23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
Product: Debt collection

My personal information has been compromised in a 2024 data breach.
Product: Checking or savings account

Auto debits were taken out of my account even though it was no money in the account. There was XXXX debits taken out, which resulted in XXXX {$36.00} charges ( {$100.00} ). When I did not pay the overdraft fees in XXXX days I was charged another {$36.00} for a total of {$140.00} in overdraft fees. I went to the bank ( XX/XX/XXXX ) to see if I could get any help or get one removed, after waiting over a hour I was told no. I paid the fees so I wouldnt get anymore fees. I asked to close the account that day as well. On XX/XX/XXXX I was charged a {$1.00} service charge for prior period. I have never heard of this charge before, I went to the bank on XX/XX/XXXX to ask what the fee was for and the teller said it was unusual and did not have or offer an explanation. I paid that fee. The account was still not closed on that date. I have since called to get account closed and Im awaiting documentation of closed account.
Product: Debt collection

I applied for a credit XXXX account with my sister as cosigner for my dental work. I paid {$75.00} upfront and made my XXXX appointment. I had a {$5.00} copay which I paid and my dentist took XXXX. My next appointment he started a cleaning XXXX. My next appointment my dentist had left and they had me scheduled for XXXX XXXX that were n't ever discussed with a different dentist. They charged XXXX XXXX {$26000.00} for work they never did and {$500.00} for work I never had done. Now it is a XXXX bill. Please take this off my credit report.
Product: Money transfer, virtual currency, or money service

Someone posed as someone trying to buy our car and stated he needed a moving company to send his car to Hawaii. He sent us a check that seemed to clear at our bank so we sent a portion of that money to the moving company via wire transfer. After that wire of XXXX  went through this person then claimed he needed his money back and no longer wanted the car. The check at our bank was held for review and was actually not cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Credit card or prepaid card

First progress card as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

I had a pretty pay Dave account before with XXXX XXXX  an someone did the transfer as well I'm victim of identity theft sense XXXX with full name dob birth certificate I would like to know why XXXX benefits come out every year income taxes also getting ssi income an I'm not getting anything of it as well my social media an everything is being hacked as well my name Is XXXX XXXX XXXX XXXX XXXX this transaction went in XXXX with XXXX please pull full investigation as well as my email says income tax information has change I ain't done income taxes only once in my life in XXXX it had the app open foreign transactions that's how that transactions happen
Product: Student loan

I have been dealing wi th Navient for far too long. They are expecting me to pay close to {$1000.00} per month. When I call to speak  to someone, they hang up on me. This has happened several times. When I have tried to fill out the online form, I get an email stating they have received it, but there is no evidence of it on my account, and no one has reached out to me about my concerns. I feel like they are taking advantage of their customers and completely setting me up for failure.
Product: Debt collection

I have been asking for Validation of a debt that I was told I owed and in asking for validation I have not yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. 
I received a Invoice, dated XX/XX/2020, in the amount of {$240.00} for a hospital service that was handed out to a person I don't know. On XX/XX/2020 I wrote them a letter stating that the debt did not belong to me. I also requested a prompt response wich I never got. Now, I called them since they reported to the credit report agencies that have apparently tried to collect it for 3 times. I talked to one of the representatives and he said he has no way to verify if my letter was received and gave a phone number to call. 
I called the # a few times leaving a voice mail and so far I have not received a single phone call. THE LETTER disputing THE CHARGE WAS CERTIFIED MAIL AND IT WAS RECEIVED BY THEM ON XX/XX/2020 AND THAT MEANS IT DID NOT ECXEED THE 30 DAYS NOTICE.
Product: Mortgage

BSI Financial paid my taxes before they were due and now are requiring me to pay them thru escrow. My mortgage clearly states that escrow is waived. this has resulted in my payments not being applied and late charges incurring.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. 
It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Debt collection

I contracted with XXXX XXXX XXXX to install solar panel on my home Iin XX/XX/XXXXI was told by the salesman that it would take up to 90 days before my service would be in operation.HERE it is five months and i have no service. the financial service wants me to pay them and pay XXXX XXXX ; that means that I am am paying too company for the same service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : JEFFERSON CAPITAL SYSTEMS Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 

XXXX Accounts are below XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX. 

XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid in full and equipment returned. Its impacting my credit and they wont remove it because the account was fraudulently sold to a credit collector that continues to damage my credit.
Product: Credit card

i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying that i signed up then fine i have to pay it but if they cant by law they have to get rid of the file/account.
Product: Credit card

My Indigo credit card is set to Auto Pay. I checked it 3 times this month just to make sure I didn't need to worry about it while I was on vacation. I checked my bank account and noticed that the minimum payment was not pulled from my account on its due date which is today XX/XX/24. I then logged onto my account and yet again verified my account is set to autopsy. Despite being selected, my XXXX account info and minimum payment is set. This company did not take the funds out and when I did go to try and pay it, made available date post dated for tmrw. I believe this company is purposely not posting auto pays to charge fees to their customers. I tried three times to call and never got a hold of a human, despite sitting on hold for XXXX mins each time. I will be paying off this card and closing the account but I think they are doing this with intent and maliciously attempting to rack up fees against consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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 card

I had tried to make purchase in XXXX XXXX XXXX with my XXXX XXXX XXXX credit card in the beginning of XXXX but the card did not work. The card was blocked. I was not given any explanation of the reason. On my own I had put request to Creditor and got the letter from Synchrony Bank, Creditor with such explanation : " PRIOR UNSATISFACTORY OBLIGATION WITH US ''. Why!? And without any explanation. 
Then I put XXXX more request and got the letter that my account was sold to XXXX XXXX XXXX , XXXX. And finally on XXXX/XXXX/XXXX I got the Letter from XXXX XXXX XXXX from which to my surprise I discovered that my balance with XXXX XXXX XXXX was {$240.00} ( original balance {$94.00} on XXXX/XXXX/XXXX + interest and fees ). 
I never got any bill from XXXX XXXX XXXX for this original balance. I never got any bill with notice that I did n't pay in time. How could I pay balance without a bill? 
On XXXX I have paid {$120.00} ( half of my mysterious debt ) during phone talk with XXXX XXXX XXXX, XXXX agent. 
If even the original bill was lost why I never got later in XXXX any bill from XXXX XXXX XXXX. May be the reason was to accumulate fees and interest? 
I feel absolutely upset with XXXX XXXX XXXX policy because I always paid all my bills in time. I do not understand why should I pay for somebody 's mistake.
Product: Debt collection

First wrote and filed a dispute to LVNV FUNDING LLC dating back on or around XX/XX/XXXX ; again on or around XX/XX/XXXX ; and recently on or around XX/XX/XXXX via USPS certified mail ( see attachment ) in regards to incorrect items in my credit report. Its not only been over 30 days but over 120 days and I havent received any investigation results.
Product: Credit card

Dear Sir or Madam, I added a new credit card, the XXXX credit card for my recurrent payment at {$59.00} for my XXXX XXXX bill. Somehow, the old credit card, the Capital One Quicksilver Card still charged me for {$59.00} for XXXX, after talked to the customer service, Capital One credited me {$59.00} on XX/XX/XXXX and XX/XX/XXXX. I had no clue why they had credited me twice. But XXXX billed me at {$110.00} on XXXX ( $ XXXX $ XXXX {$110.00} ), I paid this {$110.00} with XXXX XXXX XXXX I think I cleared all the money I 've received from credit on XX/XX/XXXX and XX/XX/XXXX but somehow Capital one re-billed me at {$59.00} again on XX/XX/XXXX, but I already cleared this payment with XXXX. I 've called Capital One customer service, but they said this case is closed. how can Capital one re-bill me " another {$59.00} '' for XXXX? I explained to the Capital One customer service, they said because I have to pay them back the money credited to me, but the thing is I 've already paid to XXXX with XXXX card. I made the phone call to Capital One customer servie today XX/XX/XXXX, XXXX and talked to the customer service and he transferred me to the supervisor, his name is XXXX, the ID is XXXX. He wanted me to talk to XXXX or XXXX, I keep explaining to him, I Paid this bill already but Capital One still wants to bill me and I can not dispute this {$59.00}. Therefore I only can make the complaint to BCFP.
Product: Credit reporting or other personal consumer reports

Account name, XXXX XXXX XXXXXXXX XXXX Delete or remove account for inaccuracy. XXXX XXXX not listed on Equifax or XXXX credit report. XXXX reports original balance {$27000.00}. Equifax reports the original balance as not identified. XXXX doesnt list the last payment date. Equifax doesnt list the last payment date. Without a last payment date there is no way to determine an accurate fall off date. This is a violation of inaccuracy. Delete the account. XXXX reports status as closed, {$28.00}, XXXX written off. Equifax reports status as charge-off with no amount listed. This is inaccurate reporting data. Delete the account from my credit report. XXXX reports balance updated XX/XX/XXXX. Equifax reports balance updated XX/XX/XXXX. Inaccurate reporting data, delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX, a locator company, trying to find where the car is that was purchased under my name on XXXX  2019. My identity has been stolen. There were previous attempts where someone tried to open an account under my name so I freezed my credit but apparently this happened right before. I filed a police report on XX/XX/19 case # XXXX. I filed a dispute in Transunion but it came back as verified. The vehicle was purchased in MO. I live in XXXX, CA. How can this be verified? 
Transunion dispute case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # 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 also states consumer reporting agency can not furnish a account without my written instructions.