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

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX ; XXXX XXXX M XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX use XXXX. 

XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MISSOURI, # XXXX 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 : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account is fraudulent 15 usc 1681b and 18 usc 1028a
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent certified letter Credit Acceptance # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into Credit Acceptance as well.

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.
Product: Money transfer, virtual currency, or money service

My business is buying and selling clothes online, all through Paypal. 

XX/XX/21 : I sold a hoodie for {$850.00} on the website XXXX. I have been buying and selling on XXXX for over a year and a half. XXXX is a very big company and works directly with PayPal. I have never had an issue from Paypal regarding any buying or selling on XXXX. 

XX/XX/21 : Paypal limits by business account and says they need for information to verify my business. I submit screen shots from my XXXX account of my purchases that were later sold on the same website. All buying and selling has been through XXXX and Paypal. I also submit my driver 's license and a description of my business. 

XX/XX/21 : Paypal says that after a review, they have decided to permanently limit my account. The {$850.00} in the payola account is now on hold for 180 days. 

XX/XX/21 : Around XXXX XXXX  noon, I talk to XXXX at Paypal. She is a manager and says that a human at PayPal looked at my information and permanently limited by access to my business account. I asked her to look into it and she says that they will but they can't tell me why it was limited. She says it'll take 24-48 hours to get an email. 

XX/XX/21 : I have not received any reply back from Paypal, the {$850.00} that was going to be used for rent is now stuck for 180 days, and nobody will contact me. The hoodie has been delivered to the buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXXXXXX XXXX  about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. 

If this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. 
( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

How could you guys be so careless when reporting this information about me this really hurt me and my business.

Show me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.

And please have integrity about this account.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires : XXXX XXXX on XX/XX/XXXX Equifax mortgage Services on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From Experian. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXXXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
Product: Debt collection

collection debt from A1 collections service for {$42.00} #  XXXX  and {$150.00} #  XXXX  both are result of fraud unauthorized services
Product: Credit reporting or other personal consumer reports

Please remove this inquiry, I have no knowledge of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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: Debt collection

I received a phone called at work from a XXXX at Asset recovery solutions. This person was very degrading and I spoke to me in a very condescendingly way. Then alluded to suing me for not paying my debt.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my accounts transactions.
Product: Debt collection

I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment
Product: Debt collection

They are constantly calling, harassing me, telling me I owe debt that they can not confirm as mine, nor have they sent paperwork with my signature, stating that I agreed to pay anything to them or to any other third-party establishment. I would like to see my personal signature as the person responsible for the debt and responsible for paying a third-party XXXX collector, which I did not agree to and they have yet to provide this information Or proof of signature on any of these documents
Product: Debt collection

If I recall in either late XXXX or XX/XX/2020 XXXX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with XXXX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving SSI. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on XXXX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional XXXX minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.
Product: Debt collection

i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( XXXX ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Mortgage

Our mortgage company, Roundpoint Mortgage, is a disaster. In XXXX we received notice that we had overpaid our escrow and received a refund. In late XXXX we were told that we were underpaid into escrow and our monthly payment was increased by $ XXXX per month. This was a 50 % increase without warning. After working with lender they agreed to spread repayment out over 24 months. Just this month we received yet another notice of increase ( only a few months after our agreement ) that a new analysis showed we needed another increase. The inconsistency in this has caused stress to our family and monthly mortgage budgeting. We 've been unable to speak with anyone who can speak to us and talk us through this issue with clarity. The only explanation we were given was " we should have requested an analysis sooner to ensure we were on track. '' They went on to say " we have several XXXX loans and are n't able to keep up with all that have or may have shortages. '' This has been the most difficult mortgage company i 've ever dealt with, and their communication could use much improvement.
Product: Mortgage

My brother, XXXX XXXX XXXX passed away on XX/XX/2022. I, XXXX XXXX XXXX XXXX was named as successor in interest. I filed paperwork with Rocket Mortgage on XX/XX/2022. They have repeatedly sent the Affidavit Confirming Successor in Interest. The form was also notarized. In addition to sending these several forms in, I also sent a death certificate along notarized Affidavit- Death Of Trustee showing my name as the successor of property. Rocket Mortgage simply returns the same form back to me asking for duplicates of items sent! All paperwork has been sent XXXX overnight delivery. I have receipts showing Rocket Mortgage signed for these papers. The homeowners insurance is coming up for renewal as well as year end taxes and I am very concerned about this!
Product: Consumer Loan

I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX  back on XX/XX/2020 regarding information that was was reporting incorreclty on my crdit file. The information was removed from XXXX so when it was not updated with Experian, and XXXX, I contacted them and have yet to see results. I have called and written and yet this information is still on my report.
Product: Checking or savings account

I opened an account with Bank of American via the online application process on XXXX XXXX and also deposited {$25.00} to the said account. I received an email stating my application has been approved. I also enrolled for access into the online banking application. During the last week of XXXX I could not log in into my online banking application and it said my account doesn't exist. On XX/XX/XXXX I call the bank to check why I'm not able to access the account, only to understand that my account has been closed. 

On XX/XX/XXXX I receive a letter from the bank that they have decided to close the account as they are unable to verify my identity and that I have been reported to XXXX XXXX and XXXX XXXX XXXX and will have trouble to open an account for the next 5 years. 

I call the bank on XX/XX/XXXX to understand more. I was told that being a new customer the bank does not take any additional steps to verify consumers and merely closed the account and reports to XXXX and XXXX XXXX XXXX 

This is a serious flaw in the Bank of America online application process that approves applications without proper customer identification or background check. The verification, as I understand from my experience, is done days after the account opening. 

The deficiency in application is not communicated to the customer nor are they given a chance to respond or remedy the deficiency identified. The account is merely closed and the customer is logged out of the application, unaware of why he or she is logged out. The customer gets the information on account closure by postal mail days after the account is closed. The letter states that not only does the bank close the account but also provides a negative report to XXXX and XXXX XXXX XXXX 

So to summaries - I, as a customer of BoA, followed all steps in the Bank of America website for a online banking application, only to be reported to XXXX and XXXX XXXX XXXX because the bank has not followed proper steps to verify the customer identity at the time of accounting opening. 

Please look into the application process of BoA.
Product: Credit reporting or other personal consumer reports

I am disputing the collection account reported by Absolute Resolutions Investments on my credit report, as I believe it contains inaccurate and unverifiable information. 
Creditor Name : Absolute Resolutions Investments Balance Reported : {$10000.00} Last Reported Date : XX/XX/year> Violations & Issues : XXXX. Failure to Provide Debt Validation Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request full validation of this debt. If the company can not provide proper documentation proving their legal authority to collect, the account must be removed. 
2. Inaccurate Reporting Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 The furnisher is required to report only accurate and verifiable information. If they fail to do so, this account must be deleted.

3. Potential Illegal Re-Aging of Debt If the date of last activity ( DLA ) has been improperly updated to extend the reporting period, this is a direct violation of the FCRA and must be corrected.

Requested Resolution : I formally request an immediate investigation and removal of this collection account from my credit report. If Absolute Resolutions Investments can not provide full validation within 30 days, I ask that it be permanently deleted per federal law.

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

XXXX XXXX has two accounts showing two different amounts on my credit report. I wrote to Transunion, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX and they are not showing I have any accounts with their company. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting. 
I started my dispute process with all three credit bureaus on XX/XX/XXXX, XXXX, XX/XX/XXXX. When reviewing the information the date of the last activity was on XX/XX/XXXX. My last contact date with XXXX XXXX was in XX/XX/XXXX. This would make the account more than 10 years old. 

All three credit bureaus are not reporting the same information. Therefore, the information is not accurate and up to date.
Product: Debt collection

I mailed a certified letter to Waypoint Resource Group disputing this debt on XX/XX/XXXX which they received and signed for the certified letter on XX/XX/XXXX, ( certified letter # XXXX XXXX. I requested written documents validating this debt they are trying to collect in the amount of {$270.00}. I also requested for this company to provide me with information regarding this debt because I NEVER opened this account with XXXX XXXX. As of today I still have not received a response from this company regarding the erroneous debt they are reporting in my name, however they continue to report this account that's not mine to the credit bureaus. This is defamation and a violations of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX