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

I told them that I am not a student at XXXX XXXX XXXX  XXXX and I never sign for a student loan for {$9600.00} as reported on my Equifax credit report. I would like for this account to be removed immediately from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX, Equifax and XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found a incorrect account on my experian credit report. 
I disputed several times but is still on my credit report. 
Company Name : XXXX XXXX XXXX Account : XXXX Open Date : XX/XX/2012Reason : It is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Synchrony Bank for an Amazon credit card inquiry from XX/XX/2019. They advised me they didn't find any applications or inquiry at this time. They said there was nothing they can do. I want this inquiry removed since I never applied with them. I already reached out to XXXX and they tell me to reach out to the company, Synchrony. I didn't get anywhere with them and I shouldn't be penalized when Im not applying for credit. I put on all 3 of my credit reports, freezes and blocks.
Product: Checking or savings account

Capital one has a previous issue with ne through you unresolved due to deceitful practices ( attached ) This bank is assisting criminally insane law enforcement officers with law enforcement style stalking. This is just a form of victim harassment through third parties. They have my XXXX in their possession and are withholding it and asking ME for identification for a computer verified 5 yr old account. Identification is the current scam of the XXXX XXXX XXXX in law enforcement who were also stalking with the last reports. 

I need all my money and for this bank to stop assisting the mentally ill with fraud and the violent crime of law enforcement style stalking. No investigation goes on for 5 years. Capital one has assisted the criminals and hides the recorded calls and evidence for them. 

I want all the evidence and my XXXX I am on XXXX and have to use it within 30 days for housing or the discrepancy they are causing forces me to lose my benefits for 3 years.
Product: Credit card or prepaid card

Frontier Airlines somehow has two member accounts under my name. I have tried 15 times to contact Frontier to resolve this and they keep sending me to a recorded line with no help. I have paid for Frontier 's discount XXXX  plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount XXXX plan. I've tried over and over to speak with someone from the credit card company and tried to call Frontier. Impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

I had an account open with syncrony bank, the first employee back in XX/XX/XXXX misinformed me that a debt I owed would have been settled and that was the last payment I needed to make, now fast forward 2 years later I call to let a representative know about it and she tell me sorry maam it was never updated that you paid the balance off, we will update it and it takes 3 TO 5 BUSINESS days to see an update towards my credit report. I had already disputed it on my credit in which they denied, so I asked her will they notify the credit bureau to get all of the negative information from the past 2 years off of my account due to misinformation, she said YES. I tell her to connect me to a supervisor so I can get confirmation. The supervisor proceeds to tell me thats the second representative also gave me misinformation and that I still owe {$340.00} to the bank and that shes sorry for her employees giving me misinformation. As I raise the issue of them needing to open a dispute to get this off of my credit since it wasnt my fault, she says well it will take 60 business day. When her coworker just told me it would be 3-7. Please look into this matter. They claim that the calls are recorded. 

They dont have information on the employee from XXXX, but the 1 employee from XXXX is XXXX ID # XXXX Second person spoken with : Supervisor XXXX ID # XXXX They do not have reference numbers for the phone call so when trying to get information on it you have to refer to the time/date called with was XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day my name is XXXX XXXX. I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit card or prepaid card

XX/XX/XXXX  Dear Gentle Person, Hope you are well. Here is the credit card violation by Sychrony Bank credit supplier of Walmart : 1. I bought a TV in   XXXX    on an interest free for a year program ' 2. I paid extra each month almost to pay off before time period 3. 18 months later they charged me {$360.00} in interest & said it was for TV 4.On  XX/XX/XXXX  I got customer service & had to ask for Service Manager 5. I got  XXXX  at ext  XXXX  6. She told me I had to ask the money to be allocated for TV each month I stated no one stated such a thing or provided a document stating such a thing at Walmart or Sams 7. She stated thats their job not the banks 8. I stated that 's not correct you are the credit provider it must according to consumer law be done at the time of purchase disclosed all terms in writing & this was not done & is not being done at all 9. She then checked my account & stated she would allocate the extra money I paid & pay for TV I should see the refund by Thursday  XX/XX/XXXX  10. I did not see it 11. I called again after 25 min on the phone they stated it was being worked This is the big picture neither Walmart the seller or Sychrony bank is telling the buyers they have to call & allocate the funds specifically the item they are buying on the interest free program & thousands of Walmart customers or Sam 's do not knowing & are getting stuck with huge interest bills after paying extra to pay an item off.
<P/>
Thousands of consumers are getting hoodwinked by not getting told verbally or in writing this important fact. False advertising & consumer fraud it appears is going on here.
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Thank You   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of 4 public records currently being reported on my equifax credit file. Equifax came back and said the public records were verified and that they are reporting correctly, they also reported that this information was received from XXXX. I contacted XXXX XXXX and spoke with the customer service rep who stated that equifax had not requested a copy of my consumer file. The customer service rep at XXXX XXXX stated that my consume file with XXXX was and has been frozen since XXXX  2017- and that it was not possible for equifax to obtain the information from them. This file with XXXX is frozen due to inaccurate information being reported.
Product: Credit reporting or other personal consumer reports

Lexis Nexis refused to provided consumer with XXXX  reported for Auto Insurance and violated right to privacy Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting Agency.
Product: Vehicle loan or lease

I have already paid {$18000.00} for a vehicle that was priced at the time 2020 for XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resubmitting 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 item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AGENCIESshall 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: Debt collection

They sent letters and called over 100 times also threatened to auction the vehicle to a third party and if they didnt get the value I would have to pay the remaining balance which could still hurt my credit In accordance with the Fair Credit Reporting act XXXX this creditorhas 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
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 and also violated compliance procedures under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 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 y
ears.

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.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i have attached the reports showing that they arent accurate after they said they did there investigation.if an investigation took place like that said why are they still inaccurate
Product: Mortgage

According to AmeriHome Mortgage, an escrow payment was made to XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/. In XX/XX/, I received a letter from XXXX that payment had not been made. I contacted the mortgage company, thay claimed payment had been made, to wait another week. Again, in early XXXX I received another letter from XXXX, this time stating that my insurance would be cancelled if payment was not received by XX/XX/. Again, I contacted AmeriHome. Same statement, to wait. I contacted both XXXX and AmeriHome, checking on status of the payment. XX/XX/XXXX  I received notification, that payment had been made. 
However, when I received my XXXX in XXXX, I noticed that AmeriHome had made two ( 2 ) insurance payments, thus, resulting in a negative escrow balance. I have tried to get this resolved, to no avail. They won't admit they made 2 payments and now they are going to raise my mortgage payment to cover the escrow shortfall. There sould n't be a shortfall, since they made 2 payments, and I ver authorized the second payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had deposited money in to my account where I had to be logged on to my online banking which allows the doors to my private accounts I had in my portfolio to be accessed when I went and deposited the checks and everything went fine and I did my deposit just fine and also have my SER number on my receipt meaning the checks were good and there is money in my account that the money is coming out of. I put money in my debit account for me to use and my money went in there but they were telling me when they had checked the account when I was logged off they say they didn't get any information to the check pretainting that it even existed meaning they weren't able to pull up the account because its in my portfolio and I must have been logged of when they were checking the check to see if there was money in there. There was around {>= $1,000,000} in there as the best to my knowledge. Anyways they seen the amount of money me as a custome had in my Private Portfolio and they probably thought something else. I had money in my Portfolio and I have all my account number that only I can access and bank of America has no way of accessing it unless im logged on. I inherited from the Father of the XXXX XXXX XXXX XXXX XXXX and they were probably shocked of probably seeing my inheritance. Anyways they cancelled both of my debit cards out and they deleted my entire online banking which I know I have my account numbers and they are all in the VAULT. Ill have FBI pull my accounts out of the Vault but these guys or someone Forced Closed Accounts and deleted my entire online banking access as if I have passed away. I have my Force Close off Statements and what they put in the Consumer reports is false saying they had to close my accounts because I was in the negative. I've gone to every bank and tried opening an account with them and they are telling me they are not able to open a bank account with them because of what's in the consumer report. Bank of America has put in two false reports in the consumer reports and they need to be removed because they are not true and its being a ruin in my life. My life has came to a hault and nothing seems to be moving because what Bank of America has done to me.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED XXXX CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. THESE XXXX FRAUD INQURIES I HAVE NO KNOWLEDGE OF,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Experian signed and post dated XXXX requesting that Experian investigate and remove two ( 2 ) inaccurate items reporting negatively on my Experian Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Experian had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my Id and Bank Statement and credit bill with my address for a report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed items and take out them if unable to show that the Items are mine. I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Transunion is guaranteed to fulfil with the FCRA regulation section 605b but regardless of all my labours to notify Transunion about the theft of my Individuality and that the items were never mine, the Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. I am determined to take legal action against them but I will be lavish enough to give Transunion couple more chances to verify me wrong about my conclusion. I have attached my FTC report and Police Report I filed on my local Police Department for your reference. Once again, I am urging Transunion to get rid of the following items completely from my File with or without appropriate verification since the time set to the Credit Bureaus to examine was already done. I need the following Items removed now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX XXXX. These need removed. I disputed them and then transunion and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself
Product: Mortgage

Nationstar is foreclosing on my home. 

In XX/XX/XXXX, Nationstar refused my payment to bring my account current. 
One of the reasons I was given was that after a 3 month trial for a modification, the final paperwork was never signed. In XXXX, and after Nationstar still accepted a payment without those papers being sign, I asked that those papers be emailed to me so that I could sign them. They were not. 
Had Nationstar sent those papers, via email, as I requested, accepted my payments, in XXXX, my home would not be in jeopardy. 
I have applied for a modification twice since XX/XX/XXXXand twice been rejected. 
As per legal advice, I have requested by email ( XX/XX/XXXX ) documents related to my account. Nationstar has not responded. 
I have also sent by certified mail, Request for Information forms ( RESPA ). It has been over 30 days and Nationstar has not responded. 
My home should not be in foreclosure. 
This entire situation has continued to have an adverse affect on my physical and emotional health.
Product: Credit reporting or other personal consumer reports

Upon checking my credit reports I seen many inquiries that I did not authorize. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I cancelled my XXXX Account in XX/XX/XXXX by going to their office, taking in my modem, and telling them I was cancelling my account. They claimed to have cancelled it. Gave me a receipt. The next month, they billed me as usual, as they have for XXXX years. I did not pay. They sent me a late payment notice. Then, they charged me XXXX for a late payment that I did not owe in the first place. I did not pay it. Then, they sent their false charge to a collection agency ( Sequium Asset Solutions ) for the late fee charge.