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

There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # 3 XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX Paid in full and I have the letter stating paid as agreed.
Product: Credit reporting or other personal consumer reports

I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX  secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX  email XXXX Thank you
Product: Mortgage

In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION.

n 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  account number : XXXX {$670.00} XXXX XXXX account XXXX {$430.00} XXXX XXXX XXXX account number : XXXX {$400.00} dept of educationXXXX account number : XXXX {$1700.00} XXXXXXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX  account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I havright 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.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exist
Product: Student loan

Today, XX/XX/XXXX, I called AidAdvantage and requested to know my payment count. I had already consolidated my federal loans a long time ago. I am on the XXXX XXXX XXXX. I have been in repayment since XXXX. I believe that I qualify for forgiveness and that I should at least be given a payment count. Aid Advantage is not able to provide any information on my status, and the agent gave conflicting information. In the meantime, I am being asked to resume paying, with interest accruing, while many of my colleagues who have been in a similar situation ( payment for more than 20 years ) have already received notice of forgiveness.
Product: Credit reporting

There is an address on my credit report that I never lived at. Can someone please help me get it removed.
Product: Credit card or prepaid card

The card was fraudulently used in XX/XX/2023 and we reported the fraud. The fraud was supposedly handled. We then paid the card off for the legitimate charges and closed the account in early XX/XX/2023. Despite the card being closed and receiving documentation in this regard, the card had fraud charges related to cash advances reappear in XX/XX/2023 and interest on cash advances was applied to the " canceled '' card in XXXX and XXXX. I have called at least 10 times to get the card properly canceled and the fraud dealt with to no avail.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
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 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 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 adverse item 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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian and XXXX about disputing the specific date of the account, its from XXXX. Should it be removed off my credit report?
Product: Debt collection

Asked LVNV FUNDING LLC to provide verification of debt, company failed to do so.
Product: Credit reporting or other personal consumer reports

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


I am a victim of identity theft and did not receive notification and there is an address on my credit report that is not mine. I have never lived at XXXX XXXX XXXX XXXX MO XXXX. This address is tied to a fraudulent account with XXXX XXXX MN. 

My rights are being violated
Product: Credit reporting

Between XX/XX/XXXX and XX/XX/XXXX my credit score went from XXXX to XXXX due to a derogatory claim on my credit report. I have to receive any legal verification of this via certified mail or otherwise.
Product: Mortgage

there was no satisfaction of mortgage when different companies took over the mortgage throughout the years. As a result I have an unclear Title. According to the city where my property is located AT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX section XXXX, Block XXXX and Lot XXXX Mortgage XXXX was assigned to XXXX XXXX & XXXX XXXX they must give you a satisfaction of mortgage. Mortgage XXXX XXXX XXXX must give you a satisfaction. Mortgage XXXX was assigned to XXXX XXXX  XXXX and they must give you a satisfaction. PHH is reporting to credit report but paperwork comes from XXXX
Product: Credit reporting or other personal consumer reports

Im writing you in reference to the Credit reporting agencies have improperly used my credit report and is reporting accounts on my consumer credit report that I have asked them to remove. I know that you have sued XXXX for the very same thing that they are currently violating on my credit report. This has caused so much damage to my credit report and needless to say their infraction is causing me and my children to be homeless. These companies are violating my rights according to 15 USC 1681i ( a ), 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B. Please help. 

Account NamXXXX XXXX XXXX XXXX XXXX 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

PayPal limited my account for no reason and will not help me with getting back my money because they hol it for 180 days and i really need my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
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 U.S.C 1681.

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 : that no consumer reporting agency may take 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 168s-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. 

Date Reported, Company, and Address XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

2 years ago it appeared on my credit report, and received a letter from Chase Bank that it was opened several years ago for {$10000.00}. Payments were made for years then stopped. I've never had a credit card with them, it was disputed with XXXX and removed from my credit history within 24 hours. Now this company called XXXX has been calling, today was probably the 10th phone call, but the first time I spoke with them. They even called my mother 's home! Chase should contact them as well and pursue legal action.
Product: Prepaid card

I bought my card atXX/XX/XXXX in Oklahoma while I was with my family for the festive season which was to be for my childrens gaming device, I paid with CASH and back home to make use of the card same day, I found out that it was on HOLD, so I reached out to the Customer Care and I was told a new card was will be sent to me, so while dealing with that, I reported to my brother XXXX XXXX and he reached out to a Customer Care Representative too and he was told the same thing, I reached out later and I was told who else called on behalf of the card and I said it was my brother XXXX and I was told to send some DOCUMENTS and all, which I did and a new card was sent to me but on receiving the card and upon Activation, the card was placed on hold again and I was told to upload the same documents again and its been over a week now, yet I couldnt use my new card nor get a new Replacement Card, please i need to know whats going on. Vanilla and Incomm are day light robbers, please I need help and I will be uploading the whole documents here too, thanks My Old Address is on my ID, while my new apartment address is on my Bank Statement ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ND, XXXX
Product: Debt collection

I am not familiar with the debt this company is trying to collect, more importantly the debt they are attempting to collect has been " time barred '' and is well past the 4 years of time allowed to collect this debt in the State of California.

Additionally, they are in breach of the law due to the fact they did not print anywhere on the collection notice that the debt was time barred as required by law.

Letter Received : XX/XX/2021 Amount : {$7000.00} Letter states that I " Requested validation of this debt '' ..which I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by the Equifax security breach. I 've confirmed that I could information could have been of the breach through their official website : https : //www.equifaxsecurity2017.comXXXX  The complaint is about the communication on Equifax 's end. From my understanding, no attempts of sharing the breach to the people potentially affected was sent to me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( clone company ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through intermediaries named XXXX and XXXX XXXX in the total amount of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XXXX.XXXX.17 my wife made a purchase al XXXX XXXX XXXX located at XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX usd  which she paid with her Sears card. At the time of payment I was offered a card which I received days later. The problem is that the same purchase made by my wife is also being charged to me for XXXX or a same purchase are being charged twice.
Product: Money transfer, virtual currency, or money service

I am uploading a letter that need to be answered by PNC Bank
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.
Product: Debt collection

Collection/Debt is not mine. {$220.00} is the amount that CREDENCE RESOURCE MANAGEMENT is asking for. 

I called to dispute with CREDENCE RESOURCE MANAGEMENT and they could not find me by my social security number.
Product: Payday loan, title loan, or personal loan

This is in response to XXXX The documents that you provided do not show what I am requesting. 

I am requesting a detailed work scope. Our issue is that the contract we have shows materials and room dimensions that were not completed. The contract that XXXX supplied to Service Financial is different from what XXXX provided me with. We need to see what XXXX supplied to Service FinanciaXXXX in respect to detailed work. 

I am also requesting the signed agreement with service financial between the homeowner, myself and service financial. 

Also, just to confirm, Service Financial is claiming they left a voicemail on XX/XX/16 to approve the funding of the loan? I never received a voicemail and only called Service Financial once I received the first bill. I was confused as to why I was being sent bills while the contractors were still in my house. It was around this time that XXXX became very hostile and threatened multiple times to quit. 

Is there a recording of this voicemail that was left on XX/XX/16? What phone number was called? 

At the end, XXXX was unable to complete the project based on the agreement the I had signed with them. ( Ie room sizes, ceiling heights, custom mirrors, shower bench, shower nooks, toilet placement, lighting fixtures, etc ) There were to be major adjustments at the end with everything they failed to do ( as mentioned on the XX/XX/XXXX, XXXX email ). I expected a substantial refund from XXXX as the contract, building specification, and time deadlines were not followed and they knew we were going to have to hire another company to complete the project to our specifications. 

I stopped talking to them when they had the audacity to show up at my house, after dark and start demanding money. If XXXX truly believed that I owed them for the sub-par work, they could have easily put a mechanics lien on the property. They know they did not complete the job as promised. They owe me and the homeowner money.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I was reported erroneously to the credit bureaus by my mortgage company Flagstar Bank for a late or missed payment in the XXXX, XXXX and XXXX. Because this information is incorrect, I submitted a XXXX XXXX XXXX to Flagstar on XX/XX/XXXX and they have refused to work with me and remove their reporting in error. Instead, they claimed they investigated and will not make any changes. This error negatively impacted me and my family with the ability for qualifying for any loans and our financial goals. To further demonstrate their error I will attach the response letter from Flagstar, digital image of proof of payment, and bank statement for the the months of missed payment in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.