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

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : XXXX {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy chapter 11-filling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy chapter XXXXdismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last year, I applied for and was given a credit-card by Capital One. Under their rules, a starter account is opened in the amount of {$300.00}, and then, per their rules, if you make 5 consequitive on time payments, they raise your credit limit to {$500.00}. I reached that level. In XXXX, I filed a chapter XXXX bankruptcy, and they ( Capital One ) closed my account even though I DID NOT INCLUDE THEM IN THE BANKXXXX! My payments were always on time, and when I last looked, I had a balance of about {$120.00}, which I tried to pay, but was locked out of the account. I have written two letters to them, and I get no response. I offered that if they issued a card again with either the {$500.00} or {$300.00} credit line, minus what I owed, I would pay it upon receipt. I had no intention of trying to get out of paying them, my intent was to start rebuiding my credit. I did not deserve to have my credit yanked for no reason. I never missed a payment, my payments were on time, sometimes before they were due, and I usually paid more than the amount due. They do not respond, they offer no relief or options, much less an apology for closing an account that was not delinquent. Recently! I applied for another one of their starter cards, and was denied, with the response being I did or do owe them money! I owe them about {$120.00}, and had they kept the account open, it would have been paid. This is blantantly misleading and wrong for them to not allow me to have the card, and secondly, since I did not include them, I should have been allowed to pay what I owed. I do not have the account no anymore, they can look me up by my social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against TransUnion in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : 1. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8800.00} The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Original Creditor : XXXX The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Original Creditor : XXXX  The account with XXXX  is not mine, and I request TransUnion to remove it from my credit report immediately. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8400.00} The account with XXXX XXXX was never late, and I insist that TransUnion immediately removes the late payment status associated with this account from my credit report.
Product: Debt collection

The information provided to me indicates that a collection agency named IC Systems Collections sent an account of {$1300.00} to collections. My records indicate this was done on XX/XX/22. The original creditor is listed as XXXX. 

I have never interacted with XXXX. I have never bought anything from them, nor have I used their phone services.
Product: Credit reporting

I have disputed an inaccurate bankruptcy with Experian several times and they are not investigating the account. I wrote a letter to the court they have listed as the furnisher of information on my credit report. Several factors are wrong with the bankruptcy. Experian did not list an address or phone number for the court they claim is " verifying '' this inaccurate bankruptcy. It made it almost impossible to write a letter directly to the court, as Experian did not give me any contact info. I was able to find the court by doing extensive research online, the court responded to my dispute stating that Experian did not contact them in reference to my dispute. This is a violation of the FCRA, as they only 5 business days to send my dispute to the furinisher of information. Experian is liable to a {$1000.00} fine for lying about contacting the furnisher of information.
Product: Credit reporting or other personal consumer reports

I am writing to address several unauthorized and fraudulent inquiries appearing on my credit report, which I suspect may be linked to identity theft. After reviewing my report, I noticed inquiries from companies I have never interacted with and for which I never applied for credit or provided consent to access my information. Despite previously disputing these inquiries, they still remain on my report, which is deeply concerning. Their continued presence not only raises serious questions about the security of my personal information but also adds unnecessary stress and XXXX  over the potential misuse of my identity.
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 federal protected consumer right to private and confidentiality under 15 USC 1681. 
account name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 card or prepaid card

I ( along with 3 family members XXXX received prepaid {$100.00} Visa XXXX  cards in XX/XX/XXXX purchased at a XXXX store in XXXX, OH. The website listed on the card is XXXX and the contact number XXXX. 

The card has been in my possession, unopened in the packaging since receipt. When I tried to access the card online on XX/XX/XXXX, the website states another person has already registered the card and used all the funds in XX/XX/XXXX. I contacted the other recipients of these cards and they all experienced the exact same issue. The funds were stolen from their unopened cards. If this happened to all 3 recipients in our case I imagine many others were negatively impacted. 

I contacted the card processing agency at XXXX and spoke with a manager named " XXXX '' who informed me they could not help unless I had the original purchase receipt for the card. I do not have this as it was a gift, a very common use for these types of cards. I contacted the gift giver and they no longer have the receipt for the card. I still have the physical card and all the original packaging in my possession. 

When I asked XXXX how someone could register my card and use all funds without the physical card she replied, " hackers have access to all kinds of things on the internet. '' She also stated that this is a reoccurring issue with their cards. My guess is that a data breach occurred and information for multiple cards was lost or the processing company is illegally selling the information secondhand. 

I asked for any possible resolution to prove I'm the rightful card owner ( the physical card, the packaging, or any of the corresponding identification numbers ) and regain the stolen funds, however the agents refused to help in any way other than the original purchase receipt. This does not seem like a fair practice to the consumer as people do not typically receive a receipt with a gift card. It allows the company to skirt responsibility for widespread fraud perpetuated with their product.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of unauthorized and invalid hard inquiries currently being reported on my credit file. Despite my previous disputes, Equifax continues to report these inquiries, which I have not authorized, and which were made without my explicit consent.
Product: Debt collection

I did some more looking into this debt that this debt collection agency says I owe and this is what I found.. Al; so, please see email below they sent me after i asked them for a debt validation document. 

The name of the company is XXXX XXXX XXXX. When you call and they answer the phone they refer to themselves as XXXX XXXX XXXX and claim they are an attorney 's office. 

Phone number : XXXX Supposed Creditor : Check and Go ( Payday Loan ) I spoke with them twice. 

XXXX XX/XX/XXXX - Spoke with a man by the name of XXXX XXXX who claimed they are a legal firm. He said I owed a balance of XXXX dollars on this check and go account. I asked how much the original debt was for and they guy slightly hesitated and told me XXXX dollars. He said i could settle it if I paid XXXX dollars plus a processing fee of XXXX dollars. They guy said they were going to have me serviced with court papers and that I could end up going to court and being sued. He also said he had my parent 's names. I asked him what my parents names were and he said I was wasting his time. This company has my address. 

XXXX XX/XX/XXXX - I called them and spoke with them again just to ensure I wasn't making a mistake and did owe the money. The first time I called I asked them what kind of company they were and they hung up on me. The second time I called I got some snarky lady. This time she said I owed XXXX dollars instead of the XXXX dollars I was quoted on XXXX XXXX XXXX by XXXX XXXX. She said the loan was issued in XX/XX/XXXX. She said I could settle the debt for XXXX dollars. She claimed they were a mediation group at a law office. I told her if I really owed it that I would pay it but first I need some type of documentation. That's when she sent me this email that I am forwarding to you. She told me if I needed the original document that I wouldn't be able to get a copy of it until we went to court. She also threatened me with serving me papers and taking me to court in XXXX XXXX, Texas. I am extremely alarmed because she knew social, date of birth, my address and make mention of my old bank account at XXXX XXXX XXXX whom I no longer bank with anymore and hadn't for a few years. She didn't say what my checking account number was. 

On XXXX XX/XX/XXXX I called the company they say I owe money to called Check and Go. Between customer service and their collections department three different people confirmed for me that I did not owe money to check and go. I wanted to check myself to see if owed them money and I would have paid it. This company didn't sound familiar when the debt collection agency told me who I owed. 

Their website addess is : XXXX address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Their email adress is XXXX.
Product: Debt collection

What is this complaint about? I submitted paperwork to ALL three credit Bureaus, XXXX, XXXX   and XXXX. Showing proof that my case against Mindland funding was dismissed in court in 2017. I have also showed proof of Residence and given a copy of my Texas Driver 's license. Also, The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired.

What type of problem are you having? It's been over 60 days and it is still showing on my credit report.

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution.

What company is this complaint about? The Company this complaint about is Mindland Funding.

Who are the people involved? The people that are involved is XXXX, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : n accordance with the written instructions of the consumer to whom it relates.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX : XXXX Account # XXXX OR XXXX Date Assign XX/XX/2019 OR XX/XX/2019 Orignal Balance {$240.00}
Product: Student loan

, I feel I am a victim of predatory lending to through originally XXXX  XXXX  and now ancient. I attended XXXX XXXX. They violated state law and for profit schools where found guilty of predatory lending. Under the current law they can not garnish or put a lien on personal property or your paycheck. Not only was I protected through a divorce decree to repay with conditions which where violated. But also protected by predatory lending law. The department of education along with XXXX have refused to recognize the law or abide by it. This has left me in financial ruin for 10 years. I've lost out on 2 home purchases, higher rates for loans, mental health and medical bills pop paid by state or federal agencies. It has violated the human trafficking laws of 2000. 
I have been harassed by federal agencies because of local and family associates involved. My two children who I have legal custody of are concealed and it all boils down to financial abuse of my ex wife XXXX XXXX and XXXX XXXX refusal to dismiss the loans. 
I need help and backing in fighting this issue. I can't be the only one
Product: Student loan

On XX/XX/2022 I logged into my Navient web account for Federal Loans and made a small payment due XX/XX/2022. At this time, I received a message that I need to update my account information. For some reason my " cell phone number '' was " removed/invalid '' and completely missing. However, it was there the last time I logged into my Navient web account. I received calls last week FROM NAVIENT TO my cell number XXXX. Again, I did received calls FROM Navient last week at XXXX. I returned the call " outgoing '' to Navient on XX/XX/2022 ( see image snapshots of the truth of my words to this complaint ). This is indicated in my last CFPB concern, which is documented. Therefore, sometime between XX/XX/XXXX and XX/XX/XXXX someone removed my cell phone number from my Navient web account. I have had the same cell phone number for years. Per the legal agreement between Navient and I, I am to keep all contact information current, and it was until it was removed by someone else, other than me. My street address, email address, and cell phone number have not changed. I am documenting that someone removed my cell phone number from my Navient web account. I have been complying by keeping all contact information correct and current. My cell phone number was removed in the period of XX/XX/2022 to XX/XX/2022. Please review the image snapshots for validation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Common Wealth is reporting an erroneous debt on my credit file that is not mine. First of all I did not receive any letters, calls or notices about this debt. When I pulled my credit I noticed this collection and called to see what the debt was for. The address they had on file is not mine and has never been mine. The date of birth also was not mine. I tried to call the hospital listed on this collection and that hospital doesn't even exist anymore and hasn't for a few years, this hospital was located somewhere I've never even been. They have violated my 30 day right to dispute on top of applying a collection to my credit THAT IS NOT MINE. I need proof that this is my debt, including a signature, if not I need this removed from my credit file.
Product: Credit reporting or other personal consumer reports

I don't have an XXXX credit card or XXXX XXXX XXXX XXXX and the credit bureaus are refusing to delete these accounts. The credit bureaus are validating these accounts but rather doing an E-Oscar verification to the companies. Per the FCRA the companies are required to do a proper investigation and receive validation on any investigation. I have provided my report number with the FTC. I have never had any accounts with either of these companies. Please delete these accounts off my credit report. XXXX Credit card, XXXX XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I have tried to log into XXXX XXXX XXXX every week for the last 4 months, but get " Our system is experiencing technical difficulties at the moment. Please try again later. '' Multiple complaints have been put on multiple blogs and the bank 's XXXX and XXXX page. 

Their Customer Service number does not have an answer and the chat option is useless. 

I have 4 credit cards for different stores at this bank and will not use them if I can only pay as a " guest '' and can not log in to verify purchases before paying.
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX BANK # XXXX, Account name : 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 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: Debt collection

CMRE FINANCIAL SERVICES INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX Phone : XXXX Fax:XXXX Manager : XXXX XXXX Attached is a print screen of my credit card statement payment/receipt directly from XXXX and XXXX XXXX XXXX. 

Payment was made on XX/XX/XXXX to CMRE Financial Services Inc. On behalf of Creditor " XXXX XXXX XXXX XXXX date of service XX/XX/XXXX for a bill that is over 6 years old and when I was on Medical. '' Payment was made by XXXX Master Card for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX XXXX XXXX XXXX for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX Amount was paid in full with the agreement CMRE Financial Services Inc. will remove it from my credit report on XX/XX/XXXX. 


Removal never happened and on XX/XX/XXXX I called CMRE Financial Services informing the bill is still on my report, CMRE now informed me they do not do removals. 

Total : XXXX triple the amount the credit reporting agency is currently reporting XXXX XXXX XXXX XXXX Since XXXX of XXXX to current : I have done every dispute on XXXX, XXXX, and even got XXXX XXXX XXXX ID Case # XXXX Paying a monthly fee to have this removed from my credit report. XXXX XXXX  can not reach anyone in CMRE FINANCIAL. XXXX XXXX Claims to have sent letters to CMRE, XXXX, and XXXX.
Product: Checking or savings account

On  XXXX /17< I contacted   XXXX   XXXX   regarding an my inability to open a checking or savings account and wanted information on the cause.  I recived a copy of informatin from   XXXX   XXXX   and began to due the inaccurate information for Bank of America.  I had disputed the same information with another company called   XXXX   XXXX  , unsuccessfully.  
On  XXXX /17, I received the ecnlosed infromation along with a copy of a check bearing a signature, that "IS NOT MY SIGNATURE". On  XXXX /17, I immediately called  XXXX , that   XXXX   XXXX   said should be used for BOA, they transferred me five(5) times and still no results.  I asked of the Collections depat of BOA, where can  fax my State Id and Social Security bearing my SIGATURE, but they do not have anyone or anywhere to send the information. BOA HAS ACCUSED ME OF FRAUD, I HAVE NOT BEEN ABLE TO GET A CHECKING OR SAVINGS ACOOUNT BECAUSE OF THIS INFORMATION, AND YET THEY HAVE NO ONE WHO CAN HELP ME RESOLVE THSI!!!