23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated phone calls from Asset Recovery Associates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and specifically XXXX XXXX, about false bad credit card debt. Mr. XXXX states the debt is owed to XXXX or, alternately XXXX XXXX ( he changes the listed creditor so I'm unsure exactly who ) in the amount of {$2800.00} from 2005, though he will accept settlement for {$1000.00} less. I have no outstanding credit card debt and have verified via XXXX  credit report. I advised Mr. XXXX that I have no outstanding debt, and even if I had the statute of limitations for collections has long expired. XXXX XXXX has repeatedly threatened legal action. Mr , XXXX has also repeated my Social Security Number to me, giving cause for concern that he may have unauthorized access to and inappropriate use of my PII. I currently live in XXXX ( my husband works for the US military ) and have for 4 years.
Product: Credit reporting or other personal consumer reports

These accounts below are more than 7 years old and should have been removed from credit report. 

XXXX : XXXX View Account Details Account status Closed Age of Account 6 years 8 months 20 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 6 years 9 months 5 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 2 years 1 month 2 days Late payments
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXX XXXX XXXX   XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

I have a credit account from TD Bank in my accounts which is not mine. I have been at the bank twice but they don't give me a solution. I don't know the number of the account or credit card because it is not mine but it appears on my balance sheets. It's an account from last year and I get my first account 3 month ago.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Per my credit report from Equifax, TransUnion, and Experian ; they are reporting inaccurate information. Inaccurate information is reporting on my credit profile and is causing me to be denied purchasing a home as a retired Veteran. I'm requesting that the credit bureaus validate the debt by request the completed contract that was signed with a WET signature. I have been overseas per my military obligations. I am now retired and I and requesting that the credit bureaus not electronically verify, but to request from the company 's to provide a contract showing that I requested the company 's product and a signed contract with a WET signature on the contract. I received letters from company 's that stated that I was a part of several data breaches and my information is on the dark web XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account : XXXX
Product: Debt collection

To whom it may concern, I am writing to complain about Citi bank and their lien release department. Here is my problem. In 2011, I bought a home that was in foreclosure. The property is XXXX XXXX XXXX, XXXX, Texas XXXX. Now, I would like to sell this home, and I have a buyer who has given me a fair offer. However, I can not get a clear title on the house so the sell can be completed because of a lien the previous owner had on the property. I don't have the loan number because it was my loan. I did not take a loan to buy this house. I paid that loan off and own the house free and clear and hold the deed. The title company has been calling Citibank for weeks and is only getting automated responses. I have tried to call and speak with a representative only to be told that they can't help me, can't give me the number to lien release department, that there is no manager that I can speak with, and that they do not have an office of the chairman with whom I could file a complaint. I have called the county courthouse where the house is located and the county clerk confirms that they have received nothing from Citi bank. So I am about to loose the sale of a house that I own outright because of a lien under someone else 's name, and Citi bank has been utterly negligent and unresponsive in this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX, IL XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Money transfer, virtual currency, or money service

I created my PayPal account to send and receive international payments. I turned my account from an individual account to a business account on XXXX XXXX, 2022 because I was not able to recieve my first international payment. I recieved my first international payment on XXXX XXXX, 2022. Later that day, I recieved an email from PayPal in which it was written that my account got permanently limited. The Ref. ID of that email is : XXXX. Because of that limitation, I'm not able to send or receive any payment through PayPal account. I haven't violated any of the laws as stated in their privacy policy but still they permanently limited my account. That's why, I want PayPal to lift the limitation from my account as soon as possible.
Product: Credit card or prepaid card

The full problems is below. I tried to comment on my original complaint XXXX, but was unable to. 
I spoke to XXXX at Commenity on XX/XX/XXXX and he assured me that within 2 weeks my balance of {$500.00} from another account would be transferred to my current account. As of today, XX/XX/XXXX it has not. This has gotten out of hand. It is my money and they will not transfer it to my open account. They told you they were working on the issue. How long does it take to move my money? My next step is to take legal action. 
Please try and resolve this. 
Thank you, XXXX XXXX -- -- - Original Complaint. 
I had a credit card with XXXX XXXX XXXXXXXX. I made a payment of {$500.00} on XX/XX/XXXX. What I did not know until after I made the payment to XXXX XXXX XXXXXXXX was they were selling or transferring my account to Comenity Bank. I received a statement from Comenity saying my XXXX payment was late and they charged me a {$28.00} late fee. I contacted Comenity and they told me it was because I did not make my payment in XXXX. I contact my bank and they said the money was removed from my account by XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and they told there was nothing they could do because the account was closed. My bank, XXXX, tried to contact Comenity but they would not talk to XXXX as a third party. I contacted Comenity by phone as was told that they had the closed XXXX XXXX XXXXXXXX account with a {$500.00} credit balance and they would issue me a refund check of {$500.00}. That was on XX/XX/XXXX. I have not received that refund, so I contacted Comenity again and they told me, " Also be informed that your card ending with XXXX has credit balance of {$500.00}. We are unable to issue the refund due to account is closed as duplicate account. Upon checking in to your account I can see that as your correspondence accounts ending with XXXX, XXXX and XXXX is already closed as duplicate account. However, your account I see that your card ending with XXXX with XXXX XXXX XXXX is active and current. The available credit on your account is {$24000.00}. Therefore, your account can be used for further purchase. '' I do not understand why they can't issue me a refund for the {$500.00}. I want to close this account, but I am not closing it until I received my {$500.00}. I know my account is good and open, but where is my {$500.00}. I have written them 3 times and can not get an answer as to why they can't issue me a refund. I would like any help you can give me. I have reached the end of my rope. When you call them you get a different person who has limited XXXX and i can't understand them.
Product: Credit reporting or other personal consumer reports

Requested from all three reporting agencies. XXXX and XXXX requested my identification and has proceeded to investigate TransUnion failed to verify the accuracy of the disputed information on my credit report. I specifically requested the original promissory note or supporting documentation validating the alleged debt, and they did not provide this. This failure violates their obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$3200.00}
Product: Debt collection

DRS has flagged your account as Collections. 
DRS has flagged your account as Collections on XX/XX/2021. 
Alert Details Source Company Address Phone Activity Balance Date Balance XXXX DRS XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Grid Code G ( Collections ) XX/XX/2021 {$1300.00} My identity was hacked & stolen from XX/XX/2021 until the attackers stopped around XX/XX/2021.
Product: Debt collection

I received was served a summons XX/XX/XXXX from LVNV Funding. I do not owe LVNV Funding any money nor do I have a debt with this company. I have any outstanding debt with XXXX XXXX XXXX. I enrolled in a debt consolidation program XXXX, XXXX with XXXX and have made every payment timely. This XXXX XXXX XXXX debt is part of my debt consolidation. 

I received a letter from XXXX XXXX XXXX XXXX XXXX and XXXX dated XX/XX/XXXX. I contacted the office XX/XX/XXXX to explain I do not owe LVNV Funding and I am currently enrolled in a debt consolidation program ( I will complete the program in XXXX, XXXX XXXX. 

The Law Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX I spoke to XXXX and tried to explain I am in a debt consolidation program and the debt will be settled with the original creditor. XXXX became rude and hung up in my face. I then contacted XXXX and gave them the information. This is unacceptable and I would like this matter published and handled. The lawsuit is bogus I do not owe LVNV Funding any money!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXXXXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO DISPUTE THE FOLLOWING INACCURATE ACCOUNTS ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were reinserted. 
XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I as the consumer have had my rights violated with incorrect late payments that have damaged my reputation and well being. The accounts are not accurate across all three being as one bureau ( XXXX ) reports zero late payments while ( Experian and XXXX ) report XXXX which are false. I never gave consent to report such a thing in the first place and this incorrect information is very damaging. I WANT THESE DAMAGING LATE PAYMENTS UPDATED TO POSITIVE TO BE ACCURATE AND I NEVER GAVE ANY CONSENT TO INCLUE THIS INFORMATION ON MY REPORT.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my transunion XXXX and XXXX account that i dont have no products of or and services from none of the companies listed
Product: Student loan

There are two serious issues with my student loans, which remain unresolved despite multiple calls and emails with MOHELA customer service representatives. I also wrote a letter to MOHELA due to the lack of corrective action and requested that this matter be escalated to a higher level of authority for urgent review and resolution but did not hear back.

Issue 1 : Incorrect Interest Accrual on Loans in Administrative Forbearance I have repeatedly inquired about why interest continues to accrue on my loans currently in administrative forbearance. Every representative I have spoken to has stated that interest accrues during this period ; however, according to the official document provided to me on my online account, dated XX/XX/year>, the interest rate should be XXXX during administrative forbearance. I have requested that : The interest rate on these loans be corrected to 0 % immediately. 
Any interest accrued since the loans entered administrative forbearance be removed from my balance. 

Issue 2 : Loan Excluded from Administrative Forbearance I have pointed out to the loan servicer that one of my loans was mistakenly left out of administrative forbearance. The representative acknowledged this error and assured me it would be corrected within five business days. It has now been more than 2 months, and this loan remains incorrectly in repayment status. Im requesting that : This loan be immediately placed into administrative forbearance, as it should have been from the beginning. 
The interest rate for this loan also be corrected to 0 %, in accordance with the terms of the forbearance. 
Any accrued interest since the forbearance period began be removed from the balance. 
I have tried repeatedly to resolve these issues directly with MOHELA. Given the repeated lack of resolution, I decided it was time to take other avenues of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent in letters to all 3 credit bureaus XXXX, Equifax and XXXX XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.