23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have a XXXX daughter and simple  can not afford to pay back the loan. All of my extra money goes for the care on my XXXX XXXX XXXX XXXX child.
Product: Money transfer, virtual currency, or money service

i would like to be reimbursed for the reported transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Mortgage

On XX/XX/21 we suffered damage to our house from a car hitting it. I sent my claim to my mortgage company and they said if the check was under XXXX they would endorse it and mail it back so I then can use that for repairs. Once they got my claim check they told me they changed their mind and are holding the check until I provide more details. I have them all the documents required and they refuse to give me my check. Meanwhile I cant repair my house
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of human trafficking debt bondage, which is categorized under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Debt collection

This collection company has been trying to collect on a debt since 2016. For an old cable bill. And calling me and saying they have a fax order to deliver to me. But do n't send it. The bill is from a old cable bill Bright house in witch sold out to XXXX XXXX. 
When i called spectrum stated that they did not want my money on this bill. And when the collecting agency and threaten me with court. and this company has been calling with all different numbers. 
And i called them and told them not to call my number they persist calling. Now they are using a privet number witch i blocked. And when the numbers show up on my caller id they say spam or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX Balance Owed : {$570.00} This account was involved in litigation and do not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of the The Fair Credit Reporting Act ( CARMAX AUTO FINANCE & XXXX ), has violated several of my rights.

15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have 2 accounts with XXXX XXXX both had incorrect monthly payments and they were using my full balances for the monthly amount. Experian has corrected these numerous times but after a month it defaults back to the incorrect monthly amount. As per our monthly agreement I pay {$100.00} auto out of my checking account. Making account # XXXX {$36.00} per month and the other account # XXXX {$64.00} per month = {$100.00} for both. 
XXXX has been corrected AGAIN but XXXX has NOT!!! I have multiple before and after corrections, direct from Experian 's own App. I have called, disputed, uploaded and now it is holding up my home mortgage application!!!! 
Please help!! I don't know how much simpler I can explain.
Product: Consumer Loan

When making payments to Wells Fargo the contracts are unclear, the payments are assessed a late fee XXXX date after the due date and wells fargo continues to assess fees when payments are in route to them
Product: Checking or savings account

I have been trying to close my 53 bank account for arround 2 months now. I have been unable to transfer my funds out, as I need to get the balance to XXXX prior to submitting the account closing request. 

Initially, I was living in XXXX and didn't have access to the phone number on file. I was finally able to get the phone number changed. I transfered out {$2000.00}, but that placed a security flag on my account. I called and they removed the security flag. I have been trying to transfer out {$2000.00} a day, but each time I try doing the transaction it gets flagged and they tell me to call customer service. I call customer service and they tell my to try again in XXXX hours. 

I just want to cancel my account and get my money back. It shouldn't be this hard!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I a federal protected Consumer/ natural person non fictitious entity initiated what I believed was a consumer credit agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 
At approximately XXXX XXXX est. Experian Credit Reporting Agency furnished a deceptive misleading report ( credit reporting is voluntary ) and OR score that has not been mandated by Congress OR my BILL OF RIGHTS and the CONSTITUTION to be a determining factor for a lender to grant extension of credit as its My Federal Right pursuant to the TILA 15 usc 1602f.

1 ) pursuant to 15 usc 1602g I am the Person who regularly extends ( give life ) credit by initiation inconnection with All open-end credit plans involving my credit card ( 15 usc 1602 ( L ) that I came into the transaction with as the cardholder ( 15 usc 1602n ) and the originator of the DEBT OBLIGATION reserving the Right to defer its payment by transferring its obligations through the system put in place to protect the Truth In Commerce pursuant to 18 usc 8 obligations and securitys belonging to the United States . ( Without Pejudice All rights reserved ucc 1-308 ) XXXX XXXX XXXX XXXX are in direct violation of federal law 15 usc 1602p Unauthorized Use of my Federal Comsumer credit card when they received benefits from its use and I the natural person/beneficiary did not receive benefits by the trustees deception.

Experian violated its Vital Role it has Assumed in protection of my privacy and my private information, being compliant to federal mandates to furnish fair, impartial, non factual and accurate information as it relates to the consumer. Adverse action pursuant to 15 usc 1691d Equal Credit Opportunity Act never mention denial of extensions of credit to the consumer.

I request that the Bureau force XXXX XXXX XXXX XXXX to comply with my Bill of Rights and the Constitution law and title 15 Truth in lending Act, Equal Credit Opportunity Act And my Rights protected pursuant to UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been charged {$10.00} from TransUnion, XXXX, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Product: Debt collection

XXXX : Account was sent to collections in XX/XX/XXXX for amount owed of {$690.00}. Reviewed my credit report thoroughly and XXXX has account as closed date as XX/XX/XXXX which is incorrect information and is effecting my credit report. As stated the first XXXX years can hurt your credit tremendously, which it has because XXXX  ( 3rd part collection agency-Source Receivables Management ) is reporting the date of collections incorrectly. I have reached out to XXXX third party debt collector and they even told me the account has been closed and sent to collections in XX/XX/XXXX ; I have even aske for the date to be correct upon my credit report and the third party debt collector has refused to change to correct date.I have spoke to managers in regards to this incorrect open date sent to collections but yet no help has been made. I also noticed in the month XX/XX/XXXX the {$690.00} debt was taken off of my credit report but placed back on in XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX I put in for a reconsideration for XXXX well I received a letter XX/XX/XXXX telling me that my account will be credited in its still hasnt be done so I been calling about the missing funds Well when I call Bank of America there telling me that this amount has been paid way in 2020 which isnt true.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?
Product: Checking or savings account

This morning XX/XX/23 I had 6 unauthorized transactions occur totaling more than {$55.00} to my Cash App account that I dis not make. 
XXXX ) {$0.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$12.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$24.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$12.00} at XXXX on XX/XX/23 XXXX ) {$5.00} at XXXX XXXX on XX/XX/23 XXXX ) {$0.00} at XXXX XXXX  on XX/XX/23 I have notified Cash App support and they are looking into it and will reply within 10 business days. The charges are still pending so should just be denied or canceled but they have refused and want the transaction to go through first.
Product: Debt collection

Sunrise credit services keeps calling me about 10 times a week to collect a debt that i do not owe. The person they are looking for is a relative who never used my phone number as their contact info. i called 3 times and asked to be removed. The reps state everytime i was being removed but the calls wouldn't stop. I called today again spoke to a rep and explained the situation she said i had not been removed and that she would remove me from the call list. At that point i asked to speak to a supervisor. I was told by the rep that i did not need to speak to a supervisor since she would only do the same thing she did and said i was being removed and hung up on me. The calls are still coming. I have spoken to 4 people to stop calling me over a debt i do not owe and they are not complying and i think at this point that is considered harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have a right to privacy.

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

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A line of credit was fraudulently opened in my name under the account title XXXX XXXX XXXX in XXXX of 2022. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that XXXX XXXX XXXX apparently verified the account according to Experian. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the XXXX XXXX. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX XXXXXXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.
Product: Credit card or prepaid card

Credit Karma is holding my phone and will not release them I can not use my phone as a father dispute the dispute was successful so I want to dispute and Credit Karma still will not release the hold off my account I have signed in my ID my driver 's license and also other things and it's getting really frustrated hoping to get this squared away so I don't have to keep dealing with this I have asked them multiple times to close my account but they keep saying it can not close my account but I also can I use my phone this is very irritating and I'm getting frustrated please look into this
Product: Checking or savings account

I am no longer able to link my account with my XXXX  app. This is frustrating I should have that right to link my account ...
Product: Debt collection

Dear Credit Acceptance, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for the above account no matter where the state it is. I dont know your company, as you may be a scam artist for all I know. Not to mention this company has lied multiple times stating that you tried to contact me when I've reached out via phone call and the response I got was we don't have a response yet we will call you back. moving forward, i am aware that this account is closed and you're not a credit bureau clearly! not sure if you guys knew that or not. This company has many inaccuracies as well on my credit profile such as payment summaries, along with many other inaccuracies. How is an account 180 days late 2 years later after being in collection previously? please provide me with these things below ( 1 ). Contract with my name on it.

( 2 ). Full accounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue previous collection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney XXXX XXXX. I will also be reviewing my state law to see if a bond is required. Dont escalate this matter further over this little debt. Delete it at once.
Product: Mortgage

On XX/XX/2022 I received notice from my mortgage company XXXX Primary Residential Mortgage that my payment was going to increase on XX/XX/2022 by {$440.00} a month. 
I have called several times and even submitted a formal complaint with no resolve. 

I was told they miscalculated my property taxes at close and are needing me to make up the difference ( backpay ). 

The previous owner was on homestead tax program and they went off of that. 

I received a 2 week notice and the company made it very clear there is nothing i could do. 

If I had this information I would not have gotten the house. I made it clear I needed to stay around {$1000.00} a month or less. My payment is now over {$1400.00} with this adjustment. I have been paying it so I do not have a mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... XXXX.I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....