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

XX/XX/year> web page does not allow access to customer credit file and displays another person 's closed credit information before internal revenue person. For the HTTPS domain security possesses fraud material conceived from customer signature. XXXX XXXX also will not allow customer account services due from company liability communism. Web-domain XXXX XXXX practices factory theft of account names and artificial intelligence is not able to support customer and security refuses to allow customer access to asset of IRS. Customer is an armed military islam star and HTTPS security needs to be corrected to prevent state federation elf space intervention due from insubordination and customer abuse. web page alters customer signature to produce a closed credit file used in support of bank liability communism and denying customer account. Web page migrated account errors to propper name without police report. My name is established from XXXX, and I didn't learn sound until this year but a name spelling is understood and established in education so a false report was made from signature and apon correction the false report is still being applied to propper name of open credit account is used as bait and switch to prevent customer account services. Nobody recognized name properly since birth I report bank liability communism used against customer when name is established clear in XXXX. I am denied personal loans by bank liability name spell error when I am the buissness owner registered with valid assets of internal revenue service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ JPMCB CARD 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX  XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Product: Mortgage

In 2011 we were given an offer to redo our loan so we could afford the payments. They did not XXXX or that, took back the offer and we had to go bankrupt and short sell the house.
Product: Credit reporting or other personal consumer reports

Not sure if I can list both problems, 2 accounts with the same company on the same complaint, but here it is. 
I financed furniture from XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. The furniture was not delivered until XX/XX/XXXX therefore payments started XX/XX/XXXX. XXXX  approved me for XXXX different furniture cards XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I had {$1400.00} 12 months same as cash, combined on the XXXX XXXX  card with {$4500.00}. My minimum payment, if I remember correctly started off about {$130.00} a month. I always paid more thinking the extra would be applied to the 12 months same as cash. I was never given an option or made aware of how the payments would be applied to both accounts. Knowing I was nearing the 12 month timeline, I contacted XXXX on XX/XX/XXXX ( by online chat ) to see what the balance was on the 12 months same as cash. I was thinking I had 4 months to come up with roughly {$700.00} to pay it off. I was told the balance was {$1000.00}. This is when they first dropped my credit limit. I have all the screenshots from the conversation. Next we come to XX/XX/XXXX payment. I was late, the only payment I have been late on, but life was really real at that moment. They charged me a late payment for XXXX which I paid, and XXXX for XXXX. Again I contacted XXXX by online chat to get the XXXX late fee removed and the online chat operator waived the fee, so I paid my normal amount due. After they received the payment, they put the late fee back on. I refused to pay it, this is the reason why they say my account is in the negative all the while adding interest to an amount that they, at one point took off my account, and have put this on my credit report. I also have all the screen shots from that online chat with my account summary where the late fee was waived and then reapplied to my account. Now on the XXXX XXXX  account, they say a payment was not made. I have bank statements for the entire time that no payment was missed. They keep telling me about there records. When trying to pay the XXXX payment, the online and phone system was stating the payment could not be processed. So I thought ... ..the phone payment called in on the XXXX actually went through. I was not aware and a payment was made by phone on the XXXX. Now they have added late fees and saying this account is in the negative. I have all bank statements. The XXXX payment was only {$54.00} and this bill is nowhere near being paid off. How could that be? I am expected to operate in good faith and integrity, shouldn't this fortune XXXX company be held to a higher standard in recognizing where they messed up. I have had it up to my neck with this company. I needed some dental work and discovered XXXX XXXX is funded by this joke of a company and I whole heartedly refused. I will work XXXX jobs before I deal with this company again.
Product: Credit card or prepaid card

On XXXX Synchrony Amazon Card Closed my account without any noticed. When I contacted them they informed me that it was because I had made XXXX attempts to make a payment and the payment was rejected. This was an error because I accidentally had my second bank account as the default account to make payments which I was not aware of. When I caught the issue I was able to quickly default my main bank as the account and I made a payment within a 30 day window. There was no need for them to close my account. They never contacted me or sent me a letter they just closed my account. I have never missed a payment from them or any other company in the last 9 years. I feel that the action they took is un fair and will impact my credit report as my overall utilization rate will increase and my credit history will decrease. I am very upset that there hasn't been a law to protect consumers from this kind of behavior from lending institutions. I called Amazon customer service and they informed me that they could not reactivate the account and that I would need to reapply. This would also mean that my credit would be impacted as now I would have a new inquiry and if I applied it will stay on record for XXXX   years impacting my credit score. I was given a fax number to send a letter to the bank to see if they could look into the matter however when I went to XXXX to fax the letter this morning the fax number was not valid. I have attempted to contact the bank but there is no means to connect with an agent that will talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/XXXX to correct these suspicious pieces of information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

on tuesday, XXXX rec 'd credit card and credit report from Bank of America. Did not apply for card or authorize report
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation # XXXX On XX/XX/XXXX I submitted a complaint/dispute with Equifax and in this Complaint/dispute I made them aware that I was a victim of identity theft, I provided an FTC report/affidavit and a copy of my drivers license and Social Security card for security/identification purposes . Equifax responded to me via mail stating that upon reinvestigation, information you disputed has been received the results are : please contact the creditor directly and follow their internal fraud procedures inquiries are a factual record of file access. That is a direct violation of my consumer rights under 15 USC 1681i ( 2 ) Prompt notice of dispute to furnisher of information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Items disputed. 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Student loan

I am currently on the IDR plan under PSLF. I have been tracking my payments counting down to my 120 payments. In XX/XX/XXXX when submitting my income recalculation, I also submitted bank statements from all payment made as the # of payments made are off by 4. So I requested my payments to be recalculated. As no progress had been made when I submitted for income recalculation in XX/XX/XXXX, I again submitted request for payments to be recounted as the XXXX payments listed below still are set as not qualifying. 
XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$410.00} XX/XX/XXXX for {$350.00} XX/XX/XXXX for {$680.00} These are listed as non qualifying but yet were auto withdrawn from my account. 
I have spoke with employee # s listed below asking for updates. 
XX/XX/XXXX : # XXXX XXXX which said its pending review. 
XX/XX/XXXX : # XXXX XXXX. Said still needing review XX/XX/XXXX : # XXXX XXXX. Said recalculation were approved. 
XX/XX/XXXX : # XXXX XXXX. Said submitting recalculation for dated and payments listed above. 
XX/XX/XXXX : # XXXX woman said it is still pending and there is no time frame when will be completed. 
By my calculations I will hit my 120 payment XX/XX/XXXX. I am wanting to make sure that my payment are counted before my deadline or I will be making extra payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted JPMCB Card of a hard inquiry on credit report that I did not authorize. Hard inquiries were done on the following dates : XX/XX/XXXX and XX/XX/XXXX. JPMCB Card has no personal information or no data of the inquiry. I requested a letter from JPMCB Card to change my credit report but I was told that since there was no personal information in JPMCB Card data base, they would not be able to help me. I was directed back to the reporting agency but they will no correct this fraud.
Product: Debt collection

" I am filing a complaint against LVNV Funding for reporting inaccurate information on my credit report. Despite having disputed this account multiple times with the credit bureaus and with LVNV Funding directly, the account remains on my credit report and continues to be reported as a valid debt, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). '' " Specifically, I am requesting that this account be removed from my credit report for the following reasons : Failure to verify debt ( FCRA 1681i ) : I have disputed the accuracy of this account on several occasions with both the credit bureaus and LVNV Funding, as evidenced by the dispute records. Despite this, LVNV Funding has failed to provide sufficient documentation or verification to substantiate the debts accuracy, as required by law. 

Failure to correct inaccurate information ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : According to the FCRA, once a consumer disputes an item, the furnisher of the information ( LVNV Funding in this case ) must promptly investigate and update the credit report to reflect accurate information. LVNV Funding has failed to correct inaccuracies related to this account.

Failure to notify consumer of dispute results ( FCRA 1681i ( a ) ( 6 ) ) : In accordance with the FCRA, when a dispute is filed, the credit reporting agency and/or furnisher must notify the consumer of the results of the investigation within 30 days. LVNV Funding has not provided any clear evidence that the debt has been verified, nor have they furnished adequate documentation showing that this account is valid.

Failure to remove obsolete information ( FCRA 1681c ( a ) ( 1 ) ) : Under the FCRA, negative information, including collections accounts, must be removed from a credit report after 7 years from the date of the first delinquency. If this account falls under this time frame and should be removed, it is in violation of the FCRAs regulations governing the removal of outdated information.

Failure to validate the debt ( FDCPA 1692g ) : According to the Fair Debt Collection Practices Act ( FDCPA ), when a consumer requests validation of a debt, the debt collector must provide proof of the debt and its validity. LVNV Funding has failed to provide adequate documentation or validation, despite my requests. 

" Given these violations of the FCRA and FDCPA, I request that LVNV Funding immediately remove this account from my credit report and provide proof that they have taken corrective action. Additionally, I expect a full investigation into this matter and request that I be notified of the resolution within 15 days. '' " If LVNV Funding does not remove the account or provide proper validation, I will pursue further legal action for willfully violating my consumer rights. ''
Product: Mortgage

In XX/XX/XXXX I obtained a mortgage from Citibank for my home. I decided to use Citi for my mortgage because of a promotion they offered where they said that if I kept a minimum balance in a checking account they would reduce the interest rate by 1/8 th of a point ( percent ). They never applied the promotion that they promised. In XX/XX/XXXX, they sent a letter to me acknowledging that the interest rate discount to which I was entitled was " inadvertently not applied '' to my loan and they offered a check which would retro-actively reimburse me for less than 5-years of the amount that I had incorrectly been asked to overpay. In addition to not including any interest on the money they had unfairly collected, they have refused to apply the 1/8th of a point reduction to the ongoing interest rate that they have already admitted in writing that I should be receiving. This is totally unfair and I contacted the company to explain my position 3 times over the past 3 months : once at the local branch, once by phone and once by an escalation person that called back when I said I was not satisfied. In each of these conversations, the representative said the same thing : that I was correct that I should have received the lower interest rate but that they were not going to correct their error for any of the remaining 25 years on the loan. This represents a bait and switch theft of over {$31000.00} from me by the bank 's admitted wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXXXXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX* 4. XXXX XXXX XXXXXXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Mortgage

In XX/XX/XXXX I contacted the financial institution to inquire as to why the PMI portion of my loan had not been removed. I was told that the principle had not yet been reduced to 78 % of the original amount of the purchase price. I was told that I could pay the loan down to the 78 % mark or I could simply wait until XX/XX/XXXX and it would reach that point at which time it would be removed automatically. They continue to refuse to remove it. I have spoken to them by phone now on 4 occasions since XXXX. Each individual I have spoken to has told me that it should have automatically been removed in XX/XX/XXXX.  Told me to just keep paying the amount due each month and they will get it fixed within 15 days and they will then credit me for the over payment. Now they refuse to remove it unless I pay them {$400.00} for an appraisal using an appraiser of there choice. Something about a disaster declaration in Florida in XXXX. This is complete nonsense. Property values as well sales prices have increased by roughly 35 % since I purchased the home in XXXX in the XXXX XXXX Fl. area. If I chose to sell the home it would list for approximately {$75000.00} more than I paid for it. In addition I paid {$5000.00} less than the appraised value when I bought the home so in actuality I passed the 78 % mark long ago. 

This is nothing more than a basic scam from a bank with one of the worst reputations in the country. I didn't take the loan out with them to begin with and never would have. Apparently they are a subsidiary New Penn Financial and somehow ended up with the loan.
Product: Credit card or prepaid card

On XX/XX/18 2 payments of {$25.00} and {$50.00} were taken out of my bank account from capital. I cancelled those payments KNOWING i would NOT have funds available at that time. I scheduled a payment for XX/XX/18 KNOWING funds that day would be available. Capital has made me overdraft in my checking account not once but twice since 2 payments were to be taken out. Once those payments were cancelled I assumed that they were cancelled and set up for the correct date to be taken out. So, I look at my statement for capital and they are charging me for the return of the {$25.00} and the {$50.00} then also a late fee of {$25.00} Which they did reverse that. But because my payments were returned of {$75.00} combined. That their is nothing they can do. Because they were returned payment. So the payments that were returned I got hit with them. I spoke to a man name XXXX ( XXXX employee number ) and he kept speaking over me numerous of times. He stated those payments were returned your bank set us a memo stating funds were not available as of XX/XX/18 and for me to call my bank. Which I proceeded to contact my bank and stated to them what was said from Capital. And when I spoke with my bank she stated funds were available as of XX/XX/18. And will give me print out with day and time my funds were available. So today XX/XX/18 I contact XXXX and he again proceeded to talk over me. And explained that I want to speak to his boss and he stated NO that the boss is administrative and he speaks on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of XXXX XXXX and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my XXXX to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions XXXX XXXX  affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXXXXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX