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

I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The three major credit reporting companies are unwilling to cooperate with the laws given to US citizens.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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

On my Equifax report, it states an item is in dispute. I have been asking Equifax to remove the dispute for over a month. I am purchasing a home with a mortgage through my bank. The offer is contingent that in order to close on the house, that item has to be marked closed, paid in full.   The item has been paid in full for quite a while now  ( from   XXXX   XXXX   ),   with showing a   XXXX    balance, but still shows that it is in dispute. There is nothing to dispute, being that I paid the collection in full back in   XXXX   of this year.   Everytime I call Equifax, they tell me that they will take care of it. I received an email today with my Equifax report, shows that the item is still in dispute, after they ensured me it will be marked paid in full.   If this is not corrected, I will lose the deal on the home. I have paid for my appraisal and home inspection as well as {$5000.00} is earnest money. I fear that I will lose out on all of that if this is not taken care of before closing.
Product: Mortgage

1. Overpayment Issue Never Responded to or Addressed I contacted Selene Financing numerous times during XXXX and XXXX, as they misapplied funds and their accounts show an overpayment of {$37000.00} in XXXX. When contacting Selene Financing, I contacted Selenes customer service several times via email and phone. 

I also contacted Selenes Loan Specialty Advisor, XXXX XXXX, several times about this including email and phone calls. As you will see in the attachment, XXXX XXXX never responded to my inquiry about the overpayment, despite his promise to do so. I have many documented communications with Selene Financing where they simply never respond to my questions. 

2. Incorrect Deferred Balance Amount On a separate topic, one of my accounts says there is a Deferred Balance of {$53000.00}. This amount is not correct. There should be {$0.00} in the Deferred Balance. 
I have reached out to Selene Financing many times about this issue as well, and have not heard back. I can also document these communications. 

3. Misapplied Funds Never Applied to Account One of my accounts shows that there was {$66000.00} in Misapplied Funds, that, without my knowledge, they removed from my account in XX/XX/XXXX without explanation. 
I have also contacted Selene Financing about this with no response. 

4. Improper Business Practices Related to Ignoring Customer Inquiries Selene Financing has taken advantage of us and of many other customers by not responding to customer inquiries, and forcing customers to overpay and be charged fees that are not valid. Customers are forced to pay the fees in order to free themselves from Selene Financing and move to another provider. In fact, we found and are part of several XXXX  groups devoted to Selene Complaints. We currently have several other mortgage servicers and have never had any problems with any other mortgage servicers. The other mortgage services do not have XXXX groups and other groups devoted to complaints about them. The Selene Complaints XXXX groups and other groups indicate that Selene has an ongoing record of not replying to and taking advantage of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

3. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.
Product: Vehicle loan or lease

account number XXXX, credit acceptance has illegally hiked payoff prices increase of XXXX less then 2months last pay off request was XXXX off a 4XXXXloan today as of XXXX XXXX the loan pay off is XXXX and a past due balance of XXXX in which the creditor has recieved XXXX in total since the last payoff request the creditor is guilty of fraudulent practices of consumer finance
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} i ask to remove the fraud to be remove, XXXX XXXX XXXX date it say it open XX/XX/XXXX {$0.00} is owed and it fraud i ask to deleted this XXXX XXXX XXXX  open XX/XX/XXXX {$3100.00} fraud i ask to be removed XXXX XXXX XXXX still have not been remove open in XX/XX/XXXX with a fraud balance of {$1100.00}
Product: Credit reporting or other personal consumer reports

I have submitted letters to all the bureaus and companies and no one it complying..I have made several attempts to resolved all the errors and matters that's inaccurately being furnish on my credit report and no changes been made
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to verify unverified information, the accounts while in dispute continue to stay on credit report as they must by law be deleted while investigation occurs. Then if verified accurately put back on, 5 consecutive months of frivolous reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes to XXXX, XXXX, and Equifax about these fraudulent inquiries on my report. XXXX keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 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 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Product: Student loan

Short-term forebearance. Lasts around 3 months, then calls about 3-4 times a day. 
Unwilling to lower payment amount. 
School closed down. Was essentially strong-armed into taking only private loans as the financial aid advisors told me I could n't qualify for any other financial aid. Was made to renew every semester with the claim " you do n't sign it, you ca n't continue/graduate '' Did n't receive diploma until loans were paid, even after graduation. 
Was told I could n't get forebearance, then told I could. 
Non-stop calls once forebearance/deferment ends
Product: Debt collection

I have disputed this several times and they keep saying it is correct and wont provide me original documents showing that this alleged debt is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter XX/XX/2022 here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a 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 my Federally protected consumer rights.
Product: Credit card

I owned a Belk credit card ( Synchrony Financials ) onto which fraudulent transaction happened in XXXX XXXX. 

The fraudster compromised the card and shipped the merchandise to our address because of the reason that we were out of country. 

Belk credit card financial institution did investigation for over 2 years and refunded the fraudulent transaction amount of {$2000.00} in XX/XX/XXXX. 

But, then later on XX/XX/XXXX, Synchrony Financial reversed the credit and still made me liable for the fraudulent charge. 

Synchrony Financial has broken federal law from the year XXXX for over 2 years now and still breaking the law by making the consumer not giving protection against the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURP [ OSED.
Product: Consumer Loan

In XXXX, I was informed that a ex-boyfriend was using my credit information to obtain several car loans and furniture. He obtained XXXX car loans, which were all repossessed due to his inability to register them with motor vehicles. At the time, I had a protective order due to past domestic incidences which he served time in jail and was released in XXXX. Because of the protective order, I was contacted by the police when they found the abandoned vehicles to check on my safety, and then subsequently found out about the several car loans and furniture accounts that were opened within a month or XXXX of each other. XXXX of the car loans were taken out at the same buy-here-pay-here dealership, which I 've worked with the credit bureaus to clean up the information on my credit report from all the fraudulent accounts, names, addresses, and more. All but XXXX of those accounts have been removed from my report, since the person was convicted of fraud and sentenced. SCS Credit was the dealership that sold XXXX cars to this individual and has only removed of the loans from my report, despite the official police paperwork that was submitted to them. I have been trying to purchase a home for the last year, but this last fraudulent account is the only issue standing between me and my XXXX home. I just had my XXXX child and would love to be able to purchase a home and this issue has kept me from doing so. Since the information that was used to open the account was all fraudulent except for my name and SSN, they state that they would be unable to speak to me about the account.
Product: Payday loan, title loan, or personal loan

Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for  {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have  emailed the organization with proof of payment to only receive an apology.
Product: Debt collection

I have sent the following letter to the company. Of course before that I tried several times to remedy the issue. 

I am requesting that the following account be removed immediately from my credit report. Description : Fraudulently establishment of this account without my permission or authorization. I have tried to work with your collection agency requesting removal of this account but you haven't removed it yet. Your company is not approved to conduct business in the state of CA as of this day. It's pending approval. If I am unsuccessful with this attempt having this frigolus account removed from both reporting agencies, I will be forced to file a suit in federal court naming the credit reporting agency and the acceptor of this letter as defendants. 
If No action is taken from your company as an extra measurement for my protection of sensitive information as well as the removal of this account from both Reporting Agencies then the following agencies will be formally informed so they can assist and resolve this matter in order to protect my rights as a consumer.
Product: Debt collection

I believe it was the beginning of XX/XX/2020, I answered a phone call from Credit Corps Solutions trying to get ahold of my husband about a debt that they had acquired. I told them I would have to talk to my husband before I did any business with them. We checked both of our credit reports and the debt they were claiming he owed was not on any of his 3 reports. 

So after ignoring their phone calls for a while, on XX/XX/2020, I answered one of their calls, verified that the call was being recorded, and told them that they are in violation of the fair debt collections practices act and they need to send us a validation of debt letter. Stop calling and any further communication needs to be done in writing. 

Since that phone call, almost two months ago, I am still receiving 1 to 3 phone calls every day ( Monday - Friday ). It's harassment. I'm tired of it. And the phone calls aren't even for me! That is MY cell phone number. They have my husband 's number ( not that I want them harassing him either ). I want them to STOP CALLING ME and just send us letters in the mail like I asked them to.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX Balance Owed : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts, i'm not responsible for it. I believe that somebody used my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint on PNC improperly using my information to run a hard pull for a secure credit card on my personal checking account. Today I had a call with XXXX from their client executive relations office. I would like to inform the protection bureau that she threatened me saying i would have to subpeona the call if I could. She then said she did not know why I had called her. Further, she was not able to articulate her stance when i mentioned that I was with the XXXX XXXX branch this morning and they said that she would handle the issue without their interference. I am completely confused at this point as I did not sign up to obtain a card from the branch - yet a hard pull was conducted without my permission and PNC branch acknowledges that but the executive office is unable to comprehend that simple error - in fact it seemed that my english and accent was an issue. I am humiliated with this situation. 

I have also been threatened that I would have to open a case against PNC to get redressal on this issue. I am extremely worried that my mortgage would be used against me as a single mother and small business to try and deny me loans and credit along with housing along with age discrimination and XXXX harassment that has been ongoing from 2021. 

Please provide relief through an executive who does not insult her company when she is working with a client.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 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, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I requested for Equifax to validate and delete 2 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} both closed ) from my credit report. I have sent my last 4th letter to Equifax on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Equifax customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is XXXX & Equifax credit score is XXXX. This item is negatively impacting my Equifax credit score. I have also been permanently XXXX  since XXXX  and I have reported this to the Department of Education, loan lenders and collection companies. Equifax is involved with illegal business practices and is committing fraud on various levels.