwhile, Ive never been delinquent on any installment loan or late on a payment. Today, XX/XX/XXXX, i use their app to change my online password to my account which I do once a month. However, today I was locked out of my account and have no access. I called Affirm immediately and was told they cant do anything on their end for technical issues and I can call them back in 5-7 days for any updates. I would like access to my account, I would also like for them - XXXX  affirm to fix the loan status and fix the loan application so that it doesnt affect my credit being that my name is XXXX XXXX XXXX not XXXX who was going to be the recipient for the order. In addition to, I would like affirm to adjust and correct my spending limit to the restored amount. And, I would like notification sent to me that my account is in good standing and that payments on all loans have been accounted for in the last 30 days effective XX/XX/XXXX to present. Its very inconvenient that Im being punished for the glitches in their system.