23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I signed up with Experian Credit tracker ( phone number XXXX ) on a trial basis thru an ad. They took XXXX a month from my checking account for 9 months without my knowledge. There ad and the way it is presented is misleading and I received nothing to let me know the money was being withdrawn monthly. I noticed it when doing a general review of my account. I telephoned they cancelled the service but of course refused to refund any money. There business practice is deceitful and manipulative. They pretend to service a customer need when in reality set the customer up for recurring monthly charges for a service not used and not aware of.
Product: Credit reporting or other personal consumer reports

My student loans were serviced by Nelnet. On XX/XX/2023, the loans were paid and the balances were transferred to XXXX. Despite disputing the inaccuracies, XXXX continues to report both Nelnet and XXXX accounts as open. On my credit report, it appears that I have {$360000.00} in student loan debt. I only have {$180000.00}.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

I am demanding a response, and if i don't receive one then i am making a complaint with the CFPB, FTC, Attorney General Office and whoever else i need to contact to get this matter resolve.

I want all charge offs and all Collections removed off my credit report and these accounts are subject to litigation
Product: Credit reporting or other personal consumer reports

My credit report is showing inaccurate information I am very concerned, because this is affecting my ability to get credit. I am single dad am not able to get a new apartment because of these errors. I am being ignored and Experian is disregarding my disputes. This is a violation and I demand this be corrected by you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit card or prepaid card

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : New Mexico Zip Code : XXXX Country : USA What happened I agreed to pay {$6.00} for XXXX XXXX XXXX  and was told that I could also get XXXX XXXX XXXX free but was later charged {$6.00} for it.. I did not join their company but was later charged {$92.00} on XXXX and {$88.00} on XXXX. XXXXWhen I called the company to complain I was told I had been given 15 days to quit their membership. I never joined their membership and I never received any documents about this or receipts. The descriptions on my credit card says : XXXX XXXX XXXX, XXXX XXXX and XXXX. I was not able to find any of these companies on the internet. I contacted the company several times at the different numbers listed on my credit card statement and they all sounded like the same company. They always said they could not supply me any documents or pouf that I agreed to any fees other that the {$6.00} andXXXX for the XXXX. They refused to give me a refund of the {$92.00} or {$88.00} that I had not agreed to.. The XXXX  products were from : XXXX XXXX XXXX XXXX XXXX The address I have for the dealer is : XXXX. The address for XXXX XXXX  is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX t. One of the telephone numbers is : XXXX and one of the websites is : XXXX I hope this company is stopped before they commit fraud on other people. Please e-mail me a copy of this complaint as I was not able to print it. XXXX Thank you for any help you can give me. 
How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/2021 {$180.00} Payment Used : How I was contacted : Credit Card Online Ad or Pop-up Details about the company, business, or individual Company/Person Name : XXXX XXXX and XXXX XXXX  Address Line 1 : XXXX XXXX Address Line 2 : City : XXXX XXXX State : Florida Zip Code:XXXX Country : USA Name of Person You Dealt With : unknown
Product: Credit reporting or other personal consumer reports

I am writing to you regarding fraudulent information listed on my credit report under the account name " XXXX  '' and account number " XXXX ''. Upon reviewing my credit report, I discovered that there is an account associated with someone named XXXX XXXX, whom I have no affiliation with or knowledge of. This erroneous information is severely affecting my ability to secure housing and obtain other financial opportunities. 

I demand that you take immediate action to remove this fraudulent account from my credit report. It is imperative that you rectify this situation promptly to prevent further damage to my financial standing. I have attached relevant documentation proving my identity and highlighting the discrepancy in the information provided. 

Furthermore, I would like to emphasize the urgency of this matter as it is directly impacting my ability to pursue my financial goals, particularly in securing housing. Therefore, I am setting a deadline of 14 days from the date of this letter for the removal of the fraudulent account from my credit report. Failure to comply with this timeline will result in me taking legal action against the credit bureaus for their failure to address this issue in a timely manner. 

Please be advised that I will hold you liable for any fees incurred as a result of seeking legal counsel and pursuing legal action. I expect a swift resolution to this matter and request confirmation of the removal of the fraudulent account from my credit report within 14 days of receipt of this letter. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Product: Debt collection

Midwest Recovery Systems recently placed derogatory information on my credit report with all three credit reporting agencies without making ANY contact with me by mail, email or telephone. This is a debt that they purchased from a payday loan company that has already been written off and significantly past the statute of limitations for such debt! This company has a long history of such unscrupulous activity and has lost their accreditation with the XXXX XXXX XXXX. 
I request this derogatory information be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed letter to : XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I noticed more than several different Inquires on my credit report concerning all three Credit Bureaus, XXXX, XXXX, and Equifax. I did not authorize or have knowledge of submitting or applying for these companies. My information was stolen because of several different Data Breaches that have taken place that my information was housed at. These are the different Credit InquiresXXXX 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 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 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 or other personal consumer reports

I want the reported accounts removed from my credit report. 

- Account : XXXX XXXX / Amount : {$220.00} - Account : XXXX XXXX / Amount : {$95.00} - Account : XXXX XXXX / Amount : {$170.00} - Account : XXXX XXXX  / Amount : {$280.00} - Account : XXXX  / Amount : {$410.00} - Account : XXXX  XXXX /Amount : {$6400.00} - Account : XXXX  / Amount : XXXX - Account : XXXX XXXX  / Amount : {$10000.00} - Account : XXXX XXXX XXXX Amount : {$3200.00} - Account : XXXX XXXX XXXX Amount : {$3100.00} - Account : XXXX XXXX  XXXX XXXX Amount : {$2600.00}
Product: Checking or savings account

I was supposed to get paid by direct deposit yesterday with Capital One. And they said they're having issues, but I have a car note and must pay my XXXX  back. I've been called a XXXX because of the problem because I was expecting my money to give back to him yesterday. But I haven't received anything. Others have said the same thing : I am very frustrated ; I need gas in my car, my car note needs to be paid, and my insurance was supposed to be paid. My credit card bill with them as well is due. And I haven't heard anything back from anybody from Capital One!
Product: Credit reporting or other personal consumer reports

The 50 states wide and International listed fraud as identification scam 's imposters and business identification population imposters Frauding my dead great grandmother documents of XXXX XXXX XXXX who full identity was XXXX XXXX XXXX XXXX, her husband of XXXX XXXX also had a Sir name before immigration to the XXXX of Sir name XXXX. 

She was born on XXXX, died on XXXX The 50 states wide/and international/listed my grandmother and grandfather information as business permits frauding a property property grave and serial numbered corners record of my great grandmother. 

My great grandmother only had XXXX daughter of my grandmother of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX There fraud isn't authorized
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX acct # XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experience with the credit agency Experian Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.
Product: Credit reporting or other personal consumer reports

Incorrect address reported ; never reside or associated with the address listed
Product: Debt collection

Im contacting cfpb be because transunion is committing fraud, by putting a debt on my credit report thats not supposed to be there period and I sent in the documents to prove it and yes transunion removed it with the help of cfpb the first time. About two or three months ago they put it back it but it was XXXX I did try to dispute it, I called customer service reps refused to let me talk to higher management, but I had so much other stuff going on I just let it be. If u notice for them to put that 3 million on my credit report the had to rearrange the date to XXXX. This was done on purpose. And it also involved discrimination on the basis of XXXX of skin, and they think im illiterate. This is definitely a crime.
Product: Mortgage

I have been approved for homestead exemption on my property taxes due to my limited income so every year I would receive the taxes back until last last year XXXX and this year XXXX. When I called about this, they have no idea what is going on and want to do an investigation. I have their paperwork showing that there is money held under property tax. 
This has caused financial hardship for me trying to stay on track with my payments. 
I have also asked for the monthly statements to reflect accurate numbers and they have not been able to do so. 
They have told me that I am in escrow shortage which with the next payment I make next week that will not be true and they want me to increase my mortgage payments which is uncalled for. 
I have showed these mortgage papers to another bank who told me that the bank holding my mortgage has mistakes in the statement and is holding money they should not have.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquires from the following companies 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 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 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
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) 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 of 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

There is a hard inquiry that I did n't authorize from XXXX 2017 completed by XXXX.
Product: Mortgage

Awhile back I got a letter from select portfolio service. I looked at the payoff and was told I would have to come up with XXXX for the principal to pay off house. This didn't make any sense since I borrowed XXXX in XX/XX/XXXX and kept the payments up until XX/XX/XXXX. So I asked for a loan modification with XXXX XXXX XXXX. In XX/XX/XXXX I was given a loan modification. Then my loan servicer was dropped and I had a new servicer select portfolio select. They kept jerking me around for months and like 50 letters from SPS until I got them to take care of this and let me make a payment. So I started my payments and got print out of my loan balances. That letter stated I could pay the loan off with XXXX. So I called and said my payoff with XXXX was XXXX. So why do I owe more after 13 years of payments. They can't explain why I owe so much. I realize my year of missed payments was put on the end of the loan .I had planned on refinancing and getting rid of this SPS servicer. I can never get a straight answer or the same answer and after I call I get a letter explaining they are there for me. I had one time I called and was told not to look at the principal amount because it was wrong and needed figured out. If it wasn't for my wife and kids I would just walk away. Who says mortgage holders want the money and not the house. I feel they want the house
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, XXXX XXXX XXXX has violated my rights. 
Transunion is reporting a collection agency XXXX XXXX who has breach the statute of Limitation of 3 years. XXXX is reporting XXXX XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. 
Also, XXXX is reporting both XXXX XXXX XXXX Accounts charge off accounts and the collection agency portfolio recovery. I have requested all consumer reporting agencies to remove these accounts and they have refused. 
15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
Mississippi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years.
Product: Debt collection

Reviewed my credit report and see that there is a medical debt that appeared on my credit report from Diversified Consultant. First, I do not have knowledge that I received notification of this debt to dispute the validity of this account. Second, they have an opening date of XXXX 2015 which has lowered my credit score. I have not been in the hospital or doctor 's office for several years. I need them to change the opening date to the date of service, but first they will need to send me a letter so I can review the validity of the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Yes about 4 months ago credit karma did not close my account I reported my information stolen and my id and social security card was taken and my information got taken. Come to find out they didn't close it so whoever did this had 4 months to use my information and account. Credit karma will not close it and I can't provide the documents they want because I don't have them
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/2021-Called XXXX XXXX Credit Report Team about a duplicate inquiry on XXXX credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and Transunion all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. Transunion reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
Product: Credit card

I have been receiving harassing and threatening telephone calls from a Bank of America representatives in regards to my Bank of America Visa credit card account : XXXX. Numerous representatives have harassed and threatened me to pay a debt of {$600.00} on my account. I informed each representative that my credit card was stolen and the {$600.00} debt is due to fraudulent charges. I am still being held liable for unauthorized use and fraudulent charges that do not belong to me. Under the Federal Trade Commission The Fair Credit Billing Act ( FCRA ) and Electronic Fund Transfer Act ( EFTA ) offer protection to a consumer if your credit, ATM or debit card are lost or stolen. I am not liable for unauthorized use or charges. I just Bank of America to delete and remove the debt of {$600.00} from my credit card account.