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

XXXX XXXX XX/XX/XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions
Product: Credit reporting or other personal consumer reports

My Account was paid off or closed and still on my report
Product: Debt collection

Dear CFPB XXXX, I kindly request your assistance in addressing an ongoing issue with XXXX XXXX. I have been persistently harassed by XXXX, as they continue to demand the return of an item I have already returned. I have a confirmation email verifying this return. Despite my repeated effortsthrough calls and emailsto resolve the matter, I have received no response from XXXX. 
Yesterday, I received a letter from a collection agency demanding payment for the item I had already returned. The confirmation email is attached for your reference. I have repeatedly informed XXXX via calls and emails that the devices were mailed back as required. However, I continue to receive harassing communications through mail, email, and phone, with threats to escalate this incorrect bill to a collection agency. 
This ongoing issue is a result of XXXX 's error, negligence, and failure to resolve the matter despite my clear and repeated attempts to clarify the situation. The unnecessary stress and harassment caused by these actions have had a negative impact on my mental well-being. 
Given the circumstances, I am requesting compensation of {$1000.00} for the stress, inconvenience, and psychological impact caused by this situation. I urge XXXX to address this issue immediately and ensure it is resolved without further escalation. 
XXXX XXXX. XXXX Thank you for your attention to this matter.
Product: Debt collection

I WAS notified that my accounts was charged off. then i found out they had to send me a 1099-C i sent a letter to them with no response. on XX/XX/year> i sent 4 letters to the company XXXX, Unfair. {$5600.00} XXXX, Unfair. {$3500.00} XXXX, Unfair. {$2500.00} XXXX, Unfair {$2800.00} to this date there has been no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent. There are unauthorized inquiries on my credit report I do not recognize.
Product: Credit reporting or other personal consumer reports

Was sold to resurgent. My Id does not match up with the id used to open the loan and the address used to open the loan is not mines as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XXXX to be correct. He was using my identity from XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc ic3 and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.
Product: Mortgage

About inspection fee. I called bank of America to let them know that I will be late on my payment before the due date about XXXX days before they should send any body to inspect my home. But they charge me for that which is not right. If I did not call they can charge me but I called already, they should not send any one to inspect my property.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit reports caused by identity theft, which have severely impacted my financial well-being. Fraudulent accounts, including XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX, and numerous unauthorized inquiries such as XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX ( multiple ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, appear on my credit reports . Incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX, IL, and XXXX XXXX XXXX XXXX, XXXX, MN, and an employer, XXXX XXXX XXXX XXXX, have also been falsely attributed to me, while my actual address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. These inaccuracies violate 15 U.S.C. 1681e ( b ) ( requiring accurate reporting ), 15 U.S.C. 1692g ( creditor notification within 5 days ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( failure to validate debts ). Further, under 15 U.S.C. 1681c-2, I am entitled to immediate removal and permanent blocking of these fraudulent entries, yet despite submitting supporting documentation ( police report, proof of identity, and certified dispute letters ), no corrective action has been taken. I demand the immediate removal and blocking of fraudulent accounts and inquiries, correction of inaccurate information, and compliance with federal law to prevent further damage to my credit. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This company reached out to me on XX/XX/XXXX threatening to take me to civil court for a debt. I inquired about this debt and they said it was a line of credit from XXXX that I had opened. The original debt they said was approx. {$3500.00} but is a lot more now without giving me a number. They said this is from JP Morgan Chase. I let them know I never had an account with JP Morgan Chase. Once I hung up I called JP Morgan Chase and they verified that I have never had an account with them. Furthermore, they can not collect on a debt from 21 years ago. OR even the default date in XXXX is still 19 years ago. They can not supercede federal law with any toll provisions they may have. They refused to provide me a copy of the original contract as well. Also, I check my credit reguarly and this has never appeared on my credit report. I feel this is fraud meant to intimidate people into paying.
Product: Credit card

macys/dsnb according to XXXX is still reporting 60 and 90 day late pays i have a letter from macys stating it was all taken care of but XXXX is blaiming macys/dsnb will enclose copys for you want the 60 and 90 day late payments off of my credit report
Product: Debt collection

I asked XXXX to give me a quote for internet, they asked for my social security and ran my credit, I never signed anything and ended up buying internet with XXXX, now I find out I have a collection from XXXX from 11 CHARTER COMMUNICATIONS LLC for {$170.00} I don't owe this company anything and because they put a collection on my credit report I have been in a very bad situation. 
I made a dispute trough XXXX XXXX and they responded I owe this but I don't. 

this is the collection information : Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name CHARTER COMMUNICATIONS LLC Date Assigned XXXX XXXX XXXX Original Amount Owed XXXX Amount XXXX Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency 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 am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Product: Student loan

XX/XX/2019 I contacted Navient regarding and advertisement on social media that reads .... Ripped off Borrowers by Sallie Mae & Navient are now APPROVED to remove ALL STUDENT LOANS with NEW 2019 FORGIVENESS PROGRAM- This happens ONCE every 100yrs- APPLY now before its too LATE. NAVIENT targets in Class- Action Lawsuit Accused of misleadIng customers about Loan FORGIVENESS.. Upon contacting Navient I asked them about the statement above and I called them seven times and they disconnected the phone call. I was calling to get my Loans removed and was unsuccessful at anyone giving me any information regarding how they could or couldn't assist me. I would like for all of my Student Loans to be dismissed including all occurred interest. My Loans are currently in deferment and want them removed asap. I Will also report this to the XXXX for feature reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 
TransUnion-Bankruptcy # 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 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting the information is coming from the court house when its not its coming from a third party that is reporting under the us bankruptcy court name
Product: Checking or savings account

My Targeted EIDL Advance was deposited into my personal checking account. Chase Bank froze all of the funds and would not tell me why. I supplied them with an EIN and my SSN ( which I used to get the loan approved ). This is a very bad business practice and should not be allowed. It was more than just about the money for me. It was that Chase did not believe I even deserved an explanation. I hope this helps someone in the future. Best advice is to not do business with Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed 2 active and open accounts from my credit report and dropped my score drastically.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. 

The accounts in question are as follows : LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA.

Additionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications.

I have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation.

If these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.
Product: Debt collection

I was sick with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Product: Debt collection

I was a victim of identity theft XXXX XXXX XXXX two acount, Bbva Compass bank /XXXX XXXX XXXX two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the  Attorney General XXXX XXXX. I wrote to the XXXX XXXX I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least Bbva compass bank / XXXX XXXX XXXX I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.
Product: Mortgage

After a review of Bank of America and their third party representative issued documents, it has come to my attention while the current single point of contact was previously assigned as the single point of contact in XXXX XXXX through XXXX XXXX, this home loan mortgage account was incorrectly tagged, coded, and forwarded to foreclosure resulting in the XXXX XXXX recorded Notice of Default and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Apparently, XXXX was allowed to purchase the mortgage note once XXXX XXXX XXXX XXXX XXXX XXXX represented the home loan mortgage account was active in foreclosure. 
Sometime in XXXX XXXX, Bank of America through their third party home loan servicer, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, incorrectly authorized this home loan mortgage account to be removed from the modification, loss mitigation, and workout processes and began the foreclosure process as evidenced by the Bank of America form entitled California Declaration of XXXX XXXX, XXXX and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Bank of America representatives XXXX XXXX along with Assistant Vice Presidents XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, all played active roles in removing the Cease and Desist Collections tag and code placed on this home loan mortgage account on XXXX XXXX, XXXX from this account clearing the way for Bank of America violations of various established consumers protections including, but not limited to, RESPA and TILA enforced by Regulations X and Z, MHA HAMP guidelines, and the XXXX enforced by the California Homeowners Bill of Rights ( CalHBOR ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXX  account with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXXXXXX XXXX XXXX  with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized 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 which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had to use the credit card to Pay XXXX XXXX and found out they had billed through XXXX and XXXX XXXX. 
So I didn't pay them off
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS # XXXX birth XXXX contents of Complaint This CFPB complaint has been filed to request pursuant to FCRA s 605B ( 15 U.S.C. s 1681c-2 ) that you Equifax credit reporting agency provide the method of be for items disputed in my recent complaint. Under the Fair credit Reporting Act ( lFCRA ) s 611 ( 15 U.S.C s 1681 ) I have the right to know the method and source used to verify the disputed information on my credit report. Please provide the following within-4 days of receipt of the letter. The sources of information used to verify the disputed items. Documentation or evidence supporting the verification. Ad detailed explanation of your verification process if you are unable to provide this I request that items in question be immediately deleted from my credit report, as required under FCRA s 611for unverifiable information. Non-compliance will result in legal action for willful and negligence items claimed to be verified, along with previous FTC report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

I have repeatedly requested that Chase bank lower the interest rate on my credit card to at least the interest rate with the other cards I have with them. The card in question has an APR of 28.74 % whereas every other card I have with Chase has an APR of 17.49 %. There is literally no justification for this excessive and abusive rate. I am requesting an immediate reduction of the APR on this account to at least the APR of my other credit cards with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

chexsystems continues to report information i have proven is fraudulent and illegal. 

15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date.

The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed.

The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.