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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Debt collection

Company didn't provide valid proof of debt failed to follow FDCPA and FCRA rules and regulations. A new complaint will be filled out daily until the ARS complies with my request and follows the law.

A daily CFPB complaint will be created daily until ARS complies.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Unauthorized inquiry on my report from Capital one ( bank ) on XX/XX/2022 and XX/XX/2022. I called the company and tried resolving this issue but no actions were taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

I already reported this? Repeat myself?! # 1st, this sloppy credit card starts with XXXX XXXX, these petty thieves kept charging me for unordered unauthorized overpriced junk made XXXX XXXX!! I had to raise XXXX and get angry with these inept credit card employees, The card was closed so XXXX could NOT scam me!!! Now 45 days later NO competent resolve from total visa, some inept employee today, tried to undermine that fraud and unauthorized charges is not deceit??? XXXX  and unacceptable, these greedy thieves at total visa expect me to pay for fraudulent charges made by XXXX XXXX!!! I made a 1 time purchase, thats it? simple, I did not agree to be scammed, ripped off with a continuous and phony subscription of 12 more generic made overpriced XXXX XXXX? How XXXX  is that?! # FTC says to tell these blundering derelicts at total visa, to file a dispute and/or charge back, these inept employees tell me this my problem? NO it is there responsilibilty to get my money refunded that was scammed from my credit card?
Product: Debt collection

I would like to know if this is in reference to lab work. The year is XXXX and the company is PMAB? The bill was sent to collections. Since it was in collections in XXXX it must be a bill from XXXX. If this is regarding labs I just recently found out that XXXX XXXX XXXX XXXX does not send labs to XXXX  XXXX which cost me more. It still is not posted and employees don't notify you when drawing your blood. At that time I had XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, someone opened up a credit card with Apple / Goldman Sachs that was not me. I know this because for several decades I have only used two credit cards and one debit card. I even closed one of the credit cards after more than 30 years because they kept having fraud XXXX XXXX  XXXX XXXX ). My only credit card now is an XXXX XXXX XXXX. Goldman Sachs reached out to me. I filed a report with them that this was a fraudulent activity and filed a police report with the XXXX Police Department. I sent that report to the credit card company ( Goldman Sachs ) at the address they provided me. They keep on hammering my credit score with late payments even though I'm not required to make a payment. I even TRIED to make a payment but they returned the funds to me- but continue to hit my credit score ( now down more than XXXX points ) right as I'm trying to purchase a primary home. There investigation, per what they have told me, can go on 90 days or more. It has now run more than 90 days. I've spoken to all 3 credit bureaus and they have said there is nothing that can do unless Goldman Sachs expunges the record, which they haven't, and they continue to hit the credit score. I suspect if I get another one, it would be down XXXX points based on the XXXX simulator. This has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported that my account was delinquent in XXXXXXXX XXXX XXXX past 180 days .... when I was working with a loan officer for a new home mortgage she told me that the credit report she pulled showed a 90 day delinquency in XXXXXXXX XXXX XXXX. My home loan was modified and I have made every payment on my mortgage before during and after the modification even when it was in forbearance due to covid. I need this false reporting removed from my credit history so I can move on with selling my property and buying another one.
Product: Student loan

A company by the name of XXXX XXXX XXXX called me as if they were working with the Department Of Education in helping me to get my student loans forgiven. The company gets information from you and after speaking with them, I looked the company up on XXXX to find out that the company is a scam. When you call the company back, the individuals are rude and hangs up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am being accused by EXPERIAN of not sending my own complaint, which I XXXX XXXX XXXX did in reference to Identity theft, and fraudulent accounts reporting onn my credit report. Again I have attached a copy of my social security card, and driver licsense
Product: Credit card or prepaid card

I am not certain that this is a complaint. I am logging this concern in case other people are noticing the same thing. I mailed ( by XXXX ) three payments to three different creditors at the exact same time ( on a day sometime between XX/XX/23 and XXXX ). Two of the creditors received my checks and posted the payments in a timely fashion. However, it's now XX/XX/23, and Commerce Bank ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX ) still allegedly has not received my XXXX payment. So I've been fined a {$40.00} late fee, and I have now paid it. I find it strange that this has happened, especially since mine is an account on which Commerce Bank is not likely to make the kind of profit ( from interest and/or cash advances ) that they'd hoped to.
Product: Credit card or prepaid card

I am writing to you in regards to my account with Capital one Account # XXXX Due to XXXX I had fallen on hard times and was unable to make those payments. As soon as I was able I got this account paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, Equifax and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Called customer service on XXXX to get password change a case # was given and I am still trying to log in with no help of equifax.
Product: Checking or savings account

I attempted to make a wire transfer through my online bank, Discover bank, and was asked to repeatedly verify my identity. Despite providing the necessary documentation multiple times, the bank requested that I upload my IP address and a selfie for further verification. I was uncomfortable complying with this request due to privacy concerns and the potential for identity theft, especially considering recent high-profile cases of such data being misused by hackers. 

When I decided to close my account and requested the balance to be sent to my address, the bank refused to process my request. I made several attempts to resolve this issue by contacting customer service, but each time I was met with unhelpful responses and no resolution. Additionally, my request to cancel the wire transfer was ignored, leaving me in a state of uncertainty and distress. 

The bank 's handling of my requests has been highly unprofessional and has caused me significant financial inconvenience and XXXX XXXX. Their refusal to close my account and disburse my funds is unacceptable and has deprived me of the ability to earn interest on my money elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received an unwelcome notice from XXXX of a XXXX point decline on my credit report. This change occurred because an entity named " XXXXAvan '' imposed a " hard inquiry '' on my credit. I am not seeking credit, I have no relationship with the financial entity and did not authorize any inquiry. I requested that XXXX remove the inquiry but was told they need a deletion letter from the company that made the inquiry. 

I wrote to XXXX requesting a deletion letter and they said they could not provide one because while they are the " lender '' they partner with other financial entities and only their partner has access to my customer and account information. So I wrote to Avant LLC, even though I am not their customer, but did not get satisfaction. 

I find this whole experience very unsatisfying. What right do they have to impose this on me without my authorization. When I ask each entity to correct the problem they all point the figure at someone else. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received MasterCard from Bank of America I did not request
Product: Credit card

Upon divorce, I changed account information to a private, non-shared account. That was done in XXXX. They have since been sending account information to the wrong email address for 4 years. 
Today, and only today, they have acknowledged on a recorded line that they violated my personal privacy rights by sending it to an incorrect email address.
Product: Debt collection

On XX/XX/XXXX, I received the first phone call from ACI, regarding the negative balance {$2800.00} on my XXXX account. 

The first time I was informed by XXXX about this {$2800.00} negative balance was on XX/XX/XXXX, and I messaged XXXX right away. However, PayPals response is terrible slow. And until today, there is no supporting information from XXXX to explain the occurrence of the {$2800.00} negative balance. I can not find any related transactions on my XXXX activity summary as well. 

So when ACI agency call me onXX/XX/XXXX and tried to collect debt, I asked the representative to provide the same thing : supporting documents that explain why the {$2800.00} negative balance occurred on my XXXX account.Then I  can know what is going on and do next thing. 

The representative contacted me three times afterXX/XX/XXXX, and I always asked for the same thing. But until today, I only received a ACI payment letter on XX/XX/XXXX, and a XXXX statement letter that provided by ACI onXX/XX/XXXX. 

So right now, all the information that I have is I have 4 of {$700.00}, a total {$2800.00} negative balance on my account, dont know why, but ACI and XXXX expect me to pay without giving any explanations. 

Additionally, the attitude of the representative that I spoke with is extremely bad. He never listen, inpatient, and always interrupt me. I think this is another reason why I havent got the information that I needed. 
I demand that correspond with me solely in email and that ACI provide proofs that I personally perform {$2800.00} related transaction activity and owe money. If I dont reply email in 48 hours, then your company can call me.

I will sue ACI if you guys attempt to falsely claim to the credit reporting agencies or other organizations/companies that I have an unpaid debt. 

At last, things I mentioned above, including XXXX message/emails, ACI call history/sent document, and XXXX account activity, are all in attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

am filing a formal complaint against Experian regarding the inaccurate reporting of a charged-off account. The account in question, XXXX Account # XXXX, was charged off in XX/XX/year>. Despite this, Experian has repeatedly updated the account as " charged off '' every month since then. This continual update is misleading and inaccurately reflects the payment history of the account. 

A charged-off account should not have an active payment history after it has been charged off. By improperly updating the payment history, Experian is manipulating the statute of limitations, which is misleading and harmful to my credit report. Additionally, I believe Experian has failed to properly investigate this account, which has resulted in the continued reporting of incorrect information. 

This inaccurate reporting has violated my rights, and I am demanding that Experian delete the XXXX account # XXXX from my credit report immediately.
Product: Credit card or prepaid card

Previous complaint filed XX/XX/XXXX and closed due to company response. Wells Fargo sent me a transaction report to verify that funds for a balance transfer were sent to XXXX XXXX back in XX/XX/XXXX. This report was sent to XXXX XXXX as they are stating they have no record of the payment from Wells Fargo. XXXX XXXX now states that the report is not the electronic funds transfer report that they need and it does not state that the transaction was received by XXXX XXXX. XXXX XXXX XXXX, their payment team can not find a payment of the amount of the balance transfer, {$5600.00}, on or around the date it was supposedly sent. XXXX XXXX states that since the report from Wells Fargo shows no proof of receipt by XXXX XXXX, it is possible that the transaction did not go through. Wells Fargo will not provide proof that the payment was received by XXXX XXXX. I am still left paying the same balance on both cards. Neither company is providing further options.
Product: Debt collection

I have been paying down this debt ( 2 accounts were combined- a total of over XXXX, when I called to make a payment they told me I had a new collections amount over XXXX dollars. But I received NO COLLECTION LETTER FOR THat amount from anyone. I called my insurance company who then informed me that the other two accounts in collections with CMRE were paid in full by my insurance company- XXXX XXXX XXXX XXXX XXXX XXXX. I have both XXXX  from those charges and they show NO BALANCE OWED BY ME. So I have been paying a debt that has already been paid in full. I sent those documents to CMRE and have called twice and no one will return my call and I have received no repayment of the hundreds I have already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I chose to use the forbearance action to stop paying the mortgage on my home for 90 days. Based on the CARE ACT I asked my loan servicer XXXX XXXX for the forbearance it was accepted. Shortly there after my credit score dropped 40 points. I am sure congress did not intend this out come, significant damage to my credit score following the CARE ACT of 2020.
Product: Student loan

When re-entering post-COVID federal student loan repayment, MOHELA miscalculated my monthly payment under the SAVE plan. While my correct payment is {$67.00}, my first bill was calculated at {$140.00}. Since XX/XX/2023, my account has shown a past due amount of {$74.00} after I was instructed by a representative via phone to pay only the {$67.00} that was correctly due. All of my bills after XX/XX/2023 have been for {$67.00}. Since XX/XX/2023 I have called MOHELA customer service 7 times and have spoken to at least XXXX representatives. I have sent multiple messages through my account portal. No one has been able to clear the incorrect balance due of {$74.00} from my account. I am repeatedly told that the only way to clear the balance is to recertify my income and submit another application for an Income-Driven Repayment Plan. I am not willing to do this as I did not make this mistake. I need this past due amount to be cleared as I am fearful it will yield negative repercussions on my credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM BANK OF AMERICA WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.
Product: Credit card or prepaid card

I inherited land from my diseased husband There was a lien on the land from Barclays Bank for {$2700.00} The Title company help back {$6500.00} from the sale to cover the the XXXX Each time I spoke to Barclays bank I got conflicting information. 
I was told that I could send {$2700.00} and the lien would be lifted. 
I sent a check and it was cashed ( It is stamped with Barclays Bank stamp on the back of the check ). 
I have a probate attorney that they would not talk to The XXXX is still not lifted and I have lost over {$9000.00} I have documentation for all of this and documentation of what and when I have faxed information to Barclay Bank.