23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has been popping up on my credit report for the last 2 years. Stating that I owe them the amount of XXXX from a XXXX loan that was opened in my name from identity fraud. I have sent them multiple letters stating this is a part of identity theft, i've also sent them a police report from my then local police department with the item listed as apart of the identity theft. they continue to not Validate this debt and since i am a Florida resident they aren't boded or license to collect debt in this state. This debt is hurting my ability to purchase my home. They removed the debt and admitted fault in XX/XX/2017 and has since then been reporting agin to my XXXX XXXX and XXXX reports! This is completely illegal what they are doing!
Product: Debt collection

American Express has violated my rights based on 15 U.S. Code 1692c. This debt is not mine and I have sent them a cease and desist to stop all communication with me.

They have continued to contant me.

I will be seeking legal action unless these erroneous accounts are removed from my credit reports within XXXX hours. 

ACCOUNT : XXXX This erroneous account seems to show twice on my XXXX XXXX report and once on my XXXX. XXXX has long removed this mistake. 

Please remove these accounts from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Fraud wire transfer from our checking account to a fraud account. We did not do the wire XXXX : XXXX The wire is still pending and can be stopped and refunded by CHASE immediately. We disappointed to see a live wire fraud happening and the bank is unable to do anything
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ACCELERATED FINANCIA Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$1500.00} Terms : High Balance : {$1500.00} Limit : Past Due : {$1500.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT
Product: Debt collection

Company is reporting past due payment and amount is higher than amount owe. and also reporting incorrect if account is a charge off why are they still reporting past due payment.
Product: Credit card or prepaid card

The day Lowes finished building my porch XX/XX/2019 I knew it wouldnt pass inspection, the wrong materials were used as well as inferior ones, also six steps were built instead of seven, so I refused to sign work completed form but Lowes charged my account without my authorization the porch is still flunked by building department I fought with Lowes to get XXXX of the XXXX they charged I was told by them I would be in for a long hard fight to get anymore and they are true to their word I cant even get an estimate from anyone to repair as no one wants to repair anothers job that was flunked by inspector
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX our loan modification was finally rectified with the mortgage company after 10 months of checking with them. Only to be told we were missing a payment which was clearly on their end on how the allocated payments. They started researching this and agreed they needed to fix it ( Back in XXXX and XXXX )... Since then I have been waiting for the payment to be reapplied and corrected and now XX/XX/XXXX I have had to call continuously again to try and get them to rectify this. 

Now i was told that they have to redo the request to get it fixed and escalate it again. 

But now my credit is reflecting 30 days late and dropped from a XXXX to XXXX based on their actions. I asked them to fix this as well and was told they won't until the first issue is resolved which to me is unfair given that I have waited two months already for this issue and 10 months for the first complaint I had with them. 

I am in need to make a purchase and have worked very hard to keep a high score only to have it damaged by a mistake that isn't my own.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Relationship started in XX/XX/XXXX when I was offered a " teaser rate '' of 0 % until XX/XX/XXXX as their " teaser term ''. I transferred {$5300.00} plus a transfer fee of {$150.00}, In XX/XX/XXXX, my statement was never received but despite that I continued to pay at least {$300.00} far beyond the minimum required payment as I was intending to payoff entire amount by XX/XX/XXXX. Since then monthly statements came as well but never on time and exceptionally worst in XX/XX/XXXX. They then started to charge fees and adjusted the interest rate to 28.99 % which I was constantly calling to correct. Frankly, this account has been so poorly handled by this company. As a matter of fact, in XX/XX/XXXX, I was sent an incorrect statement with incorrect balances not intended for me. 
After all this wrangling, going back and forth and wasting my time, I decided to close my account after paying in full principal amount of {$2900.00}, plus some fee for {$82.00} To date, this company continues to charge me fees and counting. As of XX/XX/XXXX, they reported {$250.00}. They always claimed non-receipt of timely payments. With all this pandemic and inefficient mailing system, it is certainly not my fault!! I am also attaching several letters I sent to them
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 Acct # XXXX XXXX  Acct # # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX 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

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 C-2 15 USC 6802 XXXX XXXXXXXX XXXX XXXX Statement : Personal Statement A seperate transaction occurred between a third party i did not give any XXXX permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. 

I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Mortgage

I am the personal representative for my fathers estate. Seterus is telling me it will take 8 days to verify that I am the responsible party before they will give me the payoff information. It will take up to 8 days after that for them to process the payoff. I need the payoff by XXXX XXXX for the real estate to close. I have been trying to get the payoff since XXXX/XXXX/2015
Product: Debt collection

I am writing to dispute the sudden appearance of a fraudulent account on my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of an unauthorized account that is negatively impacting my XXXX XXXX. 
Below are the details of the fraudulent account : XXXX XXXX PLEASE DELETE!!!! 
I have attached copies of relevant documents supporting my claim, including but not limited to a copy of my identification, proof of residence, and any other documentation that XXXX assist in your investigation. I did not open or authorize this account, and it has been listed in error on my credit report. I am formally requesting an immediate and thorough investigation into the matter and the removal of this fraudulent account from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to conduct a reasonable investigation into the accuracy of the information on my credit report. Remove the fraudulent account from my credit report. I also request that you provide me with a corrected copy of my credit report once the investigation is complete.
Product: Payday loan, title loan, personal loan, or advance loan

I was fired in XX/XX/year> with XXXX XXXX district due to car troubles as a XXXX. Additionally, I was hired by the XXXX XXXX XXXX, KS to work as a XXXX XXXX ; however, it did not materialize because my XXXX broke down. I made an agreement with XXXX XXXX of paying {$150.00} based upon receiving payroll from this job for the summer. I made her fully aware that this was only a summer job and that this was contingent based upon me working summer employment. 

XX/XX/year> I called XXXX XXXX with Loanmax and I requested an extension for more time to begin payment for the loan in XX/XX/year> because I start a new teaching job. I informed XXXX XXXX that the job did not materialize because the XXXX broke down and I didn't have transportation to travel to the summer job that I expected to work. XXXX XXXX, XXXX told me she can not make any changes to the new long agreement. She suggested that I voluntarily surrender the XXXX and I asked her..Why would I do that when I will have money to pay my loan off when I start my new job in XXXX. I don't agree with her asking me to surrender my vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is still reporting information as correct ; they keep updating the new dates. 
I have tried to dispute this account and still no resolution. 

XXXX XXXX XXXX Equifax is the only company reporting this account incorrectly. XXXX and XXXX.
Product: Credit card or prepaid card

American Express has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. ( Exhibit A ) American Express has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. ( Exhibit A ) American Express has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) American Express has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit A )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,XX/XX/XXXXMIDLAND FUNDING LLC add a derogatory marks on my credit report perXX/XX/XXXX,XX/XX/XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

XXXX emailed Nissan Motor Acceptance Corporation ( NMAC ) and XXXX  referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXXonsumer Financial Planning Board complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of Nissan from its credit report XXXX willingly continues to participate in Nissans fraudulent scheme. One of many of XXXX corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both XXXX and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : NISSAN-INFINITI lease # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact Nissan did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. XXXX  respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that Nissan # XXXX is totally removed from my personal credit report. 

XXXX   has been repeatedly advised to request of Nissan Motor Acceptance Corporation its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX XXXX notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED 4/18/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*AA/AS I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to XXXX there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC XXXX XXXX Credit Report # XXXX is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Macys American Express decreased my credit limit from {$3500.00} to {$1800.00}, and never informed me about it. 
I was contacting this creditor and they said that I did not use the credit card so long, and that is why they decreased the credit limit. 
Then after that my credit score dropped 6 points.

I just was so sad about it and finally closed this credit card.

Amount decreased at the beginning of XX/XX/2021 I was contacting them in few days after Account closed approximately XXXX XXXX. 
I always pay my bill earlier. 
Now I have a mess at my credit history! 
Please help me to get it fixed. 
Thank you!
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, XXXX alerted me to a hard inquiry on my credit report from Capital One Bank USA. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.
Product: Credit reporting or other personal consumer reports

I lost my purse while traveling, and although it was found hours later by airline staff, my personal information had already been compromised. Weeks later, I started noticing unusual activity on my credit report, which suggest that my information was used without my authorization. I did not give anyone permission to access or use my credit, and I am requesting a full investigation into any fraudulent accounts increase or changes made please provide an any relevant documentation regarding these activities and take the necessary steps to prevent further misuse of my identity. I listed a few account below Bankruptcy and XXXX XXXX
Product: Checking or savings account

I am writing to formally express my concern regarding several unauthorized transactions processed through my bank account. Over a month ago, I noticed these fraudulent transactions and promptly reported them to the bank, following all required procedures. Despite my timely notification and the clear evidence of fraud, the bank has refused to take the necessary steps to resolve the issue and credit my account for the disputed amounts from XX/XX/XXXX. 

The lack of action from the bank has left me in a difficult financial situation, as these transactions were substantial and have affected my account balance significantly. I have provided all the necessary documentation and evidence to support my claim, yet there has been no satisfactory resolution or communication from the bank regarding the status of my case. 

Given the circumstances, I am requesting immediate intervention to rectify this situation. I urge the bank to review my case thoroughly, credit my account for the fraudulent transactions, and ensure that such issues are handled more efficiently in the future. 

Thank you for your prompt attention to this matter.