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

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. 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. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately 6. 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. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Experian regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Experian received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Experian provided me with the reinvestigation dispute results on XX/XX/2018 stating " information on this item has been updated. '' ( See attached copy of Experian dispute results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Experian 's reinvestigation dispute results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Experian has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if Experian does not immediately remove this account from my  credit report, Experian will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.
Product: Payday loan, title loan, or personal loan

I have been paying a very high interest loan that has used my vehicle as collateral. I have doubled up on the payments. However. I have been charged double interest on those payments instead of getting the 2nd payment applied to all principal. I called the store where I originally received the loan and they said they could not do it. They gave me customer care number and they only thing I can do is leave a number and I have called twice. This is a ridiculous about of interest and when I make a double payment the interest is higher then when I make only one payment. It is like their system is recognising the 2nd payment as a late payment for the payment already made. 
I have attached the XX/XX/XXXX statement but it only shows the payment on the first. I also made one on XX/XX/XXXX which I fear will be NOT be applied to principle only. I have also doubled up on payments in XX/XX/XXXX and XX/XX/XXXX and previous years. I want all the double payments applied to principle retroactively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX tried to dispute negative information being reported to credit bureau XXXX, XXXX and XXXX regarding an account that was opened with XXXX XXXX Bank, Capital One Bank and XXXX XXXX XXXX 's Credit Card that does not belong to me. I want this account removed from all credit bureaus.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off multiple times. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXXXXXX **** XXXX {$1300.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX  and XXXX XXXX Veteran which by law I am no longer responsible for any student loans.
Product: Credit card

In XXXX I requested my AMEX Platinum card be cancelled, since I was leaving the military and did not want to pay the annual fee after separation. I discovered last year that AMEX did not close my account, and had begun charging it the annual fee. I called customer service in the summer of XXXX and requested that the account be closed, and the fee waived since I believed the card was cancelled. After several hours, customer service acknowledged that the card has not been used since my initial request and said that it would be cancelled and the fees waived. XXXX XXXXXX/XX/XXXX, I checked my credit report and saw that my AMEX account was not cancelled and had instead accrued more annual fees.
Product: Credit reporting or other personal consumer reports

I am writing to report that I have fallen victim to identity theft, a situation that has deeply affected my life. My personal information has been maliciously used without my consent, leading to severe consequences. As a XXXX XXXX man, I feel that the impact of this identity theft is exacerbated by systemic XXXX  within credit bureaus and creditors. Despite the protections afforded by the Equal Credit Opportunity Act, I believe my situation has not been handled with the fairness and urgency it deserves. This identity theft is. preventing me from securing a decent higher paying job, which is essential to meet the demands of the current economy. This situation is forcing me to consider nding another home. or face homelessness due to the inflation impacting the economy. Please immediately remove and delete all fraudulent accounts from 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
Product: Checking or savings account

Wells Fargo is the most unhonorable financial institution, Ive asked for transcripts of phone calls of my calls with 4 customer service reps and one in claims dept. I had requested a stop payment on a merchant btrlink for an authorization transaction in someone elses name, on 3 separate occasions starting in XXXX, than twice in XX/XX/XXXX, when Wells Fargo allowed the transaction to go through in XXXX and on XX/XX/XXXX, I didnt notice the transaction until XX/XX/XXXX, when I was XXXX from the hospital after XXXX, I called WF to discuss the matter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I informed them that the merchant was returning the funds and it was an error on their end, each one of those CS reps said that the Overdraft fees accrued on XX/XX/XXXX, would be reversed and so did the claims dept, all these calls were recorded Im not making things up, The funds returned by the merchant posted today, which was an error and had 3 stop payments on previous, WF customer service refused to reverse the 3 overdraft fees that wouldnt accessed if the unauthorized transaction in another persons name and with a stop payment in place WF didnt let go through, when I informed the claims dept of the merchants error and the funds being returned they cancelled my claim! Wells Fargo leads you to believe our claims are baseless but they also deny requests that could prove otherwise. Im permanently XXXX on SSI and in the past XXXX weeks over {$400.00} went to Wells Fargo overdraft fees, to change banks will lead to delays in SSI funds that is my only financial source of income! Im sure just like the last complaint theyll type up an excuse in a nice letter with big words and no proof to back it up! I request the transcripts of the phone calls from XX/XX/XXXX through to XX/XX/XXXX, between myself and WF customer service
Product: Student loan

I was having financial issue a couple of years back, and Navient suggested that I file for forbearance to delay paying my loan. I was not made aware of the interest will continue to be counted toward my loan. I was put on the Income Driven Plan, and after a year or so, the monthly payment went up, and I was making monthly payments, but the amount of the loan has not decreased much at all.
Product: Debt collection

I was looking at my credit report and saw that a new collections was put onto my credit report. The following company does not have a contract with me, does not have my wet signature and they have stolen my identity.
Product: Debt collection

These loans from XXXX have been sold to another lender that are also reporting to the CB. These Student loans are also Duplicates : Accounts ending in XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE XXXX XXXX TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXXXXXX XXXX ASSETS!!!!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to XXXX XXXX against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed writtenconsent.
Product: Debt collection

I canceled my service with XXXX in XXXX. However, my ex-husband, XXXX XXXX, who is not an authorized user on my account, was contacted by XXXX and offered a better rate. He accepted this offer and had the service installed at his home. 

As per the service agreement, XXXX XXXX is not listed as an authorized user and should not have been allowed to make any changes or incur charges on my account. 

This situation has led to unauthorized charges being placed on my account which I did not authorize or consent to. These unauthorized charges were subsequently sent to collections, and placed on my credit by HILLCREST DAVIDSON & A causing a significant drop in my credit score. This situation has caused me considerable distress and financial harm.
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 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: Money transfer, virtual currency, or money service

On several occasions now I have had holds placed on my mobile deposits that have lasted on average 5 days. The account was opened using a check from this same business. It's an property investment company that is incredibly successful, the account holder has a net value of XXXX XXXX plus. I've complained everything, being told that it's the computer, they have no control over it. On another occasion I reached out on XXXX and oddly and a bit scary, my.phone rang within a minute of my tweet. The social media outreach team member was incrediy aggressive and rude, told me that he wasn't allowed to tell me but it looks like there maybe insufficient funds to cover the check. What he failed to realize is that I had gone to the check writer and told them there's a hold. They pulled up their banking app on their cell phone and I saw an amount that made my eyes pop out. But then he scrolls and shows me the line item of where ,2 days prior Bank Of America had deducted the money. So this guy I'm on the phone with is lying to me, they already deducted my {$8000.00} from his account days prior and he is slow playing me. A other time still, they just tell me that the amount was too high and they needed to hold to make sure it was real. That the institution that the check came from was not reputable and they neexed ti make sure it was above board.Now there's a missing XXXX refund. I should add a critical piece of Info. In all instances of bank of America putting holds that lasted days, even the one with a less than reputable bank on the other end, the bank that the check was written off of was no e other than Bank of America. From an account that was opened at the same branch I opened mine at just 35 years before me. If I walk into the bank, after waiting an hour to stand in a line to talk to a single teller, I can present an in house check and know it hS sufficient funds in under a minute. This is just a deceptive business practices they can use my money for days at a time. It's cost me work, credibility and a real toll on my mental health
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a report with inquiries I did not authorize, please delete
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

1. I contacted PHH immediately upon XXXX XXXX death, notifying them of the same 2. I requested a modification, completed all the documents 3. For months on following up, I was told the documents were under review and it would be another month or so. 
4. This continued until, I initiated a follow up call and was politely told that they could not discuss this with me as I was not a party to the loan 5. Frustrated at that point, with the loss of XXXX I just because XXXX  and gave up. 
6. In or around XX/XX/XXXX I took another stab at PHH and was directed to the loan solutions center. There again I uploaded all requested documents. 
7. I continued to check the status of my request at the loan solutions site and saw that none of the documents I uploaded had been reviewed. 
8. This prompted my call PHH again around XX/XX/XXXX. It was then and only then was I informed about the process for acquiring ownership interest in the property. They finally noticed me as a successor of interest on XXXX XXXX, XXXX ' I have NEVER been offered a mediation or allowed to speak to anyone as a successor of interest until XX/XX/XXXX XXXX property is scheduled for foreclosure sale on XX/XX/XXXX. 
10. This process has been totally unfair to me, as I have complied with every request from PHH. 
11. Of course after my XXXX communication via phone, very nice lady, gave me information I should have been given during my initial call in XXXX. 
.