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

Experian, XXXX, XXXX has assumed a vital role. on XX/XX/XXXX I submitted complaint here on the CFPB portal about your Company Reporting Negative on my consumer Report. You responded on XX/XX/XXXX 6 days after stating that my report was updated which prove you never investigated it nor did you actually updated my Report to reflect all accounts Positive. I Clearly stated that I did not give you consent to report and you are in Violation of the FCRA. 

Per the FCRA As a federally protected consumer I am now Opting out of any and all authorization I the consumer may have giving you and your 3rd party affiliates written, unwritten, verbal or non verbal. Experian, XXXX, XXXX you are the Furnisher of information, you compile and sell Reports, While selling those reports you are in Violation of 15 USC 6802 as you are disclosing my Non Personal information to those Non affiliates, which puts me at risk of Identity Theft. 

Experian, XXXX, XXXX you are also reporting Transactions and Experiences ( late payments ) not only are you reporting them but you are reporting accounts that has been paid as agreed. Per 15 USC 1681a Transaction and Experiences are excluded on a consumers Credit Report. I did not give you consent remove at the reciept of the complaint. 

Per The Privacy act of 1974 I have a Right to Privacy and I Enforce these rights for the following Reporting accounts. 

Dispute1 : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} Dispute1 : XXXX XXXX XXXX XXXX Credit Card Balance {$5300.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} Collections XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX Balance {$760.00} Merchants XXXX Balance {$780.00} I did not give consent to report collections on my report Remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish account without my written instructions. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  # XXXX
Product: Student loan

Ive been trying to resolve this problem since XX/XX/2022. Loans were taking out in my name fraudulently. Nelnet has failed to investigate and remove my name from this debt. I never authorized or signed any agreeing to this debt. Nelnet never compared signatures, request IP addresses from computers, contact the school. The school can tell you where the checks went, who cashed the checks, but Nelnet never inquired that information. Theyre just saying Im responsible for the loan and I am not. This is fraud and I sent a police report as well.
Product: Money transfer, virtual currency, or money service

I have sent an amount of XXXX us dollars back home to my aunt to pay for my court issues back home. As she went to the XXXX in XXXX they called me and couldnt process the transfer due to something on behalf of remitly and at this point transfer was never marked complete. As I contacted a Remitly representative we discussed what was going on and she went in the transfer and tried to change something i think reference number as soon as she tried literally seconds as she went in to try the transfer randomly marked as complete but the money was never ever received. And Ive contacted them and they say i have to wait but my court deadline is tomorrow and I can not wait and do not have the money to pay for it if I dont get it i will be in deep trouble due to their terrible service and unkown process, i need my money today or i might have to double the money for the court or I dont even know whats gon na happen at this point. Please help XXXX as soon as possible
Product: Debt collection

They have called non stop i ask them to not call me especially when im at work i was almost fired over the calls i was in a meeting they always say i promise to not call again but they still do.
Product: Checking or savings account

Chase closed my checking and saving account and now I do not have access to my online account. ( I still have two credit card accounts and they are still open. ) Chase also does not return my fund, which is XXXX dollar.
Product: Mortgage

Im writing this letter in hope you could intervene and get Bank of America to properly review our loan for assistance options. The issue started at the beginning of XX/XX/XXXX, when our grandson was diagnosed with XXXX. My wife left her steady job and started her own business so she would have time to care for him. It hurt our finances but we made it work. 

Then in XX/XX/XXXX, my pay was reduced at work. Up until that point, I had a dependable salary, and we paid our mortgage on time. With this next blow, we did what we could to keep ourselves afloat. 

When I first contacted Bank of America, things seemed like they would be ok. But a repayment plan outside of our means to pay was not the life line we needed. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

We are starting to get back on our feet again. Im back to a normal schedule at work. My wife returned to her job. The last step is to get our mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Bank of America refuses to help.
Product: Credit reporting

Transunion is not following FCRA laws to dispute inaccurate personal information and an error on an account on my credit file.
Product: Credit reporting

I worked for XXXX, XXXX, Fl XXXX through a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX in XXXX Ga XXXX says under the collection information that I owe the XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have 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 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: Payday loan, title loan, or personal loan

Mid west recovery systems claims this loan was opened XX/XX/2017 but its actually a lot older then that. So old I forgot when I opened that pay day loan. I was never contacted in an attempt to collect the debt owed because if I was I would have paid it.
Product: Debt collection

I had a previous utility debt, with XXXX XXXX. In the amount of $ XXXX 
On this amount was paid in full directly to XXXX XXXX. The receipts have been provided. I have disputed this debt with XXXX and XXXX. Which XXXX has verified the reporting debt as accurate. Helvey and Ass has no right to collect in a debt not owed. 
If they can not provide me with proof of this debt in accordance with the FDCPA, that I owe this debt the consumer reporting agencies must remove the account immediately.
Product: Debt collection

My identity was stolen and I became aware on XX/XX/2021. My identity might have been stolen through my workplace. Employee has been terminated due to this incident and I still have a police report pending. This person XXXX XXXX requested several loans and credit cards under my name but social security, date of birth and address did not match. This person was successful with one attempt this attempt was with company Money Lion inc. unfortunately Money Lion did not even take the time to check and validate my personal information and issued a loan on the amount of {$350.00} dollars. Now that they want to collect their money they are sending letters to my correct address trying to collect debt.
Product: Debt collection

In my recent review of my credit report In XX/XX/2016 I noticed Central Financial Control is reporting the same account to all three major credit Bureaus. I have disputed this account with the collection agency and they provided me with a itemized statement of procedures performed along with the medical summary of charges. This is a violation of HIPPA LAW. I have uploaded the statement. 
According to my understanding of the Fair Credit Reporting Ac, t their duty as creditors if to accurately report any account and to correct any mistakes and to place a comment of dispute on my credit report within 30 days ; this has not been done as well. 
Central Financial Control XXXX, TX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the Consumer Finance website I went down the list to freeze my credit on all four credit bureaus. I tried to create an account on Equifax but their registration site would not accept my email address saying it was invalid. I called them and customer support was able to freeze my account after validating my identity. They then sent me to tech support to fix the email issue but they told me they could not fix it and that I will have to get a different email address. Without an account I would not be able to unfreeze my credit with them. I then asked them to unfreeze my credit and also asked them to escalate my problem to get it fixed on their website. They pretty much told me I was out of luck and would not be able to freeze my credit with them. I logged into the other three bureaus without any difficulty and easily created an account and successfully froze my credit. Equifax is not allowing me to freeze my credit with them. I told them I had a legal right to do so but they don't care. I need help with them correcting the problem with their website so I, and potentially others, can create accounts and manage their credit. I am nearing retirement and want as much protection as possible for my assets and identity.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year>
Product: Bank account or service

On XX/XX/XXXX my wife and I went into the XXXX, IL. branch of US Bank to transfer out two IRA 's to another bank, each IRA had matured on XX/XX/XXXX. At the time of the transfer the assistant manager processing the paperwork reduced the amount of each IRA by {$30.00} as a fee. We had brought all our IRA paperwork with us to the branch and asked the agent to show us where this fee was disclosed. After looking through all the IRA paperwork the assistant manager XXXX called an internal US Bank support line for help. After the call he provided us a " Consumer Pricing Information '' brochure ( printing XX/XX/2016 ) showing a transfer fee. We opened the IRA 's 5 years prior and were not given any fee information for the future, and there was no mention of any fee until we tried to access our money. We did asked to have the fees waived but were told only the manager ( XXXX ) could do that and was not available that day. We also called the US Bank 24 hour banking line the following Monday ( XX/XX/XXXX ) who referred us back to the bank branch we had already visited. I also called the branch the same day and spoke to the branch manager ( XX/XX/XXXX ) who could not help us in refunding the fee. The attached support documents only discuss early termination fees and nothing about transfers at maturity. Attached please find a copy of all IRA documents ( note : wifes IRA is identical in terms, dates, and fees, I can provide these if necessary ) This practice seems predatory in nature as we were not informed of the fees, never signed anything acknowledging the fees, and are charged this {$30.00} fee on each and every IRA account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$6700.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Product: Debt collection

ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$4100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Mortgage

I have a primary home mortgage with Rocket Mortgage. I signed up recently for their bi-weekly payment option ... .why? Because as a " Consumer '' I want to try and improve my financial position by paying my families mortgage off sooner! I assumed that Rocket mortgage bi-weekly payment program worked like every other bi-weekly payment program at EVERY other mortgage company in the world... meaning they apply my payment when they receive it which brings my AVERAGE DAILY BALANCE down and saves me the CONSUMER interest ... I also get the benefit of making one extra payment per year ... .BUT GUESS WHAT? The dishonest pieces of XXXX at ROCKET MORTGAGE dont apply the payment ... rather they hold onto it until my next monthly payment is due and then apply it ... SO RIDDLE ME THIS, HOW IS THAT IN ANY WAY BENEFICIAL TO CONSUMERS???? HOW? Could the PIECES OF XXXX at ROCKET MORTGAGE sit in front of a congressional hearing on how US CONSUMER get screwed and explain how this program in ANYWAY is beneficial to consumers??? ALl it really does is give the dishonest PIECES of XXXX at ROCKET the use of my money for an entire month. They get to make interest on that money and I DONT GET ONE SINGLE BENEFIT. Now, I am sure that these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE have a SUPER PAC and XXXX  in DC that pay our politicians to allow to XXXX consumers! BUT PLEASE, CFPB... PLEASE PROTECT Consumers against these DISHONEST PIECES OF XXXX at ROCKET MORTGAGE ... their executives do this so they can protect their balance sheet by making more interest and they in turn get fatter executive bonus... But ALAS, there is not one thing a consumer can do ... NOT ONE SINGLE THING... They will stand behind their position that " It is in the fine print of the contract '' ... They can take their fine print and shove up their dishonest collective XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed " XXXX XXXX XXXX XXXX '' on XX/XX/23, XX/XX/23, and XX/XX/23. explaining how I wanted the item erased off my report along with the late payments that are illegally reporting on my report and causing me hardship, only to not get any results. On top of the account being closed I DEMAND that it gets DELETED!

According to 15 U.S code 1861b PERMISSIBLE PURPOSE OF CONSUMER CREDIT I never gave any permision to report on my consumer credit report. so I want it DELETED because of this clear violation of my rights According to 15 us code 1666b ( Correction of Billing Error ) Transunion is illegally reporting transaction on my consumer report These are Laws Put In Place by the FCRA. I want a copy of the Reports after the updates, and I will be sending my Invoice for the {$1000.00} violation once it is removed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We had a house fire in XXXX and the construction company completed their job in the middle of XX/XX/2022. The insurance made all the payments to us and to the mortgage company, fifth third bank. Unfortunately the fifth third bank has not paid us all the money that need to be paid to the contractors. 

The home was inspected first after the roof was replaced and it took over a month for them to make a partial payment. Then two inspections were done after all the work was completed and the inspector told us that they reported as 100 % complete. But fifth third bank is still holding to the money even two months after the work is completed.

I made several efforts to call them and communicated with them about the issue, but they don't care. We had to make several of the payments out of pocket due to this issue. This is giving us a lot of stress and anXXXX  and it needs to be resolved. We requesting a penalty as well to this bank due to their negligence in remitting the money to us.
Product: Debt collection

I filed a dispute regarding the debt to XXXX, XXXX, and XXXX. I submitted the cashed money order as proof of payment and should be removed from my credit report. It was removed and then re-reported. I submitted proof of payment to IQ Data International Inc at the following address XXXX XXXX XXXX XXXX, WA XXXX and IQ Data International XXXX XXXX  XXXX XXXX, WA XXXX which is the collection company that purchased the XXXX account. It has been over 30 days and months of issuing letters and it is still being reported incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy. 
15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.
Product: Credit reporting or other personal consumer reports

The presence of public records on my credit report is unacceptable and is causing me significant distress. I implore you to remove them immediately to alleviate my XXXX
Product: Credit reporting or other personal consumer reports

The issues has been ongoing since XX/XX/XXXX and stems from my credit report not being visible on the website and indicates an invalid credit score. Ive reach out to them to rectify the issue and they have escalated the case up to their technical team. They've informed me that I will receive a response between 5-7 business days. Of course after a couple weeks past I have received zero responses. 


Fast forward to XX/XX/XXXX Ive attempted to reach out again regarding the same issue with an error code I received ( XXXX  ) and they have again mention the issue has to be escalated again to the technical department. They have provided a confirmation # XXXX As of today XX/XX/XXXX Ive yet to receive any types of response.