23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have a loan with one main financial XXXX XXXX XXXX. XXXX oh XXXX my monthly payment is XXXX due on the XXXX of each month. they tried to take my XX/XX/XXXX payment out early and put me in insuffient funds. my credit union XXXX XXXX charged me XXXX XXXX XXXX. when I called branch manager at one main XXXX XXXX she apologized and told me she would return my XXXX. I went ahead and made a payment on line for XXXX $ on XX/XX/XXXX and then they went into my account again and took out XXXX.they double dipped.i have had problems before and they assured me everything was fine.XXXX even told me they would not debit my account twice but they did. these people can not be trusted.i will never do business with them again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number: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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX BALANCE {$65.00}
Product: Credit reporting or other personal consumer reports

I called affirm inc to let them know I was unable to provide payment in XXXX  and few for XXXX because I was pregnant and was XXXX XXXX and then went on maternity leave but went back early due to my bills and they still reported my account late which dropped my points XXXX and Im up to date soon as I got the money and paid most accounts down to nothing instead of the minimum amount. Im trying to buy an home and call couple times and all they said was that I had to call XXXX to fix late payments which doesnt make sense because there the original creditor. And wasnt notating that I was calling before sending a letter and kept saying they understood but still reported my account as late! Just wanted them to take in consideration and also report when Im on time just as you did that I was late. Because it barely shows and I always pay off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has an access on my personal information. I have no knowledge of what and who this could be.
Product: Debt collection

Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. 

She was not interested in any explanation and said that I " simply owe the debt ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report, I noticed that there are inaccurate accounts and inaccurate information on my consumer report. The consumer reporting agencies never gave me the right to opt-out from sharing my information with such agencies, They never asked for my permission to furnish this information. They have assumed this vital role and have infringed upon my right to privacy by selling my data to a 3rd party debt collector, Pursuant to 15 USC 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. 

REMOVE ALL INQUIRIES 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 a victim of identity Theft someone is using my personal information with out my Authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Core Logic has credit file/credit report with my information on it. I never gave this company any written instruction to furnish a report on my behalf. This is a direct violation of my federally protected consumer rights. I never gave permission to furnish a consumer report with my information to anyone. They never asked for permission from me. Core Logic has personal and private nonpublic information about me and I feel completely violated. How and why do I have to prove to someone else that I am who I say I am, but any 'person ', as described in 15 USC 1681a, that gets my social security number, credit card as described 15 USC 1681a ( r ) ( 2 ), and goes to a credit reporting agency can place anything on my consumer report without the permission, this is a direct violation of 15 USC 1681b ( a ) ( 2 ). In the attached paperwork there is a section to 'opt out ' but the problem is i never opted in! This has completely XXXX me out and this has taken a toll on my XXXX XXXX. They have violated my privacy and I do not feel comfortable knowing my personal nonpublic information is just out there. Why are these companies able to get personal nonpublic information on consumers if it is a violation of their federally protected consumer rights.
Product: Debt collection

Security Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed that there are negative marks on my report such as late payments, which I really don't recognize because I have always been up to date with all my payments and in my history there have always been on time payments, all payments have been made on time, so it seems unfair to me that these marks are affecting my credit in a negative way The negative marks are these Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type. 

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XX/XX/XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXX XXXX XXXX XXXX  claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies XXXX, Experian, XXXX  are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.
Product: Credit reporting or other personal consumer reports

Affirm does not disclose in their credit reporting criteria and terms of service that they report as a Consumer Finance Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as 10 years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my credit score and profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Product: Credit reporting or other personal consumer reports

Experian makes false promises of consumer protection where they continue to fail to make good on the assumed promises they are negligent of but further the damages caused to me as a repeated and regular victim of rental identity theft. 

I have regularly paid a premium membership for protections that were never delivered on. I have placed security freezes, notifications, fraud alerts etc in an attempt to lessen my risk as an identity theft victim only to have criminals continue to rent residents in my name not XXXX time but XXXX times!! 
All while under the guise of protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There Or numerous inquiries that have been posted to my account several in the same day that I did not authorize
Product: Debt collection

This debt is not mine I wanted off my credit if its not off I will file a Cease order against you. Someone use me personal credit to get something or pay something I dnt know and they never paid it. So the company thought it was mine I never did this ... ... I demand it off my credit in XXXX  and XXXX   or face the consequences of a Cease order file against you. I want off my credit now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX05b of the FCRA you are required by law to remove & block any accounts or information which is 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Description is simple sometime during the month of XXXX of XXXX  I received a message from one of the credit reporting agencies. I had a new collection on my credit report. When I checked the credit report I noticed a company called XXXX XXXX had sent an account to collections. I contacted XXXX XXXX  company and inform them that I did not have an account with their company. I asked XXXX to send me information about this account or remove the account from the credit report I was informed that I would have to contact the collection agency who has the account I emailed both companies informing them the account does not belong to me.
Product: Debt collection

i repeat XXXX remove it on my credit report transunion and XXXX never want to remove on my credit repot i send them proof there never remove it
Product: Credit card or prepaid card

Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00}, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, XXXX XXXX
Product: Student loan

recently submitted my IDR application to renew my IDR plan. The status of the IDR application in the Documents Received folder is " Approved. '' If I look at my next payment, I see my payment is {$260.00}. However, I have NOT received any official communications from MOHELA regarding the approval of this IDR application. I did receive a letter on XX/XX/XXXX which stated " This repayment schedule replaces the repayment schedule we recently sent you. '' However there was no payment schedule on this letter. The letter stated that my payment need to be recalculated using the XXXX poverty guidelines.
Product: Debt collection

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by Portfolio Recovery Associates , LLC. While checking my credit report, it came to my notice that Portfolio Recovery Associates , LLC has furnished an account ( XXXX ) on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ( XXXX ) immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX : [ XXXX ] XXXX  ENDING IN XXXX [ XXXX XXXX : [ XXXX ] XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

i have companies that should not be on my report i have 1099 c from the companies canceling my debt
Product: Credit card

I have had credit cards with Citibank for many years and Citibank closed my three accounts without warning by email or mail. I requested an explanation from the representative who stated that she could not tell me anything and that I would need to write a letter to Citibank. I have submitted a letter to Citibank, but not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

talked to XXXX at XXXX XXXX XXXX acct XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX ; phone XXXX, only to be told i should filed a disputed claim with experian. need to correct addresses, name, and date of birth. seem XXXX  XXXX # XXXX has sold a debt to XXXX XXXX XXXX. XXXX  XXXX has placed on my experian credit report. have NO knowledge of and have Never used XXXX XXXX ; they sould be looking elsewhere. Have ask XXXX XXXX XXXXXXXX to remove the credit item from my history XXXX as of XX/XX/2021 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no XXXX XXXX involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX TX XXXX Balance {$0.00} XXXX XXXX TX XXXX Balance {$880.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance {$300.00}
Product: Mortgage

My name is XXXX XXXX, i reside on XXXX  XXXX XXXX in XXXX XXXX. 

We are having a problem with our Mortgage Servicer Selene Finance. We were behind on payments and have been making the effort to catchup on them. i have sent them several payments over the last two months and they either not post them or they take up to 20 days to apply them. Again im not disputing the fact we were late. But it is ridiculous it takes this amount of time to apply them. 

in the middle of all of this we received a Loan Mod packet that I returned to no reply. They removed my online access so i can not check on the payments. Email contact wit them takes up to a week to get any type of response. Last week we received a packet from a Debt Collector regarding this saying we have up to XX/XX/2024 to answer, as well as a letter from Selene regarding an Escrow Shortfall. Friday we received another Loan Mod packet. 

Last nite in our mail we received 3 letters from Attys saying they have us on the Court Record with starting a foreclosure. i sent tow payments out one on the XXXX of this month and the other not long after that, that are still not applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than a year that I have been dealing with this distress. OnXX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against Equifax, XXXX, and XXXX in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit onXX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set for XX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX and Equifax where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.