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

This morning, I was alarmed to find incorrect accounts on my credit report without any explanation. I check my report regularly, but these discrepancies were entirely unexpected. I even refreshed my browser, hoping it was just a temporary error, but the issue persisted. As a result, I kindly ask for a careful review of the documents I provided so I can have lasting peace of mind.
Product: Checking or savings account

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX and through beneficiary banks XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in the total amount of XXXX USD utilizing their services.
Product: Student loan

The way my payments are being applied, some payments go strictly to interest alone and nothing is being applied to principal, and when it does it is a very small amount. When I asked for an amortization table so I can understand how the payments are applied I was given excuses and still have not received one or an explanation how the payments are to be applied. 

Navient
Product: Debt collection

I had a fire in my home XX/XX/year>. No services were used after this date. Attached is fire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit and noticed 2 accounts that are not mine, which are Online information services for {$540.00} XXXX XXXX with no amount listed. I contacted Experian credit report and file Fraud. There was also 5 inquirys I did not authorize. XXXX, XXXX XXXX XXXX XXXX, & XXXX others
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

I received a statement by TD bank about an opened checking account and I know this is a fraudulent account because I never opened it. I tried calling TD Bank but never got to speak to someone on their customer service line for about an hour after holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX. ( Please see pages 6, 7 and 8 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX XXXX directly and advised that each account is reporting differently to XXXX, XXXX, and TransUnion. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX  ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXXDEPT OF EDUCATION ACCOUNT # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I made previous complaints to Portfolio Recovery Associates , LLC to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX  consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my XXXX reports immediately.
Product: Debt collection

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna/sears XX/XX/20, XXXX XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on my credit report.
Product: Debt collection

Achieve Personal Loans continues to send me a printout of a bill or itemized document as debt validation.They continue to report on my XXXX credit report violating my rights via identity theft. I have never conducted business with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Achieve personal loans has 30 days to delete the accounts in violation before I sue for violations.
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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on XXXX XXXX/EQUIFAX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX/EQUIFAX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EQUIFAX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Information Address XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type REAL ESTATE-JUNIOR LIENS Date Updated XX/XX/XXXX Payment Received {$150.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$30.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX- XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( 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 am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 
I have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.
Product: Debt collection

I.Q. Data is charging me for a debt I already paid through a different company. I informed and provided a letter from the company I paid for proof. They still wont quit collection attempts and they wont update the collection account on my credit report.
Product: Money transfer, virtual currency, or money service

I had a Credit Karma Save Account that was closed by Credit Karma. At the time of account closure, the total amount on the account was XXXX. 

After the account closure, Credit Karma was supposed to transfer the full amount of money ( {$220000.00} ) that was on the account to XXXX of my linked banking financial institutions XXXX XXXX XXXX XXXX and XXXX XXXX ). 

On XX/XX/year>, Credit Karma transferred {$100000.00} to one of my linked financial institution XXXX XXXX XXXX XXXXXXXX ). 
Credit Karma also transferred {$110000.00} to my other linked financial institution ( XXXX XXXX ) on XX/XX/year>. 

The total amount of the two transfers was {$210000.00}, which is {$9900.00} less than I was supposed to receive. 

I contacted Credit Karma multiple times on the phone and by email and told them about this situation. They opened a case # XXXX on XX/XX/year> and promised to escalate and resolve it. 

As of today ( XX/XX/year> ), the issue has not been resolved and the amount of {$9900.00} has not been returned to me and every time I communicate with them about it, it feels like they don't know how to resolve the situation or just don't want to resolve the situation at all.
Product: Credit reporting or other personal consumer reports

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed 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  These items are Illegally being reported on my credit report and i need them removed
Product: Debt collection

LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.
Product: Credit card or prepaid card

On XX/XX/2020 I received a credit card in my name from US Bank. I never applied for a credit card from US Bank nor have I ever had an account with US Bank.
Product: Checking or savings account

I just read this article XXXX XXXX XXXXXXXX I do the best that I can to earn money, and I also am human and I do like to shop and sometimes Wells Fargo excepts withdrawals without my consent to pay back XXXX companies that I plan to pay on a different date and I might pay off my overdraft fee if they charge me a ridiculous amount of overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon federal credit Union ran my credit and I never have applied for a credit union. I live in Arizona there isnt one here. Someone is using my social security number
Product: Mortgage

BACKGROUND : Our mortgage had been in place for seven years. We have always maintained full property insurance, as required. Our insurer and agent has always sent the servicer proper advise of our continuous coverage. Meanwhile, the servicer has claimed repeatedly that our insurance was expired or non-existent. The most recent occurrance of this behavior is exhibited on FORM LETTER # XXXX attached dated XX/XX/24. 

After receiving letter # XXXX, we first followed up to the servicer by telephone. In that phone call, the XXXX told us verbally what insurance information they had " on file '' for us. The information they conveyed was completely erroneous ( wrong insurer name and wrong expiration date )! We became very concerned about fraud and identity theft, because it appeared the XXXX had mixed up our records with those from a different customer. Where else could the false insurer and expiration data come from? 

For this latest false claim by the Servicer ( letter # XXXX ), we sent the Servicer letter # XXXX dated XX/XX/24 attached. Considering the past and current inaccurate Servicer recordkeeping, our letter reasonably requested that the servicer provide us with a summary of past entries, changes and data sources for the insurance information they had entered on our account records. Only by seeing this infromation can we compare it to insurance information sent to the servicer by agents and insurers. Only by doing this can we get evidence of the accuracy or ineptitude of the servicer 's recordkeeping. 

Subsequently, we received the servicer 's FORM LETTER # XXXX dated XX/XX/24, indicating they now purportedly had accurate insurance information even though ( a ) they had accurate information it all along until they mixed up our records with those of other customers and ( b ) THEY DID NOT DISCLOSE WHAT INFORMATION THEY NOW HAVE so we have no way of knowing just WHAT their records show now. 

The servicing provided on this mortgage loan - as it relates to insurance monitoring- is sloppy at best. At worst, it puts customer privacy at risk because customer data is not accurately updated and maintained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

On XX/XX/XXXX I made an XXXX XXXX credit card payment {$1900.00} of which {$1800.00} was for XXXX assessments owed and {$55.00} was payment fee. 

As of today XX/XX/XXXX the association, the management and the associations attorney XXXX XXXX XXXX # XXXX Continues to bill us this amount, plus late fees on this amount plus interest on this amount which was paid on XX/XX/XXXX. 

I have brought it to the attention of the XXXX management, the XXXX Board and as of XXXX of this year the XXXX management referral all communications to the XXXX Attorney XXXX XXXX XXXX California Bar # XXXX. All parties are fully aware that this amount was paid, all parties refuse to update accounting to remove this amount plus late fees plus interest on this amount. 

The XXXX filed and recorded a lien # XXXX on XX/XX/XXXX with inactive law firm XXXX XXXX  XXXX which this Attorney was previously part of. After over 1.5 years of me addressing this issue Finally on XX/XX/XXXX the lien was released however the duplicate bill of same amount {$1800.00} paid on XX/XX/XXXX still showing on our billing plus late plus interest They all refuse to update and remove incorrect billing.