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

hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX young father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Debt was paid but they refused to remove it from my credit report.
Product: Mortgage

My mortgage payments have sky rocketed in the last 5 years. my homeowners insurance was increase to $ XXXX in the last many years i had two claims in XXXX for roof damage due to storm and water damage to my basement. i have just received notice that my new mortgage will be {$5600.00} starting XXXX XXXX my mortgage company is SELECT PORTFOLIO SERVICING AC XXXX XXXX My home owners insurance is by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a feeling they are robbing me blind. i am XXXX yrs old and i am worried i will loose my home. i been living in my home i purchased in XXXX and i still owe {$350000.00} despite paying mortgage since XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number : XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I need to start making payments on my student loans, but when I try to reset my account details on the nelnet website, it tells me a password reset is being sent to my email but nothing is received. I have tried to call nearly 50 times during working hours, either to be blocked from talking to someone because my account can not be verified or because the phone lines are currently closed, despite it being during the advertised operating hours. Theres no attempt to connect me with anyone - the line simply hangs up after three verification attempts.

This is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per XXXX XXXX, any billing error must be rectified promptly and updated to reflect payment as agreed.
Product: Credit card

I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter
Product: Debt collection

LVNV Funding LLC, XXXX XXXX XXXX, XXXX made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the OC 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90.This includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness.

They have made threats with letters, electronic communication about information which is false I did NOT consent to which a violation within USPIS ( mail fraud ) and The Privacy Act of 1974.

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusation. LVNV Funding LLC, XXXX XXXX XXXX, XXXX and other affiliates they hired committed identity theft against me need to close their file immediately and remove their information from my credit report as having it on there is both collection activity which violates federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

have demanded that these agencies remove these accounts from my credit. I did not give permission for them to be there.I HAVE FILED A LAQSUIT AGANIST EXPERIAN AND THIS IS THE FINAL OPPORTUNITY TO CURE.
Product: Debt collection

Good Afternoon, I have received a collection notice from a company called ARSTART. I have made multiple reasonable attempt to make payment to these people however they do not provide any dates of service, any means of reasonable secure payment and also they do not provide any means of payment receipt. I have asked repeatedly for an email address so I can communicate with them in writing and they stated they do not provide any email addresses. This seems like a extortion for money. Upon further research there have been many lawsuits and investigations on this company with regard to medical fraud and also to extortion tactics on the elderly. 

Please let me know what other information you may need for me. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

My collections were deleted through the credit consumers but does not show on my credit report through the credit bureaus. These actions of debt removals were taken in the month of XX/XX/2019. and the action that was taken was collections being disputed and then deleted, I have documents to show.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am included in the list of potential victims in the recent Equifax leak.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter XXXX has been changing account payment history information for the worst since XX/XX/XXXX. They have reported XXXX days late, XXXX days late, and XXXX days late twice on my credit reports since account closure sending my credit score plummeting to the low XXXX from a XXXX, usual credit score. This account has been closed and paid-off since XX/XX/XXXX for the full amount by my insurance carrier, XXXX XXXX XXXX. Account due date they said was on the XXXX of every month.Not even XXXX days after account closure a XXXX days late, XXXX days, and XXXX days late payment in account history has been noted on my account as well as a charge-off status.
Product: Debt collection

This is a continuation from initial complaint submitted XXXX, XXXX. 

Follow up from complaint XXXX, XXXX, XXXX. 

My HOA, its Management Company and Attorney are reporting adverse action in form of Public Record to my credit reporting agencies. Also the accounting of my payments is incorrect and no resolution to correct the amount that has already been paid. After many denied debt validation requests and ignored emails, I submit information for assistance in consumer rights. 

The Attorney and his legal assistant has now moved to Porter Law Firm, XXXXXXXX Tx XXXXXXXX as of XX/XX/XXXX. But still representing the HOA and management company. 

XXXX report as of XX/XX/XXXX. 
XXXX reports as of XX/XX/XXXXXXXX XXXX
Product: Debt collection

Penn Credit Corporation decided to put unverified information on my credit report report. I filed a cfpb complaint about a debt reported on my credit profile and they claimed to have sent it to the address that the original company sent to them. I called the company and they can not seem to find any balance that I could have owed them. At this point Penn Credit corporation is in violation of at least 8 FDCPA regulations. Each violation is listed on the attached notarized affidavit. Along with the invoice for the charges for each violation.
Product: Credit card

I opened my Synchrony Lowes credit card account with APR of 26.99 % on XX/XX/XXXX. Benefit of the card was a 5 % discount on all purchases. 
I always paid in full balance by due date. 

On XX/XX/XXXX, I received notice from Synchrony Lowes credit card that changes in account terms would take effect on XX/XX/XXXX. I was provided right to reject the changes, other than to APR, however if I did so, I would not be able to use my account for new transactions. Changes included : APR for purchases 31.99 %, penalty APR and when it applies 36.99 % if I made a late payment, returned payment fee of {$41.00}. A {$1.00} monthly paper statement fee. 

I called the number provided to reject and had to close the account on XX/XX/XXXX.
Product: Prepaid card

I received a {$1000.00} AMEX pre-paid card. 

It claims it can be used like any credit card. 

It works no where. Its doesnt work on XXXX XXXX it doesnt work at my grocery store ( XXXX ). I tried a few other online stores that claim they support pre-paid cards. But its always declined. I tried everything from a {$15.00} to {$500.00} online purchases. 

The only test that worked was XXXX Eats, which I dont use. Otherwise the card is not accepted anywhere and can not be used like a credit card as AMEX claims. I have no way to access purchases on this card at any major shopping facility. 

Also when I go to the site for Amex gift cards and check my balance I see XXXX charged it XXXX cents twice from the 2 times I tried to use it on XXXX but was declined, yet XXXX never refunded it and declined the card even though their 10 cent withdrawl test worked and got some money from the gift card. 

I looked online and this seems to be a huge issue with Amex, it feels like a scam. You pay for the card but then cant use it anywhere as credit as they falsely claim you can The claims on the card are false. I would like access to my {$1000.00} somehow!
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Credit card or prepaid card

This is the XXXX complaint against Bank of America. I do not have an account with Bank of America and this is part of identity theft. It is unfair for my credit to be ruined based on this. Please update ASAP. 

Best, XXXX XXXX XXXX
Product: Credit reporting 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 602A. State i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2, it also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX XXXX  XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report!
Product: Money transfer, virtual currency, or money service

An amount of {$57000.00} was wired from Wells Fargo to an account of XXXX XXXX XXXX on XX/XX/year>, for a vehicle purchase. The vehicle was not delivered and a recall was initiated with Wells Fargo on XX/XX/XXXXXXXX XXXX XXXXXXXX he advertised website XXXX XXXX XXXX  was later determined a fraudulent as the website has gone offline since the recall. Between XX/XX/year>XXXX XXXX XXXX XXXX XXXX numerous attempts were made with a Wells Fargo banker to find out the status of the recall. When I finally spoke with the Wells Fargo banker in person, she told me I assumed the risk when I signed the wire transfer. She informed me she has initiated the recall process with Wells Fargo ; however, after three attempts from contacting the recipient bank ( BofA ), they had closed the case.
Product: Credit reporting or other personal consumer reports

XXXX account XXXX XXXXXXXX is reporting as a Charge-Off on Credit Report this account was discharged in bankruptcy also the payment history is reporting inaccurate I have disputed this account several times with the credit reporting agencies each time It comeback verified from the furnisher which is XXXXXXXX XXXX Im asking please remove this account from my credit report as it harming my credit. Please remove this account in a timely fashion or I will have no but to pursuit legal action against XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an 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 XXXX 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

Bank of America refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I noticed ALOT of inquiries that I did not authorize nor give anyone permission to pull my credit! I do not approve of these inquiries that's listed. 
Best Choice XX/XX/year>XX/XX/XXXXXXXX XX/XX/year> Cars to go XX/XX/year> Capital XXXX XX/XX/year> Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX 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: Checking or savings account

Wells Fargo kept on charging me for extra overdraft fees of {$35.00} dollars thats too much for an overdraft fee. Then, on top of that I kept getting checks deposited that I had already deposited before in my account again. Ive called them about it they never did anything about it. So my account is at a negative balance. They closed my checking and saving account. When I told them I never cashed no checks over again why would I do that. Then I kept getting charged twice for the same thing. Then, why if Im negative {$75.00} why are you charging me {$35.00} for an overdraft fee its like they want money. Theyre being money hungry and thats what was happening with me. My card got stolen I was getting charged with stuff on my account they didnt refund my money back to me they are so unfair please do something help me get my money back immediately. Help others as well. Because its totally unfair.
Product: Credit reporting or other personal consumer reports

Request for Validate of Debt / Verification of debt Mail out XXXX First class mailed : XX/XX/XXXX Received XXXX XXXX XXXX mail : XX/XX/XXXX Credit bureaus are non-compliance with my request as per law. I requested information via mail. No response. I also mailed out reinvestigation and it hasn't been accepted nor acknowledged. 
This information isn't correct. It's considered an error and is fraud. 
I attached multiple verification of identity to these letters and I also called with no action done or response. 

Please help.