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

The following credit card accounts currently listed and showing on my Experian and XXXX credit report is showing the accounts are open and the accounts supposed to currently be closed credit card accounts : XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXX XXXX {$110.00} and XXXX XXXX XXXX, {$390.00} XXXX The credit card accounts are suppose to be closed accounts with a balance of {$0.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, I applied for a Small Business loan with XXXX for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXX of XXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently XXXX put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.
Product: Credit reporting or other personal consumer reports

I received my credit report the beginning of XXXX and it showed a drop XXXX points. When I looked into this I found out that XXXX XXXX XXXX Who I bought my 2007 XXXX XXXX through, had falsely reported to the credit Bureau that I had missed a payment in XXXX I sent them bank statements and receipts and still they refused to remove or change it. I disputed this twice with credit karma and once with XXXX XXXX directly, I still have had no luck despite providing all the proof even receipts from the car financial that they received payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my data was breached with experian and was offered a year of free credit monitoring to help me protect my personal information. In XXXX of XXXX, I was notified by Experian that I was being given another free year of monitoring due to the breach but that I needed to renew through an online sign up. I signed up online and was required to provide credit card information to complete the registration. I did not select any paid service but began seeing a {$19.00} charge on my next monthly credit card statement. I cancelled this service, which in and of itself was very challenging and beyond what I would say a reasonable person would expect to go through to cancel and received a cancellation email on XX/XX/XXXX. I continued seeing charges each and every month after that. I signed onto the Experian website today after seeing two charges for {$19.00}, one on XX/XX/XXXX and another on XX/XX/XXXX, both in year current. Again, I navigated my way through an impossibly vague process of cancelling my membership and received another confirmation email dated today, XX/XX/XXXX. I contacted Experian by phone to confirm it was cancelled but the number they provided said they will only take cancellation requests online. I chatted a representative to confirm my paid membership was cancelled and he/she said it was but not until XX/XX/XXXX. I asked the chat agent to refund me the 3x charges that were made to my account and he/she said they can not due to their policies. I asked why I was being charged in XXXX, XXXX, & XXXX when I have an email confirming I cancelled in XXXX of XXXX, the agent would not answer my question and just said they don't do refunds. I informed the agent that what they are doing is engaging in an unfair deceptive act or practice that makes cancelling unreasonably difficult if not impossible when paid membership fees just begin billing for no reason. I told them I would be reporting their unfair deceptive act or practice to the CFPB and asked that the agent also forward it to their internal complaint department.
Product: Credit card or prepaid card

XXXX I started to get vice messages about and outstanding bill from a company called GenesisFS card services. 
XXXX XXXX  I them and found out that they have an outstanding balance on a credit card but they figured out that it was fraudulent. They told me to report it to Federal Trade Commission and send them a copy of the report. 
Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called us bank in regards to direct deposits coming into my old closed account and needing a form to transfer such said funds into my new account. I was directed on 3 occasions even prior to coming to the bank that I could come into the bank and have them process the form the same day rather than do it through customer service which could take up to 3 business days. When I arrived at the XXXX branch on XXXX in XXXX illinois, the representative was very rude and nasty and showed obvious discontent by rolling her eyes at me when I asked for help. When I asked to speak to her supervisor she refused to let me speak to the supervisor then the branch manager called security on my who made threats to me and cursed at me in front of my children and family. They refused to respond to the customer service matter or have a manager contact me. When I called customer service to verify the information I was told by a supervisor that I was indeed informed  correctly that the bank should have been able to process the form directly. 

Later that day I actually had someone call me from a branch and process the form over the phone. I would also mention I waited over two hours in the drive they line to receive such vulgar and incompetent service.

I also filed an internal complaint with their customer service which has been ignored and not responded to. I called the regional director of the bank branch she also has not returned my phone call.

This is unacceptable for this refusal of service and hold of access to my account. I would request the video be pulled from both sides of the drive thru window to show that even as I was being polite initially to the  representative she was rude argumentative and rolling her eyes was beyond disrespectful.
Product: Vehicle loan or lease

Hello. 

My name is XXXX XXXX, I am writing this letter becuase I really help. I had this 3rd party loan since XX/XX/XXXX, when I went to XXXX and decided to stop my XXXX  school and XXXX here becuase I get depress every time I open up my problems about someone hackingmy information but no one believe me. I am XXXX mom, but I work hard school me and my son day time and I go work at night since me and my son come over here in United State. I do had suspicious before XXXX someome hacking me becuase of my school account email or social media, every time I open my account always say 's wrong password. I didn't know about Data Breach XXXX, my information is compromise Anyway, my concern with this letter becuase I had this 3rd party loan from 800 loanmart since XXXX, I am paying this loan monthly since I am back here in USA XXXX XXXX with the amouth of {$450.00}. I admit I pay most of the time late for couple years. But since last year XXXX and this year XXXX. I already explain to loanmart last year about my situation. In fact in 3 Credit Bureau this debit is close. And I thought this debit is close last year. But for some reason the loanmart repossess my car yesterday XXXX in my parking. Then I call the loanmart yesterday and they transfer me to collection service. I spoke to the guy from collection service and explain to him my situation. He said all he can do is lower my balance to {$6000.00} instead of XXXX. I told him even {$1.00}, I don't this time becuase of my situation. and he said he will keep the car and sold it. Now I don't have car to go work or do anything.I am asking help this time. I hope someone can help me get my car back. Until now I didn't get any help from governments. Please I need help.
Product: Student loan

My student loans used to be managed by XXXX before being transferred to Great Lakes upon relocation. XXXX mismanaged my student loans and Great Lakes has done the same when they took over. My student loans should be forgiven as a result. I do n't think the loan balance and interest is correct and it has caused hardship to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear complain department, I do not recognize inquiries that recently appeared in my credit report. I would l inform you that I am not connected with any of these inquiries. Probably there were filed by mistake or error. I assume it could be identity theft. but for sure these enquiries are not mine. Please delete them
Product: Credit reporting or other personal consumer reports

Please help me get these unverifiable fraudulent accounts removed off my credit report. I have disputed and these companies seem to be ignoring me. Accounts in question Unknown : XXXX : {$400.00} XXXX XXXX : XXXX : {$150.00}
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.

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: Debt collection

This is in regards to a collection reporting on my credit reported form LJ Ross Account # XXXX. After noticing on my credit report an account with the above listed account I reached out to find out what this is for since I was unsure what it was. They sent me a letter dated XX/XX/2020 which I will attach on this letter no information that would inform me what this is for. I sent another letter out XX/XX/2020 and XX/XX/2020 to which I got no response yet they keep reporting this information without properly validating the debt.
Product: Debt collection

LVNV FUNDING EMPLOYEE XXXX XXXX HAS STATED TO ME THAT BY LAW LVNV DOES NOT HAVE TO SUPPLY A STATEMENT ON A DEBT I'AM SUPPOSE TO OWN, NOR DO THEY HAVE TO KEEP IN HOUSE RECORDS. I 'VE ALSO BEEN INFORMED BY LVNV THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE WAS CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND XXXX.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called procollect to start a payment plan or pay off an old balance that dont owe. I was told that my account was locked and that I had to email a man named XXXX XXXX. I emailed XXXX XXXX over a month ago and have not gotten a response. I called procollect several times afterwards and no one can or will contact XXXX XXXX for me to settle this account ( XXXX
Product: Debt collection

Lexis Nexis is a company that has taken CHILD SUPPORT information created against me and my family under, FRAUD, THREAT, COERCION and DURESS from the public record, re-created this information which is private and does exist as my intellectual property into a commercial file to be sold by their company without my consent. As this crime of consumer fraud and identity theft is being used to damage my family, i want this information removed from all databases that they sold my info that it may be utilized as i demand compensation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have unauthorized information on my consumer report under 15 USC 1681 ( a ) 3 Equifax has assumed my role and DID not ask permission to put information on my consumer account. As also stated in the congressional finding 1681 ( a ) 4 the credit reporting agency did not exercise their GRAVE right and duty to be impartial, fair, and my right to privacy. Equifax purposefully kept information on my account after being instructed to lawfully remove it. Equifax has intentionally committed fraud by not removing information as instructed by me but also by the Office of the Attorney General State of Florida pertaining to the winning of the XXXX XXXX XXXX Multi State law suite This information should have been removed but still remains on my credit report.
Product: Debt collection

Been dealing with this JEFFERSON CAPITAL SYSTEMS issues for couple years. They haven't provided any proof of agreement to a contract my my signature to their agency of this debt. I am requesting to have this removed off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, Transunion added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting my closed account XXXX XXXX credit card usage as open and with 0 usage. This account is not active or open. XXXX XXXX is reporting XXXX XXXX as open.
Product: Mortgage

My mortgage is owned by XXXX XXXX. I make automatic payments via my checking account evey XXXX weeks, so I actually pay a month in advance. ( 1 ) In XXXX, 2017, I noticed an increased amount taken from my account. When I called to inquire, I was told it was because of taxes and shortage in escrow ; when asked what would have happened had I not had extra money in the account, the rep said they would have reimbursed me the overdraft fees. ( 2 ) I get the increased escrow note in XXXX, with a date of XXXX XXXX - I call to get an understanding, get the shortage in escrow story and decide to pay the escrow to keep my bi-monthly payments low. Since XXXX, no withdrawal from my account has been the same. I call XXXX XXXX, speak with a representative and nothing changes. The last representation told me she would escalate my case and monitor it to make sure the correct amount comes out ; yesterday, still an increase. Who do I hold accountable - how do I get compensated? When does it stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 

At some point I did being getting collection letters and I was disputing them directly with the creditors. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report.

Bank of America has been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the account that was fraudulent and needing to be blocked back in the fall of last year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. I didn't even get a copy of my XXXX report for months so I wasn't aware this account existed.
Product: Debt collection

I am writing to dispute an alleged debt with Portfolio Recovery after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the FDCRA these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me in the debt collector ) no official documents or authority the collection agency has, such as a license to collect in my city/state. After numerous attempts still unable to get them to verify with any official permissible documents that this is indeed my debt. Ive enclosed copies of my request to the collection agency asking them to validate this alleged debt in the receipts showing that I sent these letters certified signature request. This Debt is not mines and I was given no evidence of my obligations to pay this alleged debt to this collection agency. I will use the courts as needed to enforce my rights under the FCRA. I look forward to CFPB protection and to enforce the law against all perpetrators and violation of FCRA laws. CFPB protect my rights to a fair and accurate credit report, also if legal actions are taken and CFPB fine such perpetrators negligent against myself. CFPB would be called as a witness on my behalf.
Product: Debt collection

HIPAA VIOLATION Alleged amount owed {$300.00} Alleged account # XXXX REMEX INC ... ..In XXXX of 2020 I submitted an AFFIDAVIT to REMEX INC ( copy attached ) for an alleged debt. REMEX responded with a claim of " verification '' ( copy attached ). They have failed to respond to any points of my sworn testimony, however their response itself and continued reporting of this alleged debt is a clear violation of HIPAA. They also failed to provide any documentation that validates this alleged debt.I requested a copy of their Business Associates Agreement.Also their claim of " verification '' can not be accepted without an accurate accounting to provide proof of the amount they are alleging that is owed.