23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.
Product: Consumer Loan

I have been attempting to make a payment to my account online. The payment did not go through because the creditor did not process it. I pay the debt in full every month. They stated that the issue was my problem regardless of the fact that I have submitted the payment and it did n't process due to their website error. My credit is effected.
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.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # XXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Incomplete and inaccurate information on my consumer reports from several entities.
Product: Payday loan, title loan, or personal loan

They ran an add on XXXX about loans to help people start to improve their credit. In fact it seems they are out to extort me.they said that give me a {$500.00} loan with a low interest rate, payments of {$42.00} q month. In the coarse of doing that They coerce me into money lion plus club as part of a way to get help. Now they have tacked on a {$79.00} payment This I can't afford I told this, and drop this so call {$79.00} service They then told the only way I could was to pay off loan in full. I can't do that This could end up leading me into BK.I 'm XXXX years old. to old to recover from this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I am submitting this complaint without any influence from any third party or agency. Please see the attached documents and photo identification as it contains my full complaint, and requests regarding the following account :
Product: Vehicle loan or lease

Nissan XXXX  are in breach of contract. I was told that i could pay the load the way i am paying it. I have made this type of payment from the start which, regardless of what was discussed at the dealership, nissan XXXX  agreed to this method by accepting the payments and never complaining until recently, here are the payments made as far back as Im able to go with my back. Nissan has removed the payments on their web page. Odd that i dont see one payment for XXXX in this list and you would think that in a 3 year span, had the amount i had been paying not been agreed upon, they might have had objections before now.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of XXXX  stated that they did not provide information to XXXX and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44.

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records.

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts.

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX  is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 CHAPTER XXXX DISCHARGED XXXX $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/EQUIFAX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts of trying to update my personal information on my credit report. XXXX continuously keeps reporting an inaccurate address on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Since XX/XX/XXXX, I have been trying to re-finance my home in order to shorten my mortgage at a lower rate and remove PMI from the monthly mortgage payment. I contacted 5 mortgage companies, including my current lender. 

Upon running my credit report, multiple lenders told me of a " Repossession '' and a " Repossession/redeemed '' remark on my credit report that i was unaware of. 

The source of the " repossession '' remark is XXXX XXXX. I am a co-signer on an auto loan with my daughter through XXXX XXXX. In XX/XX/XXXX, my daughter lost her job and ran in arrears on payments for the auto loan, which she had been making prior to that point. She did not tell me until XX/XX/XXXX that she lost her job and had been 1-2 months delinquent for several months. Once i became aware of the delinquency, I immediately contacted the lender, XXXX XXXX, and worked with them to bring the account current. 

As mentioned above, the auto was never repossessed. I have no record of any notice from XXXX  threatening repossession, or any other notice with the word " repossess '' in it. Except for an engine repair, the auto has never left my possession or my daughter 's possession at any time. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX ( XXXX ) to request that XXXX XXXX provide me with a correction of the errant repossession remark on all 3 credit reports. He gave me a Reference Number for my request. XXXX told me that they had 45 days to correct the bad information. I accepted that at face value, believing that period was calendar days. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX. XXXX said that 45 days were " business days '' and not calendar days. XXXX said he would " expedite the request '' and that I would receiving something shortly. Again, I accepted that at face value. 

On XX/XX/XXXX, I called XXXX again and spoke with " XXXX '' at XXXX. I referenced the prior conversations with XXXX and XXXX, who once again promised escalation of the matter with a written result to be sent to me. Still, I accepted that at face value too. 

On XX/XX/XXXX, I spoke with XXXX and summarized my conversations with XXXX, XXXX and XXXX. XXXX said she would send me an email that would contain information I requested. 

On XX/XX/XXXX, I received an email from XXXX. The only contents of the email were contained in a grid showing the number of times payment was recorded as " 30 Days Late '', " 60 Days Late '' and so forth. There were payments recorded more than 60 days late. 

Throughout the period of time above, and immediately prior to the referenced calls, I have used my XXXX XXXX  account to monitor the content of the 2 credit bureaus listed. Each time, and even today my credit report continues to show a remark indicating repossession on the XXXX XXXX loan. Again, the vehicle was never repossessed, and to the best of my knowledge there was never a notice received that threatened repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 6 months, I havent had access to my equifax report. I tried to log in on their site, and it said that it was an NH error code. I called them, they told me their system was down. I called again, and we found out that my account was locked. We worked to unlock it, then I attempt to log in and it says that they were temporarily unable to perform that. I also tried to access it from annual credit report, and its blocked from there too. Its also blocked on my credit monitoring account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX  on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

The company is committing fraud through debt collection act, by reporting inaccurate information. I have no contract with this company. I sent a letter to the company to cease and desist in XXXX, and the information still shows negativity on my credit report as showing late payments. The amount reported on my credit report is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : $ {$34000.00} ; XXXX XXXX Balance Owed : $ {$34000.00}.
Product: Checking or savings account

I opened a checking and savings account with US bank in 2018. When I opened this account I opted OUT of their overdraft coverage. Months later my account over drafted and I contacted the bank to say again that I had opted out of their overdraft coverage and that if there was no money in the account nothing even for {$2.00} should clear this account. 

US Bank repeatedly ignored my requests and overdrew the account again after I'd cleared up their first round of fees. This time the account fees snowballed until they charged off the account and sent a collection amount to the tune of XXXX to Consumer reporting agency XXXX  and even labeled it as a abuse! I rarely ever used this account. There's no way I could have abused it. 

Consumers have the right to opt out of debit coverage that causes their accounts to be overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to reach a " LIVE PERSON '' at Experian is the WORSE!!! I have questions about Experian Boost. This is a new service they are offering to help boost a persons score using utilities as part of the consumers report. I call the non toll free and toll free numbers with everything automated. I need a LIVE PERSON to speak with.
Product: Debt collection

I received a " Derogatory Mark '' on XX/XX/2020, on me credit report from " MIDWEST RECOVERY SYSTEMS '' for {$98.00}. It says the original creditor from credit karma is " XXXX XXXX XXXX XXXX '' I have paid all of the bills that I know of from XXXX XXXXXXXX XXXX. I never received anything in the mail and got no notifications related to this, so I don't what it is for. The company info is below, MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CBNA, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Checking or savings account

i am trying to use the ATM in XXXX, but TDBank is impossing a rate-limit of $ XXXX for foreing ATM usage. 

The problem is that they are lying and not saying the truth. they said that my card was faulty and replaced it, then that the machine has limits, etc etc. 

The first days of the month, i can get up to {$1000.00}, then the bank refuses ALL withdrafts, i tried in LOT of different ATM machines from different banks/networks and all displays the error " invalid transaction ''. 

When the month changes, it works again until {$1000.00}, then again " invalid transaction '' in all machines. 

so its clear that there is a montly rate limit imposed by tdbank that they dont want to tell me. they only say that there is a daily {$1200.00} limit and that they are not limiting me.
Product: Checking or savings account

Wells Fargo employees at the branch located at XXXX XXXX XXXX in XXXX were extremely rude. They did not apply a {$400.00} account opening bonus. Person who opened account also rude and made derogatory remarks against XXXX people calling me a XXXX. Teller  took 45 minutes to dispense foreign currency purchase in an effort to harass me. Branch did not call when foreign currency arrived in violation of bank policy. Branch did not answer telephone calls and employees were verbally abusive at the branch when I tried to call. Branch employees are disrespectful and condescending toward XXXX  customers treating them differently from XXXX XXXX  who they spoke XXXX with and immediately helped. 


Telephone Customer service was also extremely rude and unhelpful making me call at least 8 times to get transferred to Executive Office to check status of complaint against branch. I had to call XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to reach Executive Office they were extremely rude using extended hold times, and giving inaccurate information. Executive Office did not assign my case to a case manager for over a week. Executive Office case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my consumer 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 an account without my written instructions. I never gave them written instructions to furnish information onto my consumer report.
Product: Money transfer, virtual currency, or money service

I accepted a job posting that was sent to my school email. The employer sent me two checks via email one in the amount of {$1400.00} and another in the amount of {$1200.00}. I deposited the checks and they cleared in my bank account. The employer had me buy {$400.00} worth of XXXX XXXX cards and send them to him. Once I was getting sketched out, I told him that I was quitting but could send him back the money that he had sent me since it was still clear and available in my account. I XXXX paid him {$1500.00} in three separate transactions of {$500.00} each and then XXXX paid him a payment of {$500.00} all on XX/XX/2021. Today, XX/XX/2021, the checks that he had me deposit before that had cleared in my account were showing up as void so now I am losing {$2000.00} of my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to CAPITAL ONE BANK USA NA to get the inquire removed but, they haven't resolved the matter.
Product: Student loan

The intake department at XXXX online was so helpful until they got my money, after fraudulent claims and withholding information regarding my tuition. They also wo n't release my transcripts because they applied the next semesters charges to my account and said I have an outstanding balance for the XXXX semester. Very deceitful.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$2000.00} XXXXXX/XX/XXXX Balance Owed : {$6100.00} XXXXXX/XX/XXXX Balance Owed : {$6200.00} XX/XX/XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Mortgage

We have a mortage for our home through Newrez LLC XXXX # XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX. 

Our loan number is XXXX. 

We have been paying PMI since we got the mortgage but on XX/XX/2022, we submitted an application to have the PMI removed. 

Newrez sent a appraiser XX/XX/XXXX to review the property. From then on, I followed up with the appraiser to see if he sent the appraisal over to newrez which he confirmed. 

From then on, whenever I call to NewRez, they keep saying that the application never came through, or that I have to wait a week to call back and keep repeating the same information over and over again. Based on what our comps are we know that we have enough equity to not have to pay PMI but we are having a hard time getting hold of newrez. 

To me, it looks like a deliberate attempt to avoid having PMI charges removed from our loan. I would appreciate if CFPB can follow up on this.