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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4000.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Citibank has been calling 4 times per day, 7 days per week since before XX/XX/XXXX which is the furthest date back that my phone has recorded the activity. It has actually been much longer than that but the app will only record a certain number of incidents. The number they are using to call is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy  from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX XXXX  XXXX XXXX ACCT # XXXX  XXXX XXXX XXXX ACCT XXXX XXXX, have all 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: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is WELLS FARGO DEALER Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account added to my credit report in XX/XX/XXXX for a utility bill from XXXX XXXX. I never received the final bill and never received an attempt to collect payment for the final invoice for XXXX XXXX. The amount of the invoice was {$99.00} and all my other invoices I had received a statement through email that prompted my payment of the invoice. I am being told 2 different stories. XXXX XXXX tells me they did not have a forwarding address which means they could not have mailed the final invoice to me. The collection company claims they had an address on file once it came to them but that address was provided by myself when I called to clear the account. There has been a lot of back and forth. The customer support at XXXX has been good but Online Collections XXXX is rude and unprofessional. 

As well I was never contacted by the collection company about resolving the issue. It was not until I applied for a mortgage refinance that I learned the collection was on my account and I cleared it up quickly trying to get this removed from my report. 

Unfortunately I have been lectured by XXXX about my responsibility etc and did not appreciate being talked to like a child while trying to inquire about having the collection account removed since it was paid.
Product: Money transfer, virtual currency, or money service

Transmitted XXXX by wire transfer to be remitted XXXX. 
Transfer not completed. Requested update by several emails. No response to any of the multiple queries. Called, asked to wait for 10 business days. 
Called again. Asked to try again in 1-2 days. 
Unable to trace money. 
Account : XXXX ACH Routing number XXXX Account number XXXX Account type Checking Amount to send XXXX USD Our bank address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wise address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy reported by credit reporting agency which asked to correct Paid as agreed no lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED- XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX/DEPT OF ED-XXXX U S DEPT OF EDXXXX 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

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not opened any account with XXXX XXXX XXXX and there should not been any account for XXXX XXXX  opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft XXXX XXXX  NEED TO BE PERMANETLY DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid monthly XXXX for about 6 months with no results. ( bank statements to show payment ) credit report unchanged for collection items.
Product: Student loan

I, just like many other Americans have private loans through XXXXNavient. I XXXX college in XXXX XXXX and did n't have a full time job during XXXX. The only option they gave was forbearance which only helped balloon the amount I owed. I have paid on my loans since XXXX with the principal balance barely moving. I now owe over XXXX but borrowed no where near that amount of money for school. My original total was XXXX. I also had to get my loans extended from 10 years to XXXX because I could n't afford the payments. Navient is definitely affecting my ability to purchase a home in the near future.
Product: Credit reporting or other personal consumer reports

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts are reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

Jefferson Capital Systems LLC put a collection on my credit record for a XXXX account i had in 2018. The XXXX account was paid in full and closed as i moved to a new mobile services.
Product: Credit card

In XXXX I called Bank of America to review my account that had become past due. At that time I had a long conversation that ended with me setting up a auto payment to be withdrawn from my checking account on the XXXX of each month as well as have my payment due date changed from the XXXX to the XXXX. The payments have been with drawn from my checking account every month as well as extra payments made directly from me. I do not get a statement every month it goes to my checking account. I was checking my credit today and see that Bank of America has reported me as being late most of this year. 
After being on hold for 30+ min I requested a call back. Thirty more mins later I was called back. After going through all my information. I went through what was told to me and that I was told that with setting up a auto with draw I would no long have late fees and would not have any negative reported on my credit. I was told that my due date was not changed and that they would try to do that for me know. Then she came back on and said that she could not change my due date because the account is closed. I asked to speak with someone who could help. I was transferred to the wrong department, the banking department. Then I was transferred to a third person that I had to go over all my personal information with and the story of why I was calling. I was put on hold for a few minutes. When the person returned they said they can not help me and transferred me to a fourth person. This person asked all the same questions and stated that I was late on my payments because I was not caught up for the past late payments and that since my payments were not being paid till the XXXX I did not get paid up till XX/XX/XXXX. He then told me that there is nothing that he can help me with. I became upset and was asked to be transferred to a manager or someone who could really help. Passed on for the fifth time. At this point I had been on the phone for another 34 mins. I spoke with XXXX XXXX out of AZ XXXX XXXX XXXX. At this point I said I am sorry but I am not in the best of mood due to the run around. XXXX told me that I had put in a complaint in XXXX about this issue. I have no idea where that complaint came from but I do not recall speaking with anyone. I told her my story once more. She told me I was mistaken and that I did not have my payment change and the went through the repayment plan that I was put on. The problem was that I was told my payment date would be changed and that I would be having no negative recorded on my credit. I understand what she was saying about the payment plan but I was not told that in anyway. Why would I set up auto pay for a date past my due date unless I was told that my due date would be changed. I asked for copies of the conversation when it was all set up. I was told they do not have them all they have are their notes. I have my notes as well and it says very clearly that my due date would be changed to the XXXX. I am upset that they can tell you what ever they want on the phone and put something different in the notes and I am stuck by the notes not the information I was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XX/XX/XXXX following the XXXX hack and I was successful with XXXX but not with either XXXX or Transunion. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with XXXX and Transunion but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.
Product: Mortgage

This is my second complaint against my wife 's mortgage company, PennyMac of XXXX, CA. XXXX. 

She was the victim of arson back in XX/XX/XXXX. Her insurance company shelled out nearly {$10000.00} for the repairs. We 've received less than {$20000.00} and that was back in XXXX. We have yet to see a check in XXXX. We have done everything they 've asked and yet we ca n't get XXXX money to repair our home. Too many excuses. 

My wife was given a trial modification. She paid all 3 months as required. She was then given a permanent modification starting in XXXX and yet we were still served with foreclosure papers. We had to go to court to let them know we were in modification. Can someone please explain to PennyMac that dual tracking is against the law? Can someone please serve PennyMac with a copy of the National Mortgage Settlement Act of XXXX so they will have their very own copy? it appears no one there has ever heard of dual tracking. At least that 's what they tell my wife when she calls. This is my final complaint. My next action will be in a court room.
Product: Bank account or service

Bank of America 's " Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Bank of America guilty of charging " excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing 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, credit repair services, or other personal consumer reports

XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian credit reporting agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A credit card account was opened with XXXX XXXX XXXX on XX/XX/2022, under account number XXXX. 2. An account was opened at XXXX XXXX XXXX on XX/XX/2022, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a copy of my FICO credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, or collections, as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been a DiscoverCard holder/member for 20 years with XXXX missed payments. However, I am now aware I've been charged recurring fees for the DiscoverCard Payment Protection Program since 2008. I did not willingly agree to pay for this product, nor did I agree to it. Therefore, the DiscoverCard Payment Protection Program was activated without my consent. 

The DiscoverCard Payment Protection Program is a XXXX XXXX  marketing practice worthy of federal XXXX charges.
Product: Debt collection

I have 3 medical bills on my credit report, which should have been paid by XXXX XXXX. I have paid these myself to clear the debt. The collection agency Bull City refuses to remove the debt from my report, so I called the XXXX  ( XXXX XXXX XXXX ) the debt was owed to and they will not pull it back from Bull City. I have receipts that show that these bills have been paid.
Product: Debt collection

I received an email on my credit report that I have an alert. When I looked it up. It stated that I owed XXXX XXXX group {$740.00}. I was never notified of this from Midwest Recovery. I spoke to the manager and he stated it was taken out on XXXX XXXX with XXXX. I told him that I did not have an account with them and why was I not notified of this before it went on my credit report. He stated that he did not have my number or address, but he told me my address on the phone when we spoke. Then the date on the credit report said they recieved this on XXXX/XXXX/XXXX. He also say that it came from a third party but could not give me the numbers of the creditor or three party who is XXXX XXXX XXXX
Product: Mortgage

I had a co-worker tell me about refinancing my home with Quicken Loans ... I called the company to ask what they could do for me etc ... I gave them all the info they need reguarding my home etc ... the guy pulled my credit score which was XXXX he said, he could combine my mortgage and debt i had and save me about {$260.00} a month and that I could write off mortgage than my debt every year and save me money ... they sent out an appraiser etc. I lost {$500.00} of my money now ... since we were trying to get a loan for about {$180000.00} and house appraised for refi only, he gave me $ XXXX, he was maybe at my house XXXX min .... my Realator said, he low balled the amount, min. should 've been $ XXXX as high as $ XXXX ... Not only have I lost my {$500.00}, but I felt mislead ... So upset over the whole thing, I was just trying to consilidate. I had some equity already when I purchased the house 2 years ago this month.. 

thank u, XXXX
Product: Consumer Loan

I have a auto lease with Chrysler Capital for a XXXX which I wanted to terminate early and we agreed to a payoff of the vehicle however I have attempted XXXX ( XX/XX/XXXX and XXXX 2015 ) to return the vehicle to XXXX Chrysler Jeep and they will not take the car back nor will Chrysler send me a statement to payoff statement and bill but all they keep doing is sending me statements for the regular payment and are assessing late payment fees incorrectly XXXX/month In addition they have reported this as delinquent on my credit reports. The car is no longer insured and has been sitting in front of my house for the last XXXX months since my last communication with Chrysler Capital was that they needed to come and pick up the car as I was not going to attempt another return.