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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX accounts # XXXX opened XX/XX/XXXX and XXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed accounts reporting that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX.
Product: Mortgage

I have been on the phone for 25 minute trying to catch my mortgage up to date. I removed money from my 403 k plan to pay back past 6 months of missed. freedom mortgage is refusing to take the money and I had asked to fill out a modification several times in the past few months and they said no I can't because I'm behind. I also told them it takes about 30 days for my money to come from my retirement and the last time they had me request the wrong amount and than charged an enormous late fee. I took out extra this time but really need a modification I was out of work due to an injury late in the summer refereeing hockey game at my part time job. The lady at Freedom just refused to take the payment and told me I could only apply for a forebearance
Product: Student loan

I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX XXXX XXXX ( XXXX ). I have all payment history from the date of XXXX ' purchase but would like the prior seven years ' worth of history from Conduent. 

Payments began XX/XX/2006 and I've deferred for 18 months ( non consecutive ) throughout that time, making minimum payments and above for approximately 120 months. To date, my original principal balance of XXXX XXXX has been reduced by XXXX XXXX. I need to confirm accuracy by reviewing the history in total, as the original schedule was set to be paid in full after 120 consecutive payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had a live chat conversation with agent on my PayPal account asking him ( XXXX ) if I make extra payment to my PayPal will it be allocated to the special financial purchases that are coming due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX advised to make the payment in the amount of {$1900.00} and he will have the payments applied to the account according to my request. So made the payments while he was on the live chat with me. The problem is instead of applying the payments per my request ( Synchrony Bank ) PayPal which would have paid off amount due for those months. Instead payments when to XX/XX/XXXX and special finances purchases that would have come due in year XXXX and XXXX. Kindly keep in mind that I had already made the minimum payment of {$220.00} on XX/XX/XXXX towards the XX/XX/XXXX due date. From since XX/XX/XXXX I have contacted Synchrony Bank via telephone, messages online, and live chat to get this done. Now they are charging me accrued interest for XXXX in the amount {$64.00}. I just received a billing statement for {$1600.00} due for XX/XX/XXXX ( special finances purchases ) if I do not pay the full amount I will be held responsible for accrued interest total {$170.00}. for the month of XXXX. I have already paid off these payments. I have tried to get this clear up and all I am getting is run around I fell like I am fighting a phantom.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau ( cfpb ) DateXXXX Dear cfpb Manager Regard to HI-TECH XXXX Merchant account number XXXX We had a horrible Merchant Service Experience with Our provider ( Fiserv ) which is against good faith in business. Fiserv is a new company that bought Firstdata and we did not have any problem with Firstdata during the last 10 years. 
We realized that our Credit card reader Terminal settings were malfunctioning ( For unknown reason or might by Fiserv online access/Update etc. ) and didn't do automatic batch closing for several months Between XX/XX/XXXX to XX/XX/XXXX ) ( XXXXocument # 1 ). It means Fiserv does not have ability to online realize the terminal malfunction, contrary to their claims on the website ( Document # 2 ). We did call Fiserv on XX/XX/XXXX customer service and they fixed the problem in the Terminal ( Case # XXXX ) and inform us, in the next 48 Hours you will get the funds in your account. After several days we realized, they put our money on hold till now. They asked for a lot of documents and forced to provide our bank statement ( which is illegal ) but still no funds in our account. Their communication was under unknown phone calls or via unnamed emails ( Document # 3 ) and several times I did contact the merchant service to make sure those communications are true. The last phone call was for the Fiserv Risk Management department on XX/XX/XXXX and informed us : we can not pay your money because you don't have enough support! The reality is our support is our money that Fiserv put it on hold so their answer was paradoxical. 
In addition, Fiserv not only put hold on late ( batch closed ) transactions but also put hold on all of our normal ( batch closed ) transactions occurred after their fix/repair procedure or all transactions after XX/XX/XXXX. ( Document # 1 ) The merchant company ( Fiserv ) has a special Dispute procedure for future possibly customer 's disputes, but the Fiserv answer/Act is beyond the routine procedure. it means Fiserv put hold to our company credit card transactions/Funds illegally for no reason. 
Fiserv not only didnt help us to fix that problem but also after the complaint, closed our merchant account which is strictly against the good faith in the business relationship. As per their illegal action We dont have any access to the terminal report option and it means Fiserv does not want us to have access to any Document. 
The Fiserv decision is against good faith in a business relationship and it put a serious threat to our small business activity. we would like to take legal action against this decision. 
Please let me know how cfpb can help us in this legal action Please let me know if you need any other documents XXXX XXXX Business owner/Manager HI-TECH XXXX XXXX.
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 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 entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires
Product: Credit reporting

Both myself and a credit agency have written and called on a three way call since XXXX to the have the " consumer disputes '' REMOVED from XXXX, and yet Equifax adds it back on just so that I have to keep a monthly account to MONITOR THEM!!!! 
Remarks " Consumer disputes after resolution Student loan - payment deferred Fixed rate ''
Product: Student loan

I have been in school and filled my in-school deferment forms each semester. Every time, AESXXXX bank rejects my forms many times until they decide to accept them. 

I have paid $ XXXX of my loans as a student, using student loans. 

This time, the semester is almost over. They are still calling my account XXXX  XXXX days past due. They are reporting to credit reporting agencies, as well as my cosigners agencies. They are threatening me with full repayment and losing my options. They are harassing me and my cosigner ( my grandmother, in a XXXX XXXX  ). 

I have called every week, spoken to customer service representatives weekly,
Product: Debt collection

I received a letter from Dynamic Recovery Solutions stating that I owe them a debt of {$2200.00} and that I had 3 options for resolving this debt. They are stating that if I do not resolve this now I will not have another chance. However, I have no debt related to the company that they are stating and there is no association with me and this company.
Product: Mortgage

Bank of America has made up XXXX different excuses for denying my FHA mortgage loan modification documents. Documents were completed exactly as BofA instructed me to do. I made numerous phone calls to make sure they were done correctly- BofA admits to seeing the notes of those calls, but refused to reverse the decision they made in error. Each time I talked to a different BofA representative, they told me a different reason why the documents were rejected. They lied to me and were corrected with written proof during the same phone call, and still would not reverse their decision. What they are doing is fraud. I do believe they are back to offering employees incentives for denying loan modifications.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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. 
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 with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these items immediately : XXXX XXXX XXXX XXXX 
Account Number : XXXX
Product: Mortgage

I was attempting to buy a home. I paid for inspection on the home I was attempting to buy along with the appraisal. The lender has refused to return my calls. The number on the company website does not work. The loan officer I was using no longer responds to my calls or my text messages. I have switched lenders now since there is no way to get ahold of the lending company. I need the appraisal to the house that I already paid for to move forward with my current lender. They never sent me the appraisal and now refuse to speak with me I have reached out numerous times. I have attempted to call and text as well as email and no one will respond to me. I dont know what else to do to get the appraisal. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act 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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

Chrysler Capital have attempted to sue me for a debt that has been charged off within their system. They have also not validated nor responded to previous disputes or cease and desist notice received XX/XX/23. ( See Attached Exhibits ). The reporting of this account on my consumer report is causing me harm and and restricting my ability to utilize my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 XXXX, you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a low income status American. I have a perfect history of payments for the last 5 years. 

Due to XXXX  rules ( I am going to guess ) or lack of fair reporting and use, I am being whopped in any month that I miss the ( unknown to me ) date that a given credit card company sends its that day report to the credit bureaus. This seems completely unfair and also inaccurate per both my use and monthly payment. 

I use American Express as my primary card for most large transactions ( over {$500.00} ). I all but pay the statement balance off each month but I do so in chunks as I get paid each month. I also use my card each month In a typical month, I will have a balance of {$4700.00} but I pay down over {$3500.00} over the month but I may add {$3500.00} during the month in new purchases. 

How is it fair or accurate, that American Express provides a one day in the month XXXX and the three credit bureaus and XXXX  calculation ( which consumers can not be provided ), use this as if that represents the whole month view? Should credit companies not be required to provide average month numbers or provide the total amount paid each month toward credit balances, instead of some one-day snapshot?? 

Consequently, when I use my credit card but pay it all but off each month, XXXX  penalizes me to point that my score goes low by as much as XXXX  points!! the CFPB needs to update and require credit card companies and credit bureaus to use monthly averages as well as statement balance vs monthly total payment info, not just a one-day snapshot.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes for the following accounts... 

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 notified Equifax, XXXX, and XXXX about the Federal Violation of 15 USC 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 INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE EQUIFAX, XXXX, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX. 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXXXXXX 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 i wil be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I was going over my credit report and the following addresses are all wrong and need to be removed off my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX the only address that should be on there is XXXX XXXX XXXX.