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

in accordance with the Fair Credit Reporting act 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 XXXX XXXX acct # XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXX  ) or XXXX XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}
Product: Mortgage

We have tried since XX/XX/XXXX to resolve this issue with our present Mortgage Company, PNC Mortgage, as well as reaching out to the previous mortgage company ( XXXX ) and the appraisal company we were given of XXXX XXXX ( now known as XXXX  ). 

We received a mortgage bill that included a line item for " Past Other Fees '' for {$390.00}. There was no separate invoice or letter explaining what this sudden charge was for. We contacted PNC on several occasions to get an explanation and we requested by phone for a separate bill advising us what the charge was for. We were finally advised on a long call with a customer service representative that this was for an appraisal done XX/XX/XXXX for XXXX XXXX ( previous mortgage company ) by XXXX XXXX. No one could tell us why PNC was charging us for this now, after 5 years. No one has let us know whether this was paid, or why PNC is billing us for it 5 years later. We did find out from XXXX that XXXX did order an appraisal when the PME was dropped, but we don't know whether we were notified when this happened ( or billed or should have been ), we still do not know whether XXXX paid XXXX  XXXX or no one was paid, and if we were supposed to pay why we were not officially notified and billed. 

We are submitting a written request for information today to PNC as we are still waiting from our calls in the Spring XXXX to find out who paid who -- or not. 

We are willing to pay this bill, if it is correct and we have all of the information in a letter and or invoice detailing what we are being charged for and who was paid. 

We do not want this to effect our credit, nor our good standing with our loan ; however, we are getting concerned that we have still not received the information we requested in writing from our many phone calls.
Product: Payday loan, title loan, or personal loan

During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. 
XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims.
I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

It is important to note that making a threat of legal action without the intent to follow through is unlawful. Please understand that I am fully committed to pursuing legal action against your company. Despite my repeated requests for you to investigate and correct the inaccuracies in my credit report, you have consistently failed to do so. 
According to my understanding of the law, you are obligated to investigate and address every request for correction of erroneous information. Your continued disregard for my previous requests is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides legal recourse for consumers and imposes penalties and liabilities on consumer reporting agencies and information providers for non-compliance. 

As previously mentioned, this is my final request for you to comply with the FCRA. Should you fail to conduct a thorough investigation of the disputed accounts following this request, I will have no choice but to initiate legal proceedings against your company in my local jurisdiction. You will then be required to come here to defend your actions. 
ACCOUNT : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an exceptional credit rating for the past 30+ years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than 6 spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time .... ONE OFF ... .. situation for {$200.00} had XXXX drop my 821 credit score ( once again I have had an exceptional credit rating for 30+ years ) down to 650 ..... I am outraged by this and all of my attempts to contact any one a XXXX have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after 30 + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on Wed.XXXX XXXX XXXXXXXX from XXXX and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.
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 of 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. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX 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 nor verify 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 other bureaus. I dont 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 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX F XXXX XXXX Tx XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

This is my fifth attempt to resolve this issue, and I have received no response from XXXX, XXXX and Transunion. I am filing this complaint as a last resort and request your prompt assistance in resolving this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 15 U.S.C 1681c. a ) 5 Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The score that XXXX supposed to report correctly in my credit monitoring account - XXXX  is incorrect. The number that shows on my credit monitoring is XXXX and that is unacceptable. I have sent a letter to Equifax to let them know about this issue. I still haven't got any response until now and the score that is showing is the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The acct opened in XX/XX/2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after treatments. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} XXXX XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. XXXX XXXX XXXX has since closed my acct, sold it to Resurgent, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX  and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX  since I am still recovering from XXXX and XXXX. I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a call from a debt collector on behalf of XXXX XXXX XXXX about a past due amount that they debt collector claimed that was owed. When I informed the caller that my peoples gas account had been paid in full and that the original company should have been paid in full. The representative yelled at me and told me that the information about the past due amount will be going on my credit report
Product: Checking or savings account

I deposited {$1200.00} ( {$1000.00} check and XXXX in cash ) at a JP Morgan Chase ATM on XXXX XXXX in XXXX, OH on XXXX XXXX 2017. The ATM malfunctioned during the deposit and took the cash and check, but was unable to process the transaction. I called Chase on the next business day to try and resolve the situation, they credited me for the transaction and said they would look into it. On XXXX XXXX, they removed the credit without any explanation. I called and was told there was no sign of the cash and check and now they are saying they can not do anything about it. They essentially stole money that I entrusted with them from me.
Product: Student loan

private loan company NAVIENT certified my student loan under conditions of False Certification of Ability to benefit. 
Navient certified my student loan for XXXX XXXX XXXX XXXX Now located on XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/2006 without me having a high school diploma from United States, nor any transcript, nor did school give an entrance examination before I was admitted to the school. 
This action by Navient is clearly MISS LEADING student loan borrower.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I request that the following accounts be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be blocked and deleted : XXXX XXXX ( formerly Simp ) XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4400.00} XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX  XXXX XX/XX/XXXX {$23000.00} XXXX  XXXX XX/XX/XXXX {$850.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$6900.00} XXXX XXXX XXXX XX/XX/XXXX {$6.00}
Product: Credit reporting or other personal consumer reports

Subject : URGENT - Fraudulent Auto Loan Reporting by Reprise Complaint Details : I am filing a formal complaint against Reprise for fraudulently reporting an auto loan that I have never had and falsely stating that I have made a payment to them. 

I have never taken out an auto loan with XXXX, nor have I made any payments to them. Yet, they continue to falsely report this account to the credit bureaus ( Experian, Equifax, and TransUnion ) without providing any verification or proof that this account is legitimate.

I have disputed this account multiple times with the credit bureaus, yet XXXX has continued to verify this false information without presenting any legally required documentation. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692.

What I Am Demanding : 1. IMMEDIATE REMOVAL of this fraudulent auto loan from my credit reports. 
XXXX. FULL VALIDATION If Reprise claims this account is legitimate, they must provide : A signed loan agreement proving I authorized this account. 
A full payment history with timestamps. 
Proof that they are the original creditor or have legal rights to report this debt. 
XXXX. CORRECTION WITH CREDIT BUREAUS Reprise must notify Experian, Equifax, and TransUnion that this information is false and update their reporting immediately.

Failure to Comply : If Reprise does not remove this fraudulent account immediately, I will escalate this complaint further, including : Filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX  ) Contacting my State Attorney Generals Office for investigation Exploring legal action for willful FCRA and FDCPA violations This false reporting is damaging my credit, and I will not tolerate further delays. Reprise must provide proof or remove this account immediately. 

Social Security # XXXX Account Number : XXXX They are also reporting under XXXX different businesses Reprise and Springlight Financial. I AM OVER THE STALL TACTICS!!
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Portfolio Recovery has been calling my cell phone multiple times a day for months beginning in XXXX 2024. I answered, there was no one there. It was silence, and then a click. So, I started ignoring the calls thinking they'd stop, but they didn't. Then, I started blocking the calls. 

Every time I block a number, another number starts calling, and the caller ID says : Portfolio Recovery. They never leave a message. They just continue calling, relentlessly. Day after day. 

I XXXX Portfolio Recovery and saw it's a debt collection company. I don't owe any unpaid bills. I XXXX the numbers. They are all robocall, scam, or spam numbers. At this point, it's harassment. I'm XXXX with a serious illness, and my father is a XXXX veteran. I don't have the means to hire an attorney and pursue this. 

I need help to make it stop. Please find whomever is behind this and take legal action. 

They've used these numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have some screenshots of the months and months of near daily phonecalls, but those are only the calls I rejected. There are more.