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

This is my several endeavors to tell credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to these companies on XX/XX/2021 about some incorrect information on my report. To this day, nearly 60 days later, I have not received a response yet. I understand they have 30-45 days to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the law.I showed them multiples times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts tht are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus DONT HAVE WRITTEN PERMISSION from me According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation errors A person shall not furnish information relating to a consumer to ANY consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specified information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on ... ..... 

The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$7100.00}
Product: Debt collection

An XXXX from argon agency with extension XXXX called me for the first time some time in XX/XX/2016, he brought a bill to my notice for the first time he very rude and spoke in a very deriding manner as though he felt he was communicating with an irresponsible person I felt very belittled after the call but I still went ahead to set up a payment plan that I adhered to, he called me sometimes twice a month and when I let him know that I made a payment already for the month he had a disparage tone again. I went ahead to explain that I would like for us to set up a particular time of the month when he calls me and he called me again earlier than agreed I missed the call, I retuned it when I saw it as always living him a message saying when I expected the call as earlier agreed the XX/XX/XXXX of every month and I get Notification that he went ahead to reput it on my credit even when I have never missed a payment or made a late payment ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, Equifax, and XXXX XXXX. Thank you!
Product: Mortgage

Called to pay off my escrow shortage on XX/XX/2017 at XXXX am from phone number XXXX. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to XXXX employee number XXXX. When I was transferred over to XXXX he was unable to see any notes concerning the conversation prior to the transfer. XXXX was able to process my escrow shortage payment for next year and adjust my monthly payment. 

I am requesting the first agent be terminated and never again be allowed to work in the mortgage industry. No consumer should be argued with when be proactive in paying their blls.
Product: Student loan

I have had two separate but similar issues with Navient that have resulted in them capitalizing interest on my account and it I worry that these issues appear systematic and designed. 
I am on an IBR plan and have been for the last 8 years. On this plan I have to submit two documents, my taxes and a IBR application, annually to keep my payment plan. In 2016, I submitted both of these documents and was notified shortly after my the expiration of my current loan period that the IBR application I had sent in was the previous years version ( although when I sent it, it was current ). I was informed that my correction was days late and I was left with capitalization. 
This happened again today. I sent in all my annual paper months ago. When I went to make a payment today I noticed my interested had capitalized yesterday. I called and they informed me that the upload of my document was missing a page. I explained that this error was on their end as my file is complete. I informed them that I could upload the file again today. They replied they the capitalized interest will not be changed. 
Both of these document issues resulted in approx {$40000.00} of capitalized interest.
Product: Debt collection

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX, andXXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on me without a permissible purpose to do so. 15 U.S.C. 1681 The congress finds that the consumer reporting agencies ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers which means they didn't have permission not did they not have permission they don't have my consent to furnish anything on me without my written instructions pursuant to 15 U.S.C 1681B it states that a consumer reporting agency MAY furnish ( doesn't man required ) in ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER can you please have XXXX provide me the document where I gave them in written form giving them permission to furnish anything on my consumer report. I've never consented to the report in the first place. Also congress states that there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality and a respect for consumer right to PRIVACY my privacy is being violated again also because not only is XXXX a credit reporting agency they are a financial institution as well meaning they also fall under the privacy laws of the Gramm-leach Bliley act 15 U.S.C 6801-6804 XXXX is furnishing on my report non public personal information which the definition of that term is personally identifiable financial information resulting from any transaction with the consumer or any service performed so that means balances, monthly payments, missed payments, charge offs, account numbers, social security numbers etc . all falls in with financial information and needs to be deleted from my consumer report al of this makes XXXX civilly liable for willful noncompliance
Product: Credit card or prepaid card

I have been caught by a scam buyer. He bought my electronics and I shipped in from XXXX which he had to pay XXXX but never got paid. We shipped it to an address in XXXX XXXX XXXX under the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, this is the tracking number. XXXX The buyer email is XXXX and the fake pay pal email address is XXXX. They threathen us to pay XXXX in order to withdraw and i did paid to a bank in XXXX and i hope you can also contact XXXX XXXX in XXXX as well. I have found someone in different state also sold an phone to same address. I am suppose to be paid XXXX and the other person is XXXX XXXX. I have contacted police authorities but they said they need an lawyer. 
Also I been charged couple of times to a bank name in XXXX. 
Nama. XXXX XXXX XXXX Account Number. XXXX Bank Name. XXXXXXXX XXXX Bnak Status. Savings Account Zip Code. XXXX City. XXXX Phone Number. XXXX Country. XXXX from XXXX XXXX  XXXX XXXX no XXXX XXXX XXXX I have an someone who helped me investigate the address and the person for free and they need a attorney for further arrests and get my money back. I have the contact info. I hope you can help me out. I will pay you after i can get my money, and I want to get my money. WE just need someone to write an agree form XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth time asking for an investigation of a PORTFOLIO RECOVERY ASSOCIATES Collections ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX deleted the account because they could not verify or provide me with proof. XXXX, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show XXXX   and XXXX that this account was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX please remove any variations of my name they are not accurate.
Product: Checking or savings account

On XXXX May 2023 0939 am Hawaii standard time I initiated a wire transfer from my bank to another bank in accordance with fraudulent escrow instructions I received. 

At XXXX Hawaii Standard time I was notified by my escrow officer that the $ XXXX wire transaction was fraudulent I called USAA federal savings bank at XXXX Hawaii standard time to cancel the fraudulent wire transaction and at that time they told me there was nothing that could be done that Id need to call back at XXXX Hawaii standard time to speak with wiring team. 

I called XXXX XXXX bank, to report a fraudulent wire transfer and they told me there was nothing they could do that Id have to contact them during normal business hours. They would/could not cancel the transaction on the bank account provided and could not look to see if the account information was impersonating The title company. 

At XXXX Hawaii standard time ( more than two hours after initial report ) I received a confirmation email from USAA that the wire was complete. 

They had more than two hours before the wire was complete to cancel the transaction and call someone in to support. They failed to prevent this from further action.
Product: Debt collection

Medical bill that was paid by insurance company was obtained by JEFFREY LERMAN XXXX XXXX XXXX license # XXXX and he attempted to collect on a bill from XXXX XXXX that was paid by my insurance company, XXXX. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is billing fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to investigate this illegal and dishonest practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

This company Insight Management Partner agent XXXX XXXX, contacted a family member of mine by leaving a voicemail which I have a copy of, stating my first, and last name without confirming if they even knew me. Asking that I provide a statement, as well as letting them know that I am in alleged debt. 
They are in violation of FDCPA. 
The collector can identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. But he can not state that the consumer hes trying to locate owes any debt, and he generally cant communicate with such person more than once. Legally, debt collectors are not allowed to share why theyre calling ( in an attempt to collect a debt ) unless they are speaking to the actual account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Student loan

Hello, During XXXX I submitted my final payment to complete the loan rehabilitation program. I received a letter from the Department of Education that requests all credit bureaus to update any student loan account with negative information ( including default status and late payments ) to bring the account current. I submitted the letter from Dept. of Ed via fax to XXXX special handling department on XXXX XXXX, 2016 requesting for them to remove the account and/or negative information that is damaging my XXXX score. I was unaware that this request would go through the normal dispute channels and be actually handled like a dispute. XXXX has complied and removed the accounts from my credit profile ; however, XXXX confirmed on Tuesday, XXXX XXXX that their XXXX system verified that all information was correct with the account. This is n't the correct process to verify account information that is reporting inaccurately. The electronic system can not read the letter that was sent to verify inaccurate information reporting. The new loan servicer is now reporting to the bureaus and has updated their account status as well. 
I received an alert today stating that a recent delinquent account was reported to my profile. The account was from Ed Financial showing a recent delinquent account as of this month and is reporting incorrectly and should be removed. My score is suffering because of an erroneous update to the account due to the electronic dispute system that did n't verify account information accurately. 
I would like a resolution to this error immediately. I 've waited a full month since the account was placed in dispute status involuntarily. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the fraudulent account I discovered on my credit report, I am submitting this complaint. I am contesting an account that has nothing to do with any transactions I initiated or approved. I have filed a report with the Federal Trade Commission detailing the theft of my identity, and a copy of the report is provided. I am an identity theft victim, and my personal information was used to open this account without my knowledge or consent. As a result, I am requesting that you either immediately remove this fraudulent account from my credit report with your company or tell me exactly where you got this information so I can take the appropriate legal action. The fraudulent account I discovered on my credit record is listed below, and it has to be deleted as soon as possible ; XXXX XXXX XXXX Balance : {$50000.00}. Please follow the law and have the challenged account deleted as soon as feasible in accordance with the Fair Credit Reporting Act.
Product: Credit card or prepaid card

XX/XX/2021 I made two transactions in the amount XXXX and XX/XX/XXXX I made three transactions in the amount XXXX and XXXX Thru XXXX XXXX but all 5 transactions cancelled immediately so no process was taken as clarified by XXXX XXXX. But the money was taken from account any ways and never refunded rightfully to me instead I go back and forth with card.com and money file another dispute on XXXX turn in supporting documents to get them to see what is the 100 percent truth. I was told that this process would take 5 days but no one ever got back to me it was well ova 40 days when decided to tell me no error was found. I need to contact XXXX  which stated the transactions was canceled I asked for them to put that in writing no one was able to. I rreach out to the XXXX CARD.COM STATED TO THEM THAT XXXX STATED NO TRANSACTIONS WAS CANCEL THEY PROCESS NEVER CANCELED WHICH IS AN FALSE STATEMENT OF SUCH BUSINESS
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Once per month I would receive a {$30.00} non sufficient fund fee with my bank for 4 months straight. I questioned the justification for the fees at the bank since no money was being overdrafted from my bank and was only told to add money to my account. In the past week since complaining about the fees I have been charged XXXX  non sufficient fund fees to my checking account and two to my savings account overdrafting my bank accounts {$110.00} for absolutely no services being rendered to my accounts. They have now taken {$230.00} in 4 months for rejecting transactions.
Product: Debt collection

5 years ago, I purchased a XXXX XXXX with XXXX XXXX the loan was with American Credit acceptance for {$11000.00}. I've been making payments on the vehicle for about 3 and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called XXXX XXXX XXXX XXXX saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.