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

In accordance with the Fair Credit Reporting act XXXX Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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: Student loan

I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan XXXX they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alliant CU, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
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 and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  Lending # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed the inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accurate XXXX Card XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity.

Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : 1. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/2018 There has error regarding with address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX is not correct due to it has no number and not my address the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Prepaid card

On XX/XX/year> i loaded {$320.00} on to card. I tried paying my rent after i activated only to find the card on hold. I called they cancelled the card now i have to wait a month to get my card and ill probably be evicted because of this.
Product: Debt collection

JEFFERSON CAPITAL HAS XXXX  ACCOUNTS THEY ARE ATTEMPTING TO COLLECT ON AND HAVE NOT BEEN VERIFIED OR VALIDATED UNDER THE FCRA AND FDCPA. THESE ACCOUNTS ARE REPORTING ON MY CONSUMER REPORT AND MUST BE DELETED IMMEDIATELY. NONE OF THE REQUIRED INFORMATION HAS BEEN GIVEN TO ME. I WILL BE TAKING LEAGAL ACTION AND IMMEDIATELY IF THESE ACCOUNTS ARE NOT DELETED AND REMOVED FROM MY CONSUMER REPORT. I WILL BE SEEKING REMEDY FOR UP TO {$1000.00} PER VIOLATION FROM EACH ACCOUNT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off XXXX, XXXX, equifax XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off XXXX, XXXX, EQUIFAX I have two XXXX XXXX credit cards open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX
Product: Credit reporting or other personal consumer reports

I have late payments that they will not remove and according to 15 Usc 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' ( b ) it is a billing error, i did not receive a statement 21 days before the late payment. 
this is unlawful and shouldnt be reporting at any time! 
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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have received multiple calls from  XXXX   XXXX  (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  ) They call from  XXXX . He reads off my entire social security number and then tells me I ow e Credit Care  {$4000.00} from an account I had  in  XX/XX/XXXX  that was opened in  XX/XX/XXXX . I inf ormed him that it does not appear on my credit report and that I do not owe that money. He says he has mailed me several letter but I have never received any of them. I asked him to read me the address he mailed them to but he would not. Then he asks for my email so he can send me something but I did not give him that either. Then he said that it is me and that I owe the debt and since it is passed t he Time Barr ed that they will take me to court and get a judgement on my credit. I DO NOT OWE THIS DEBT. My ex wife and I filed bankruptcy many years ago to clear all this up. Then he said that under FTC law they bought the debt and that they can call me anytime to try to collect.
Product: Mortgage

My complaint is Wells Fargo mortgage. My complaint # XXXX. I 've been Wells mortgage since XXXX XXXX. When I brought this property, there 's XXXX separate lots only XXXX lot with mortgage. Mortgage on address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Other XXXX lots is has no mortgage. Although when I purchased this property it was all connected. 
On XXXX XXXX XXXX I spoke to XXXX XXXX of Wells to resolve. I told Wells is not right. What I 'm fighting about is that Wells is making me to pay all XXXX property tax lots. Before refinance, which address XXXX XXXX XXXX XXXX property tax included in mortgage. After refinance XXXX XXXX XXXX XXXX is not include property tax in mortgage. It was never brought to my attention at the time of refinance. In my first payment I discover it Wells withdraw more than I 've agreed. 
Wells said all XXXX property tax lots I 've to pay. I told them, escrow XXXX XXXX XXXX XXXX property tax should be included in mortgage. Indeed I will pay XXXX other property tax lots ( which does not have mortgage ) or I will pay XXXX property tax lots on my own but Wells is not willing to do that instead they like to bundle all together. I do believe Wells see loop hole with XXXX lots and make it confusing to understand. The reason wells got involved I owned property tax on the other XXXX lots was discovered in XXXX. 
From beginning bad communication and never return phone call. It 's was so sloppy we missed closing in XXXX XXXX. XXXX said I 'm long committed customer to them and offer me XXXX steps refinance at 3.5 % with no closing cost. XXXX XXXX in our last conversation said I am XXXX with this and I agreed to this. That 's XXXX! We do not have agreement. I need help resolve this issue. I look forward to hear from you. Thank you
Product: Debt collection

The company posted a collection to my credit report without notifying me or providing the opportunity for me to dispute the debt. They never contacted me. I disputed the collection online and requested verification of the debt, which they have failed to respond in a timely manner. 33 days after I disputed the debt, I received a verification letter stating verification was enclosed, but it was not- it only contained my name and address, my daughters name and birthdate, my insurance company falsely listing me as the primary insured, a phone number which is not mine and another debt collector + case number that is not associated with any medical practice we use. This does not validate the debt, there is no date of service or description of service provided, no documents showing authorization of charges, I am not the insured or fiduciary, and they did not provide account numbers for the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Student loan

I have been with Navient for a long time trying to repay my student loan. They made it really hard for me to bring the principal down. In several occasions I also paid an extra amount above the regular monthly payment but I did not see any evidence that I was making any progress. So, I decided to refinance with a different student loan company, XXXX. They approved my application for refinancing and sent the payoff check for {$120000.00} to Navient on XX/XX/XXXX. According to XXXX, the payoff check was cashed by Navient on XX/XX/XXXX ( unfortunately XXXX   sends the payoff checks via regular mail, so it takes a while to reach the other lender ), but my loan still remains unpaid and the interest keeps accruing on both the Navient and XXXX  loan. I contacted Navient today and I was told that they have no records that a payoff check has been received by them. This is totally non-sense since they cashed the check. How long do I need to wait to see my loan with Navient paid off? Since my loan with Navient is still outstanding, on XX/XX/XXXX I sent another monthly payment to make sure I am current with them.
Product: Debt collection

This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America told me that in XXXX of XXXX their reporting to XXXX would be removed on the XXXX of XXXX. They have not removed it. This debt has been paid in full since I think XXXX. XXXX told me that Bank of America can remove but Bank of America refuses or says they can't depending on what person I talk to. This has gotten ridiculous and needs to be fixed.
Product: Mortgage

In XXXX XX/XX/XXXX I received a phone call from XXXX XXXX, Mortgage Loan Originator for the Money Source, who currently hold my mortgage. The call was to advise me that I qualified for a reduced rate on my mortgage and that I could refinance. The rate offered was XXXX. I currently have a rate of XXXX and that the closing would take place before XXXX. I followed all the necessary steps that was required. No closing date set. This went on for almost two months. I received an email from XXXX XXXX was to advise me that I would refinance for a 26 year mortgage instead of a 27 year mortgage, which I had no problems doing. The last notification from XXXX was on XXXX XXXX, advising that the loan would be done in XXXX as they could not close before XXXX which was the planned date. I was NEVER told that the rate would expire. He advise that right after the holiday we would be able to close. As of today, XXXX XXXX, I had not heard back from XXXX I sent an email to his account. I received a phone call from a XXXX XXXX of the Money source who advise me that XXXX was now in a leave of absence and that the rate lock had expired on XXXX/XXXXXXXX That a rate extension had been submitted but it had been DENIED. 
Please note the following : I was never notified that the rate had not been extended as XXXX XXXX did not advise me of that face. Secondly, No one at the Money Source had the professional courtesy of calling, writing, emailing or even texting me of the above set forth. 
I am of the opinion that the money source has acted in bad faith. They have taken advantage of the fact that the interest rates were going to go up and dragged this refinance account through the beginning of XXXX to then advise that it was denied, when through the months of XXXX until XXXX it was available. 
XXXX XXXX also felt the need to advise me that if I were his client, he would have made sure that I knew in advance of what was happening. Furthermore, that I was not the only XXXX left in this predicament. 
I continue to have my mortgage with them and am in good standing with them but they have certainly left a very bad taste.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX  ) : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, date of last reported and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and and I noticed that I had XXXX late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

Honda Financial is openly not reporting my account # XXXX that was paid in full a few months ago reporting it accurately to the three credit bureaus it still shows open after 5 months later I also spoke with there representative XXXX XXXX on XX/XX/XXXX on a recorded voice line who stated that they Honda financial under case number XXXX supposedly deleted the trade line on XX/XX/XXXX of this account on there end but didnt update it to the XXXX credit bureaus which is against the law and I the consumer should be entitled to a fair and accurate credit report of which Honda Financial is not reporting correctly i herby request Honda Financial immediately to delete this account from the three credit bureaus and report accurately or I will further escalate this matter to a higher authority