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

The 3 Credit reporting companies XXXX XXXX  and transunion. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  - XX/XX/2022 - {$4700.00} - Account status Closed XXXX  XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( Bankruptcy and ( 2 ) XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX   # XXXX. this account should be deleted ASAP it is not right.
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 15 USC 1681. 
Here are a list of those accounts that have violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have ask this company multiple times to provide me with the amount of Interest I have paid and the amount of principal paid towards the cost of my loan ; as of today they have only provided account history this does not disclose how much of of the paid amounts were to interest. I feel that this company is a predatory lending company. My loan amount keeps increasing instead of decreasing. It is going up as I make my monthly payments. I have enclosed a document reflecting this. They will not provide me with a copy of my loan agreement. I believe that they are charging interest per day my loan is open.
Product: Credit card or prepaid card

I let Amazon know that I received a phone call telling me that I had made a purchase of {$720.00}. It gave me a phone number to call : XXXX. 
I called Amazon directly and told them what happened and they said this was a fraud. I did not call the number given to me on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital one has caused all kinds of problems since Ive had this credit card, really bad customer service, lied to constantly treated very badly, disrespectful employees, constantly transferred from departments to departments, Ive had this credit card for over a 1 and half not one time have they move this over to a unsecured credit card but I have made every payment on time and Im advance I have paid off purchases every time I used my credit card, no one wants to help, every time I call I get hung up on I want the company to reach out to me because there customer service is just that bad, I ask for help I get wrong information Im tired of it and Im just about to close my account with capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

In according 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Payment Report XXXX has violated my rights. 

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

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

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. XXXX IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX XXXX AND TRANSUNION MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED XXXX ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

I been trying to Dispute the Correctiveness of the way that XXXX is reporting on one of my accounts. I am Not stating that it DOESNT belong to Me! I'm simply saying that They are Reporting it in an ILLEGAL FASION. They are reporting LATE PAYMENTS CONTINUOUSLY on an Account That Has Been CLOSED for YEARS! 

FIRST PREMIERE ACCT # XXXX {$XXXX} Opened XX/XX/year> Last Payment XX/XX/year> SEE ATTACHED Screen Shots of Reporting Compared to XXXX! 
* This Account is XXXX XXXX XXXX anyways - Delete Account.
Product: Credit card

I am a victim of identity theft. When I discovered this theft I filed a police report and investigated my various credit reports. Upon review, I found an account at Kikoff Lending that was not opened by me or with my knowledge or consent. I disputed this account directly with the credit bureaus and it was removed from my report, however, about a month later it returned to my credit report and I was told that the creditor suggested that this account was mine and to have it remain on my file. This is not the case. I understand that payments were made on this card but these payments were not made by me. It is my understanding that this card was opened online and sent to an address that was deemed fraudulent. Police report is attached here.
Product: Credit card or prepaid card

I was charged an annual fee of {$190.00} on XX/XX/XXXX by American Express but they gave me a credit of {$200.00} on XX/XX/XXXX. When I called and asked about {$200.00}, a representative told me that it 's a special credit on the anniversary of the card. I told the rep. that I was going to cancel the card to avoid the annual fee but since I got {$200.00}, I am going to keep the card. 

However, I noticed {$200.00} credit reversal on the XX/XX/XXXX on the statement that ended onXX/XX/XXXX, and used the customer chat feature to inquire about that on XX/XX/XXXX. I was told that it was an error that I got {$200.00} so they took it back. I repeatly explained to them that I would have cancelled the card if it was n't for the {$200.00} and asked for the refund on the annual fee but they told me that they ca n't because 30 days has been passed. One rep finally submitted a claim for me on XX/XX/XXXX but told me that it might take up to 30 days and I am the one responsible to call back from time to time to check on the status of the claim. 

I feel like the company tricked me to stay with them and pay the annual fee of {$190.00} by offering {$200.00} credit, only to take it back a month later, when it was too lake for me to act on it to get my annual fee back.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Dear ( RA Roger Collection ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX in XXXX, Virginia, did not notify me that I was on my fifth loan with the 180 day time period at the time of the loan, nor did they tell me that I had the option of repaying that fifth loan in installments. When I returned the next day to reborrow, I was informed that I was in my 45 day waiting period, and could not reborrow. This has put me in jeopardy of not being able to pay certain bills that I need that loan to pay. Prior to this, I had an excellent repayment record with that company. Now, the management of the company will not respond to my calls nor messages to speak to me about the problem with their employees lack of information about the loan process.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent letters to XXXX, Equifax, and XXXX  to validate these innacurate accounts below or remove they are breaking the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. If you can not provide this proof for these accounts below in 30 days you must remove this inaccurate info from my report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

they did not provide verifiable proof to for any of these accounts 1. The following account is inaccurate and isnt mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2. The following account is inaccurate and isnt mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 
3. The following account is inaccurate and isnt mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a XXXX 2 Compliance check
Product: Credit card

Discovered demanded copies of my tax returns government IDs and passports, XXXX months of bank statements, notarized in order for me to use my card on XX/XX/XXXX. They stated that if I do not comply in 14 days, my account will be permanently closed. 
I was not requesting an increase that warranted a freeze on my account. 
I received a letter XX/XX/XXXX telling me that my card had not been used for the last 14 consecutive months and if it was not used in the next four months, it will be closed. 
With that being said, I cant use a card that they put a hold on because I refuse to give them access to my personal information that they did not need because I wasnt requesting anything from them other than to refund all purchases made. They left this card opened in order to continue to charge unwarranted fees, this is very deceptive so its either closed in XXXX which meant it shouldve been closed XX/XX/XXXX and apparently it was not as discover had sent me notification
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help
Product: Checking or savings account

Approximately XXXX months ago ( ~ beginning of XX/XX/2022 ) I have opened an online bank account with Schwab, mainly because they advertise no ATM fees in many countries- and I was planning a trip to XXXX. 
I have transferred soon after ~ XXXX XXXX from my XXXX account, and then used the bank card for one purchase in the US - no problem. 
On XXXX  XX/XX/XXXX I have used my card in XXXX, to get local currency. I have withdrawn 3 times XXXX, XXXX and XXXX euros. Later I have checked my account online, and the transactions were there, everything was ok. 
However, next time when trying to use my bank card I was unable, then tried to access my account online and could not, there was a message to call a Schwab number.

I did that and all I could find out is that some special team at Schwab is investigating my account for suspicious activity. This went on for almost a month, the entire duration of my trip- me calling the bank and getting no resolution. I was left in a foreign country without access to my own money, for an entire month, never got any clarification on what the problem is, even after calling 5 times - I was never called or emailed back, never told anything about who can help, what should I do. 
As of now XX/XX/XXXX there is ~ {$11000.00} in my account that I can not access for almost a month and was not given any clear explanation or timeline when to expect a resolution. The only information the persons answering could tell me was that the " special team '' believe that it wasn't I who opened the account. Well, it was me, if they would call me, I could tell them, but they did not- for a month already. Very disrespectful way to treat customers, no regards to what situation they put me in a foreign country without access to my money, for a suspicion... what happened to innocent till proven guilty?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO XXXX XXXX XXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

A Judgement on my Experian credit report Which is  PAID, h as not been removed.
Product: Payday loan, title loan, or personal loan

Email was sent on XX/XX/23 and spoke to representatives to revoke authorization. They are refusing to comply with the request. XXXX and XXXX are the names of the representatives who spoke with me and my fianc. They said their legal and compliance teams require me to send my ID, my 3 months bank statements, and a picture of myself. This is not a requirement in my loan agreement. They are violating my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX I am writing to formally dispute the inaccurate reporting of my student loans on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report, and credit reporting agencies are required to correct or delete such information when found to be inaccurate or unverifiable. 

The loans in question have been 100 % forgiven, and my balance should accurately reflect {$0.00}. I request that this erroneous information be removed from my credit report immediately.