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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
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. 


Account name : XXXX XXXXXXXX XXXXXXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

paypal closed my account 180 days for no reason and i need my account back please slove this my paypal gmail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit reporting agencies are allowing XXXX XXXX XXXX to report 2 fraudulent items to my credit report that doesnt belong to me.

Item 1 : Credit Card {$1000.00} XX/XX/XXXX Item 2 : Auto Loan {$13.00} XX/XX/XXXX Ive been XXXX  during these years and many more
Product: Student loan

I have several student loans all which are consolidated thru Navient and the Department of Education. I began my schooling career in XX/XX/XXXX and completed 2 XXXX degrees in XX/XX/XXXX, then a XXXX  in XX/XX/XXXX. In XX/XX/XXXX i filed bankruptcy. After about 4 or 5 years i realize that i was not getting and keeping gainful employment and was relying solely on my XXXX check XX/XX/XXXX% of the time for my survival, i wrote the loan companies asking to be dismissed as because i was a person with a XX/XX/XXXXXXXX. The loan companies wrote me back and turned down my application without further ado. Now 12 years later i still have not had any gainful employment to speak of and the loaners are always ringing my phone. This is very disturbing for me emotionally, i spent nights crying about these debts i collected or was allowed to collect, equaling almost XXXX dollars. 
So i just read that there was a suit against these loaners because of other people with similar circumstances as me. So I am submitting a claim in hopes it will be reviewed and some sense can finally be made of this situation.
Product: Credit card or prepaid card

Resident of XXXX XXXX my unemployment funds were added to my prepaid EDD card the early hours of XX/XX/XXXX, at XXXX I called to let Bank of America know that the max withdrawal had been made in a completely different city than I was. BOA rejected the claim less than 24 hours later and have not provided and would not respond to question about camera footage that they had advised they would obtain. 
I sent proof of my location via XXXX phone tracking and an image of my govt issued photo ID ( which they requested but did not wait for before dismissing my stolen money ).
Product: Prepaid card

I received this card as a gift on XXXX. I activated this car on XX/XX/XXXX and tried to use it on XXXX XXXX and XXXX. the card says it is declined and to contact the card user despite me not using the card and entering the correct information. I contacted American Express and they said to give it XXXX hours after activation and it should work. It has been XXXX hours and it still does not work. No online location will take this card not XXXX XXXX, XXXX, XXXX, or XXXX.
Product: Mortgage

My Husband and I had a loan with XXXX XXXX for 13 years this, pass year my husband got sick and is unable to work, we had to cut back on expenses, we went to XXXX to start a short sale, the property is upside down, our loan was then given to a Select Portfolio Servicing, Inc. we filled out the packet listed the property and, submitted a offer of {$190000.00}. the SPS came back with a Counter Of {$20000.00}, we now new what the offer needed to be so we relisted the property at {$200000.00} received another offer 2months for {$190000.00}, SPS now wants {$230000.00} and will not give any documents on how or why the property increased {$30000.00} in 6 weeks, we have had over 40 showings and only ( XXXX ) offers. 
I asked SPS what can I do to show you that the {$230000.00}. price is not realistic, they said I could make a final last highest offer and gave me list of items that would show them the value of the property, I submitted all that they requested Condition of property, appraisal, 24 months of XXXX listed and sold properties in that building, colored photos the realtors Bio, all the feed back from all the showings and a summary of comparable properties, listing activity report. I email all, called the next day to see if it was all received, they told be it takes 24hrs to get in the system, I called again they said it was in the file and they would review, I wanted 10days called they said they did not receive the information, the girl looked and said the items were in the file but the file was never opened, she would take care of that and for me to call in a couple of days, when I called back they said it was in underwriting call next day, I did, now I 'm being told that they need more paper work, my hardship letter expired, this will be the third one I have sent, then they said I need to get a new offer, I said there is no new offer, the was the buyers last and highest offer and this along with the documents that SPS requested and received were to be under review. 
they said would you like to speak to a manager, a XXXX XXXX XXXX got on the phone, he had no idea and said they will not take this offer, I said you did not even review the information you ask for. and the we got disconnected. to some it up, I was never give a person that would follow through the short sale process, I ask for document from SPS to substantiate the price and the increase, they said they will mail them out, I wait and then call talk to other person, they said they ca n't give me that info. there is know way I or the realtor, can get the SPS asking price, SPS put a 15 % variants on the property for condition and is not Appling it to the reducing of price.. at the unrealistic price SPS is asking I will not get any buyers threw the unit, and it would go into foreclosure. I read on line that XXXX XXXX has turned over quite a few loans to SPS and a lot of them go into foreclosure. I have gone threw a short sale years ago, there is something not right with this companies business practices, I need help with dealing with this company, I was never even late on a payment, my Husband took ill and we ca n't keep the property. 
Thank you
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXX. acc # XXXX. date openedXX/XX/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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and 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 or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th attempt to write to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report STILL showed credit inquiries that I don't recall authorizing. Not only do I have identity theft and fraud alerts set, but I have my credit locked so that I am to be contacted PRIOR to any credit authorization or credit application. I have disputed with TransUnion multiple times, by phone, fax, and email, which included verifying my identity and sending proof from the credits they had no knowledge or records of me. 
I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm Offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX TEACHERS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ). Because of that, this account is violating 15 USC 1666b ( a ) which states no late payments should be on an open-ended consumer credit plan if they are in violation of 15 USC 1637 ( b ). REMOVE THIS ACCOUNT! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.
Product: Debt collection

I am writing this to dispute the XXXX XXXXXXXX charges on my credit report. 

I was a customer of XXXX for several years. Early in the year 2016 I received a bill of approximately {$1200.00}. I immediately called XXXX to dispute the charge. The first customer service representative informed me it was some international call made from my then XXXX XXXX XXXX XXXX phone. I immediately reminded the representative that every phone on our account was blocked from all international calls. After checking the system, he noticed and confirmed the block. He then informed me the charges will be removed, he just needed the manager to authorize it. 

XXXX weeks later, I called to confirm the charges were removed. I was told they were unable to remove the charges and did not have an explanation as to why not. I then inquired where these calls were made to since the numbers looked very strange. They could not tell me exactly where, but suggested XXXX. After informing them we would never make any calls to XXXX ; and reminding them about the international block again, I was told to give them some time to investigate. 

This went on for XXXX months, I paid the difference on the bill until I had had enough and told them to cancel our service. The service was apparently only " interrupted '' for another XXXX months but was never disconnected. I received a bill for over {$2000.00}. I called to inquire about the charges, and was told the services were not disconnected, but just " interrupted. '' After I played a recording of the last conversation where I disputed the charges and requested they discontinued services, I was told they could not stop services then. 

Since then, XXXX can not give me an explanation about the calls, about the international block, or why they did not disconnect the phones when I requested they do so. Every year since for XXXX years XXXX recalls the debt, and assigns it to a new collection company puts it back on my credit report and re-aging the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 

I am requesting a thorough investigation into these items, as they are not reported accurately. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I filed a {$200.00} dispute for an ATM transaction on checking account where I did not receive the funds from the machine. I filed a dispute with CHIME on XX/XX/XXXX. Dispute number XXXX. I was given provisional credit of {$200.00} on XX/XX/XXXX. Then on XX/XX/XXXX at XXXX they took back the provisional credit. Then on XX/XX/XXXX they took back another {$200.00} for the same dispute that I thought I had lost. I called the company XXXX separate times between XX/XX/XXXX and today XX/XX/XXXX to the dispute department. Each time they told me I won the dispute and it was a mistake. They escalated it to their investigations department. Nothing has been done and they won't let me talk to that department of the company. So if I won the dispute technically they owe me {$400.00} which every person in the dispute department told me I was owed. XXXX in the dispute department told me I won the dispute and all the other phone calls I made told me the same thing. There is no corporate office number to call. Just a po box number. They are affiliated with bankcorp bank and I called them too. They said since it was a chime debit card I had to deal with them. I need help getting my {$400.00} back. I have all the bank statements showing the mistake
Product: Debt collection

This debt is showing up on my Experian credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my Experian report. I need XXXX XXXX to remove it from my Experian report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.