23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX I received a response regarding another complaint at which I submitted about this company. It stated they will stop all attempts to collect until proof of debt is provided. Proof has not been provided but the debt is still attempting to be collected. Once on XX/XX/XXXX at 2021 at XXXX and once again at XX/XX/XXXX at XXXX am. I do not owe this debt. This debt has been paid and has been reported as such to XXXX XXXX by XXXX XXXX the company whom LTD financial is claiming to represent. The debt was paid as agreed and I gave bank statements and a copy of the report submitted by XXXX to XXXX. This company continues to harass me.
Product: Credit reporting or other personal consumer reports

I just feel like my credit score should be higher. Ive paid off loans, not delinquent in any payments, some accounts were just added to my account that I have no knowledge of as of XX/XX/year>. They have given my information out. Its Experian and XXXX XXXX.
Product: Debt collection

I dispute false statements and fees regarding the amount owed on these collections. 

Portfolio Recovery Associates , LLC, reference XXXX XXXX  {$510.00}, It's illegal by law : ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless that amount is expressly authorized by the agreement creating the debt or permitted by Section 808 ( 1 ) of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) prohibits debt collectors from collecting any amount law.
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. 

Account Name 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 has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by financial counseling program ''. The Wells Fargo credit card was closed in XXXX because I put it in a debt management plan called XXXX and they are still sending Wells Fargo monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX is reporting FALSE AND INACCURATE information on my credit report. As you can see the agent said there is no late payment, yet they are reporting to both TransUnion and XXXX the account is late causing problems with my credit score. I want this deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXXregarding the issue but the item is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXXXXXX. we applied for and got a XXXX Exemption. we asked CFPB to lower our escrow payment accordingly -- from about 8000/year to about2800/yearrr, with half paid in the first half of the year XXXX XXXX XXXX XXXX and half paid in the second half XXXX XXXX XXXX. 

They offer all sorts of flimsy reasons, but they have so far refused to acknowledge the change in tax rates properly.
Product: Credit card or prepaid card

I contacted chase credit card services on XX/XX/2023 regarding an issue with misadvertised XXXXXXXX XXXX XXXX reimbursements. During that call I used a hearing assisted device due to my documented hearing loss. The agent told me several times that I could not use a recording device on the call since I sounded far away despite my assuring her that I was only using a device to assist with my hearing. Chase then refused to fix my issue. I called back to make a complaint about the blatant discrimination and was told it was being handled as the highest priority. despite several calls back though I have still not received a resolution and it's been almost a month.
Product: Credit card or prepaid card

I have contacted MY CREDIT CARD COMPANY WHICH IS * Citi Bank* Every time I make a payment to my credit card they keep lowering my credit limit. Keeping my interest rate high and my payments at the maximum minimum payment offer..also it keeps getting my credit report and credit lowered points every month..since this start 4 months ago..I have gone from a credit score of XXXX down to XXXX in matter of 4 months..when I tried contacting them they stated they well reach out to the correct department and have my original credit limits set back to what they were ... they never changed anything..meanwhile I keep loosing my credit score..this is becoming a very hard financial burden. I understand they can change your credit limits but only when the client being myself have done something wrong or missed payments ... I have not missed a payment in more than 2 years..never missed a payment period ... yet citi bank has made me loose my credit score which I have valued and kept on a streak for so long doing the right thing payment my Bill 's on time..none the less they kept taking away every opportunity of me getting better..they keep checking my credit score and hurting my finances and financial record.. 

Please tell me I can have this stopped, fixed, or at least reversed? 

Anything?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my consumer report ; to ensure all information is reporting accurately. According to the FCRA the information furnished and reporting is out dated information; please remove and delete these accounts. 
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: Checking or savings account

In XXXX WellsFargo say I owe {$270.00} dollar and that was not true
Product: Credit reporting, credit repair services, or other personal consumer reports

This is notice that XXXX, XXXX and TransUnion are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unknown XXXX
Product: Credit card or prepaid card

Upon reviewing my credit report, I noticed a Navy Federal Credit Union credit card that was not mine ; I contacted NFCU ; I did not open a membership or apply for a credit card. 
XX/XX/23 notified NFCU; confirmed that this was not mine ; NFCU closed acct; completed their Declaration of Forgery and Fraud Claim - cf # XXXX ; XX/XX/23 filed disputes with credit bureaus. 
XX/XX/23 called because I did not receive a confirmation letter ; no update XX/XX/23 contacted NFCU security, XXXX ; on hold 1 hour ; spoke with XXXX who was concerned the case was over 53 days with no movement ; escalated and provided case # XXXX XX/XX/23 called NFCU security, XXXX ; on hole XXXX & XXXX ; spoke with XXXX who confirmed no movement ; escalated again and provided email - XXXX ; XX/XX/23 I emailed XXXX the above information and requested an update ; no response as of XX/XX/23 XX/XX/23 contacted Florida Attorney General and received additional resources. 


I have applied for a position with Navy Federal Credit Union and am pending status ; I can not be hired until this alert has been removed. 

XXXXXXXX filed Federal Trade Commission Identity Theft Report I learned from the XXXX report that the address associated is XXXX XXXX XXXX XXXX SC XXXX or XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never resided at these addresses or city. 

I did not open a membership or credit card with Navy Federal Credit Union or authorize any one to on my behalf.
Product: Checking or savings account

I opened an online checking and saving wiIth SunTrus bank in XX/XX/2020, then I used their APP to deposit a bank check issued to me by XXXX XXXX  with an amount of {$3400.00} ... ..within few days the the online account showed me that the check has been cashed and money was available to my use. 

2 week later I added an external bank through Suntrust and they verified that bank through depositing 2 small amounts to it .... 

I tried to transfer part of that money to the external account so I can have access to the funds since Suntrus never sent me a debit card to use even after i called them few times to do so.but instead they closed my account and removed my access to the account with no known reason to me, when I called them to investigate they said they would mail me info on why they closed the account, but they never didi. 

I called them 3 times to have them mail me a check of the funds that are still in the account, one time they said they would send it in a week, in another call they said tow weeks, and never did. I called them multiple times after that they started saying that the bank who issued those check that I have already deposited and appeared on my account as available funds put a hold on the funds after they have been cashed!!! 
I called the Issuer bank ( XXXX ), they assured me they never put a hold on the checks, they also mailed me a copy of those checks as per my request. 
in my last call to SunTrust they said they wouldn't send me my money and the issuer bank need to recall the money, I called the issuer bank and they said they cant do it because they dont have the money and there is no hold. 

SunTrut refused to call XXXX nor to send me any statement about the issue and the funds nor they allow me to talk to any manager, when I asked about a time frame for my issue to be resolved they said they don't know, it could take months and without the XXXX XXXX recalling the money that SunTrut have already they wouldn't do anything and my money could stay there indefinitely!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report from the following companies. Please remove these. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

On XX/XX/2018 at XXXX I received an email stating that my Bank of America ( BOA ) online banking ID was looked up. At the time I was watching a movie with friends,. At XXXX I received an email that my password was changed. At XXXX XXXX my banking ID was used to sign into XXXX ( I had no idea about XXXX prior to this event ). At XXXX XXXX was added as an option for future deposits from my checking account. At XXXX XXXX , XXXX  was added as a possible recipient. At XXXX money was sent to XXXX , XXXX . At XXXX XXXX money was sent to XXXX, XXXX. At XXXX XXXX money was sent to XXXX, XXXX. Around XXXX I received, what was apparently a fraudulent call from Bank of America , ( same number as BOA - I looked it up because they called multiple times ) and they informed me that they suspected fraudulent activity on my account. I provided them with no information over the phone, they told me my email, House address, and phone number and then informed me that they needed to do one last thing to verify that I was who I say I am. They sent me three verification codes via text message, told me I should freeze my accounts and close my card and they would transfer me. The call was disconnect and I called Bank of America back and they informed me that someone had talked to me from Bank of America today but no information was documented. It wasnt until they asked me to verify who I was through text that they realized that I had been a part of a fraudulent case. Lastly, the verification code from the real BOA was in the same text as the impersonator.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of truth, Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and i hereby claim that i will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, i make solemn oath to the one and only most of creation only, whoever that may be, and i depose the following facts, so be it, now present : Fact, in 15 US code 1681n states that ( b ) Civil liability for knowing noncompliance Any person ( Corporation ) who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Fact, XXXX is aware and has proof in attachment showing that my rights have been violated. Different companies for pulling my consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to remove my inquiry off of my consumer report and has to send a XXXX dollar check to my mailing address. 


You have 30 days to respond or greater measures will be taken to get my rights apprehended.
Product: Debt collection

The company is XXXX XXXX XXXX ( maybe out of XXXX XXXX ). 
I have asked repeatedly for this company to stop contacting me.
Product: Credit reporting or other personal consumer reports

I have several inquiries on a couple of my reports that i need to dispute, i have done this with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX XXXX XXXX and XXXX XXXX XXXX and a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX  XXXX. Under 15 U.S. Code 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Company continues to harass and contact me even after I informed them that it is well over the 3 year statute of limitations on this supposed debt and to please stop contacting me.
Product: Debt collection

The company XXXX XXXX has filed a lawsuit against me, after that the original creditor GE capital has investigated this identity theft and dismissed all debt, The collection company was contacted by GE capital and informed to cease-and-desist, The bad debt was bought back from XXXX by GE capital, yet XXXX is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to XXXX attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with GE capital the original creditor and they are going to resend all their letters to XXXX. Not only am I being sued for debt that I do not own and that debt that XXXX does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with GE capital 's account numbers and XXXX account numbers on the same letterhead from XXXX XXXX I have also brought this to light and that this was dismissed By letter from GE capitol. Please any help with this would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally attempted to work with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Transunion and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX  deleted the information as their investigation determined the information could not be verified. Transunion and XXXX  has continued to report this deleted information that XXXX  found as inaccurate or fraud. I have contacted XXXX via phone, XXXX and via their own dispute process but have been unsuccessful. After talking with XXXX they also state they have no account for me. XXXX says I would need to get Transunion and XXXX  to delete the info. The credit reporting agencies say it is verified and the responsibility of XXXX to update the information if inaccurate. 

PLEASE HELP!
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my name