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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX 
Account number : XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

You have deleted XXXX XXXX XXXX Acct # XXXX ( collection ) due to identity theft, but it is still showing as a " closed account ''. Per the FCRA & the FDCPA- you are demanded to remove ANY closed accounts that were once a collection, but removed due to the identity theft.
Product: Mortgage

Specialized Loan Servicing which is now, Newrez LLC dba Shellpoint Mortgage Servicing was illegally charging customers for PMI payments after they had reached a Loan to Value of 80 %. They purposfully mis-calculated the LTV amount to continue to charge customers each month. I am in contact with the new mortgage company : Newrez LLC dba Shellpoint Mortgage Servicing to receive a refund of my PMI payments that were made after I had reached 80 % but Specialized Loan Servicing needs to be held accountable and I can not be the only customer that they had done this to.
Product: Debt collection

Orions Management Groun, LLC IS STATING THAT I OWE THEM {$560.00} Which I do not. I don't have any account with them I already filed a dispute with them about them account and told them to cease and desist on this account. 
They have not provided any documentation with my wet signature that I have anything to do with them. Now as a consumer know I have a right to privacy. In they are breaking countless of law of the FCRA and FTC AND I WILL BE FORCE TO BE SEEKING Remedies from this laws because they are causing damage to my character as a consumer and cause me and my family a nervous break down. 
I had to check in with the doctor for this problem. They told me see my lawyer about the situation so I did so now I know about the laws they are breaking from my lawyer it's a up to a XXXX per valuation me and my lawyer will be coming for this company. So ima telling you again cease and desist.
Product: Credit card

I have been paying more than the minimum due on my American Express account every month, yet they still list me as missing payments in XXXX and XXXX. I have records of making at least the minimum due on my monthly statements for over a year straight. They just started reporting that I am late. I have disputed with XXXX and it comes back worse each time.
Product: Credit card or prepaid card

I paid off my credit account but they refuse to mail a final statement showing the account is at a XXXX  balance. They state they do not mail a statement unless there is a balance on the account but how can I verify that my account has been paid in full if they do not send a statement. When I opened the account I was told a statement would be mailed every month that there is ACTIVITY on the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the specific issues with this account : XXXX. Late Payments Reported on a Closed, Paid Account : Despite the account being marked as Closed with a {$0.00} balance and Current payment status, the payment history includes multiple XXXX late marks. If the account is paid and closed, late payments should not persist unless accurate and verifiable. 
XXXX. Inconsistent Comments Across XXXX : XXXX : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Closed or paid account/XXXX  balance XXXX. 
These comments are inconsistent and XXXX mislead lenders about the resolution of disputes. 
XXXX. Failure to XXXX Update or XXXX Disputes : Dispute-related comments remain on the account, even though it has been resolved and paid. This suggests a failure to update the status, violating the FCRAs accuracy standards. 
XXXX. Inconsistent Reporting Across Bureaus : Minor discrepancies in dates, such as the Date Last Active and Last Reported dates, differ slightly among the bureaus. While this might seem minor, it reflects a lack of synchronization. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The inconsistencies in comments, late payments, and reporting dates violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes have been filed and inaccuracies persist, the credit bureaus may have failed to investigate and correct the errors properly. 
XXXX. XXXX XXXX. XXXX ( a ) : XXXX XXXX XXXX : The creditor ( XXXX XXXX ) XXXX have furnished inaccurate or misleading information regarding payment history and dispute resolution. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) : XXXX XXXX XXXX XXXX : If the late payments are outdated or unverifiable, they should not appear on the report.
Product: Debt collection

I submitted an error on my credit card account pursuant to the Electronic fund transfer act on XX/XX/2023 of the entire amount allegedly due. I didn't recieve confirmation until XX/XX/2023 that Navy Federal Credit union were reviewing it. I explained to them why my allegedly debt was in error. They ignored the EFTA by not crediting my account within 10 days and proceeded to take money out of my account to offset the alleged minimum balance due violation of the TILAct when in fact the entire balance including the minimum balance was in dispute and collection was supposed to stop as well as reporting my account delinquent when in fact it was subject to a dispute the moment they recieved my email pursuant to EFTA and the FDCPA. I contacted Navy Federal and advised them that they were violating the law and my rights by stealing my money and not folowing the law. I was told that they can take my personal funds out of my account because I ghave them a security interest. I never gave consent for them to take a security intertest they are trying to make me subject to their abusive and unlawful business practices. I never negotiated any terms to an agreement that they are trying to enforce upon me. They are guilty of abuse by taking unreasonable advantage of me through their unequal barganing power ( non-negotiable ) terms and conditions and my lack of understanding the conditions of this credit card product. Navy federal never gave me full disclosure nor was anything clear nor conspicous the security interest is stated in fine print on the second page of the unenforceable agreement they sent to me on XX/XX/2023. 
Navy Federal conducted a bad faith investigation into the error I sent to them by sending me on several different occasions conflicting information, no accounting evidence provided to substantiate their statements nor was verification given from any senior executive memeber in which I requested. I want to be made whole for Navy Federal abusive, deceptive and unfair business practices in violation of the FDCPA, EFTA, TILA, CFPAct which has caused me substantial injury in which I could not reasonable avoid myself.
Product: Credit reporting or other personal consumer reports

TransUnion has ignored my request, asking to provide me with the proper documentation that your company has on file showing what method was used to verify my disputed accounts. This leaves me to believe that you have not verified or you can not verify my disputed accounts and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to delete all information which cant be verified. This law is very simple and clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ), if your company fails to comply with this Federal Law. I am a litigious consumer who will not hesitate in pursuing legal litigation to enforce my rights under the FCRA. I demand the following accounts be verified the correct way or deleted immediately XXXX with account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX XXXX  with account number XXXX company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX XXXX  account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX XXXX with account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 XXXX with account number XXXX Your company failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609
Product: Debt collection

I filed my dispute with Sam 's club regarding my ex- boyfriend of 11.5 years using my name on his account without my knowledge. He is re-married and his wife now has a second card with him. I don't even have a Sam 's club membership anymore. I filed the dispute about a week or so ago. I explained to them ( Sam 's club ) the debt is not mine, and that I have not been with that person for over 16 years. The person was not given the rights to continue the use of my name or my identity on the his account. This is considered fraud. I asked them to remove me from his account. To please contact him and demand my name to be removed. They said that the owner of the account is the only one who can remove me from the account. I almost dropped. This is crazy! He has no rights to use my information. They have failed to do this. All they did was give me a payment history and considered it resolved. This is not resolved in any way, shape or form. I'm highly upset and disappointed in the way this was handled. I hope someone can handle it better than they did. I will be talking to a lawyer next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting inquires I do not recognize. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax : 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: Vehicle loan or lease

I financed auto through Associated Bank after some months had loan refinanced through another lender Associated bank was paid off XX/XX/year> then they look out an additional payment after being paid off, I contacted them 3 times to ask about my refund and every time answer was the same, we're sending you back by the over payment by check in the next couple days that was 2 months ago the amount they owe me is {$400.00} I have even sent them 2 secure messages and haven't returned my message
Product: Money transfer, virtual currency, or money service

Someone transferred {$3500.00} from my account and the citi bank didn't do anything about it telling me it's gon and they can do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received e-mail from XXXX, about my SS # being on the Dark Web. The suggested I go to the three Credit Bureaus and 1. ) Freeze my Credit 2. ) Do a Fraud Alert. The problem here is with Experian. With my current Cell phone number XXXX, I was able to accomplish this, and I got the report which is attached herewith. When I tried log back in on Experian, their System doesn't recognize my Login ID, or Password!!! Oh... So.. I tried resetting my Login ID, but their System >>>DOES NOT RECOGNIZE MY DATE OF BIRTH OR SOCIAL SECURITY NUMBER!!! OK.. LETS TRY RESETTING MY PASSWORD, WITH MY LOGIN ID, AS MY E-MAIL ADDRESS XXXX. PROBLEM IS THEIR SYSTEM DOES NOT RECOGNIZE MY CELL PHONE NUMBER, XXXX THAT I SET UP MY ACCOUNT WITH!!! BUT, LOOKING AT MY CREDIT FREEZE REPORT, THAT PHONE NUMBER ISN'T SHOWN!!! CALLING EXPERIAN IS FEUDAL, NO ONE ANSWERS THE PHONE, RESPONDS, NOTHING!! OH ... SO I SENT E-MAIL TO THE CEO XXXX XXXX, NO RESPONSE FROM HIM! OR E-SUPPORT!! I AM LOCKED OUT OF MY ACCOUNT, CAN'T RESENT LOGIN ID, OR PASSWORD AND NOBODY AT EXPERIAN RESPONDS, OR WILL HELP ME!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they were a result of identity theft. 
Please find the details of the fraudulent accounts and inquiries below : 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

1. On XXXX/XXXX/2015 I did use a credit card to pay XXXX XXXX XXXX for {$2100.00}. The credit card was insured by Capital One Co. 
2. On XXXX/XXXX/2015, I found XXXX XXXX XXXX are cheating me for {$2100.00}. Please see consumer complaint case no XXXX XXXX of State of Hawaii. 
3. On XXXX, I called Capital One to dispute the charge of {$2100.00}. The Capital One dispute department not take their responsibilities to stop the charge of {$2100.00}. After few months, The Capital One still asked me to pay {$2100.00} and plus interests etc on my credit card which insured by Capital One Co. I think as a credit card provider, Capital One have the rights to protect their customer when a disputer case happened. 
4. On XXXX/XXXX/2015, Capital one send a letter to me that said They are not able to get {$2100.00} back to me. 
5. At this point, I am asking Government organization or consumer protection to investigate such case : Is Capital One really protected their customer? 
6. If Capital One is not able to protect their customers, why we need such credit card? 
7. I hope The Capital One is not related with XXXX to charged me {$2100.00}? 
8. I dispute the charges and related interests! 
I also did send this complaint to state of Hawaii and Utah.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had my personal info compromised. I do not apply for anything online. Both companies XXXX  and alsoXXXX XXXX have both agreed to remove.due to fraud. They have removed from XXXX  and XXXX already XXXX transunion had failed to remove even though the companies have agreed to remove. Please have transunion remobe from file or i will file suit for fraudulent info on transunion report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccuracies with Equifax requesting a investigation and deletion of these items. Equifax never responded.