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

15 U.S. 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!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. 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 consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXX XXXX {$420.00} Credit management Lp {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Incredibly XXXX XXXX literally refuses to follow the FCRA, FCBA, or any Federal or state law governing billing disputes. This case is as defiant as you will ever come across concerning a financial company 's willingness to follow the law. There can be zero doubt XXXX XXXX is aware of the law, aware how they are in violation of the law as numerous emails, complaints and phone calls have been made to this reckless and defiant company, including to the CEO himself XXXX XXXX, and other board members. There is no other way to read there defiance but as a direct XXXX XXXX to Congress, the CFPB and the Courts. 
XXXX XXXX does business in America, they Profit off of Americans, but they have decided to ignore the laws, probably because they do not have any respect or fear for Congress or the courts. 

Since XX/XX/XXXX, I have had a dispute concerning a XXXX unauthorized charge in the amount of {$1000.00}. Although XXXX XXXX continues to have the investigation open they have been reporting the {$1000.00} as part of my balance to the credit bureaus. Which also places my account over the limit. The correct balance should be reflected as {$430.00}. As a result I have been denied credit including a mortgage and SBA PPP loan. 

XXXX XXXX claims they have contacted XXXX concerning my dispute, However I have contacted XXXX on several occasions asking for information concerning my dispute, each time XXXX has contradicted XXXX XXXX claims, stating XXXX XXXX has never contacted them concerning my dispute. If this is true and it likely is, they should not be in business and the CFPB should sanction them as a message to deter other financial companies from this egregious behavior. I have attached a recording of one of those conversation which happened on XX/XX/XXXX Further, as you will see in the attachments, XXXX XXXX had updated the 3 credit bureaus on XX/XX/XXXX than a week later deleted that update however leaving the XX/XX/XXXX information they furnished. 
XXXX also continues to charge me interest on the disputed charge. 
This complaint will be shared with members of congress, and the Mi. Attorney General and XXXX XXXX XXXX who I intend to retain in the upcoming weeks as soon as the finish reviewing my case. Note : I XXXX they can keep 100 % of whatever amount they may win.
Product: Mortgage

Mr. Copper is delinquent on paying a portion of my property taxes for over a year and a half on my XXXX XXXX XXXX XXXX. Their phone service is automated and will not connect you to a live person and eventually hangs up on you. They have an email address that sometimes will respond, but has not at all the last XXXX times. 
XXXX years ago they sent a letter basically saying there was no issue and taxes were paid in full. They do understand their is a XXXX XXXX XXXX XXXX with a separate bill from the first XXXX XXXX XXXX. I refinanced XXXX  years ago and this was not a problem for the first XXXX years. I am getting multiple letters from XXXX XXXX.
Product: Mortgage

Applied with XXXX XXXX XXXXXXXX program to catch up money owed from a forebarance that amounted to XXXX  months of monthly payments. XXXX gave my server Freedom Mortgage XXXX months of payments ( {$1500.00}. x XXXX = {$12000.00}. ) However XXXX only paid for XXXX months and has considered me XXXX months behind for the past XXXX months and has applied late fees without my knowledge for the entire XXXX months. I have paid my monthly mortgage statement on time and I have never been late making my monthly payments. These late fees are unjust and incorrect and XXXX has reported late payments for this entire time ruining my credit. Also, I have been lied to and deceived by XXXX to an unlawful degree. The first XXXX months of 2024 I received monthly statements that all had a different amounts owed. I receive threats of foreclosure every month when I have paid my statement every month and are all dated the day after I pay my bill.
Product: Credit reporting or other personal consumer reports

I dispute these inquiries in my credit report that I did not make because I was a victim of identity theft. I have attached the report. 
This are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit reporting Act the list below has violate my rights as a consumer right privacy. 

Account # XXXX 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 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: Money transfer, virtual currency, or money service

Paypal is the company. They market work with small businesses to help with there ecomerce website but it's a lie. They own a monopoly in the payment ecomerce website world and XXXX and other companies have a monopoly with using payment transactions for an online website. They should immediately accept my application for my ecomerce website to integrate paypal as a payment system. How are any small companies supposed to strive if big corporations like XXXX and paypal won't even give a small company a chance. Filing a complaint on paypal. Accept payouts API application immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is very old they acting like this account was just open. They are reporting inaccurate information on my credit saying it is 30 days late.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Account Name : XXXX XXXX XXXX Amex a/c # XXXX, don't have the full numbers coz I did not received the card. Present address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX & XX/XX/XXXX : I rec 'd a letter of confirmation for request, which I did NOT, to update my address on my Amex acct # XXXX, but still gave my present address. 

XXXX XXXX, XXXX : They informed that I have an Account Balance of {>= $1,000,000}, which I readily disputed on my response on XX/XX/XXXX. I requested copies of all the charges made be sent to me for verification, in order to help both of us ( AMEX ). 

XX/XX/XXXX : infroming us USPS can't deliver to said address. The city is wrong, XXXX insread of XXXX XXXX. Inefficient staff they assumed same city ( XXXX ) on different state. 

XXXX XXXX : Rec't Statements for XXXX, XXXX & XXXX XXXX, XXXX {$18000.00}. 2nd Req. 
for detailed charges made. 

XXXX XXXX : Advised that they recived my inquiries. 

XX/XX/XXXX : Advised that the requested statements can NOT be provided due to inactivity and fall outside the retention period. 

XXXX XXXX : Furnished Statement ( s ) copies beriod beg XXXX XXXX XXXX XXXX still don't have the detailed Charges. 

XX/XX/XXXX : Advised that they are working on it ...... AGAIN ... .STILL. 

XX/XX/XXXX : Informing me that my Application for a card is denied. I disputed their decision since they did Not investigate my concerns. Inefficient, all they have to do is check whether there is activity in any of the credit reporting companies to check if I am telling the truth. 

XXXX XXXX : Same as XXXX XXXX XXXX : Again, start of investigation. 

XX/XX/XXXX : Again, they will be investigating, back to ground " 0 ''. 

XXXX XXXX : Denied! Replied XXXX, I insisted that they correct their records and the Credit Bureaus and sent me the corrected report. 

XX/XX/XXXX : Sent me same sets of Statements, what a waste of their time and mine.
Product: Mortgage

Lender is asking for the length of my XXXX or proof that I will continue to receive SSA for three years!
Product: Vehicle loan or lease

XXXX***THIS IS NOT A DUPLICATE CASE**** I have called 4 days in a row and no one can assist me on my extension that I requested on XX/XX/22 - No docs ever received and they will not process my extension... .I NEED ASSISTANCE AND DOCS EMAILED ASAP!! I have waited and waited and nothing in the mail ... .ASSISTANCE NEEDED IMMEDIATELY. DO NOT CLOSE THIS AS A DUPLICATE, BECAUSE I HAVE NEVER EVER BEEN ASSISTED TO BEGIN WITH. HORRIBLE CUSTOMER SERVICE FOR A FINANCE COMPANY. I WILL REPORT THIS COMPANY TO ALL AVENUES...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reported to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from this account, XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ).
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX XXXXXXXXXXXX XXXX AND XXXXXXXX XXXX SUBMITTED INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. I REQUESTED ITEMIZED LIST FOR VALIDITY. THE XXXX XXXX DID NOT INCLUDE MY SECURITY DEPOSIT IN THE BALANCE. SHE ARGUED WITH ME STATING SHE WAS POSITIVE I PAID NONE. I RECORDED OUR CONVERSATION AND INFORMED HER I HAVE MY LEASE THST SHOWS I DID PAY XXXX DEPOSIT. ALL EVIDENCE HAS BEEN SENT TO XXXX XXXX AND XXXX XXXX  VIOLATION OF REPORTING INACCURATE AND INCOMPLETE INFO
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by TransUnion XXXX XXXX. Investigation Results- DELETED : The dispute item ( XXXX ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from XXXX, detailed XXXX XXXX has flagged my account as Collection on XX/XX/2022. 

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 instruction.
Product: Student loan

My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.
Product: Credit card or prepaid card

XX/XX/20 Capital one restricted my Walmart Credit card. 
I was sleep but before I slept I was advised to submit my, social security number, bank statement. 
I asked my wife to do so. 
She submitted everything correctly except my old ID before I got my XXXX tanker I'd updated. 
Which was a three.minth old ID. 
So after calling Capital ine 100 times to explain the mistake they said they were not going to lift the restrictions and they were going to pla lce a negative on my credit report for fraud. 
That is wrong for them to do that.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act on XX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # 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 did not authorize or consent to these hard inquiries on my consumer report. Nor did I give Equifax permission to make a report on my behalf. Please remove the following accounts thats in the letter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report 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 XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or any other adverse item of information other than a record of convictions 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 any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.
Product: Checking or savings account

I moved out of the XXXX many years ago, but still have an old bank account with Citibank, which I left open as it wasn't charging me anything to keep it and it might be useful. They recently started charging me for keeping it open. I didn't know about this change, as when I tried to log on to their website to access my documents, I was effectively locked out as they needed to verify with my disused telephone number, so I didn't know it was coming. I tried calling them to get access, but they require me to provide them with my debit card number ( which I don't have, likely due to my address being out of date ) - my account number and other proof of my identity is insufficient. After talking on the phone, they said the only way I could get access is if I had my debit card number. 

I'm thus left with no way to prove my identity to them so I can access my accounts to stop them from continuing to charge me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been using Possible on and off for almost two years now and I have been able to access and pay back borrowed funds with no issue. However, for the last few months I have been unable to make a final payment for a loan I took out several months ago. Each time I have reached out to ask them if I can just make a direct payment, they re-route me to their mobile app and ask me to re-connect my bank account. I have tried for the last 2-3 days to link my new bank account and to no avail. They are not willing to allow me to make that payment another way that will not result in technical difficulties. Also, they have reported to the credit reporting agencies that my payment is late and it has caused a major dent on my credit which is hindering me from moving into a new apartment.