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

incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Only get emails stating a payment is due, I NEVER receive a bill via mail or email to tell me what is due. I can only know what is due by getting on my account and see the amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX in XX/XX/XXXX to remove " incorrect '' Personal information on My credit reports. I was told the false information would be removed within forty eight hours, but As of today XXXX XXXX more incorrect info has been added to my consumer report. such as Fraudulent Hard Inquires, My Name, mailing Address, Phone number, Employer Name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following listed company 's have filed a XXXX filing against my company and it is not mine. I need help trying to find out who these companies are and why they have this on my report. I do not have a delinquent communications bill, I do not have a Solar delinquency nor do I have a Loan fund thats delinquent.
Product: Mortgage

I have a mortgage with Carrington Mortgage. They took over this mortgage loan on XXXX XXXX 2016. My monthly mortgage payment includes and escrow portion for taxes and insurance. Carrington Mortgage failed to make the insurance payment causing my policy to be cancelled for non payment. The recent XXXX storms caused damaged to the home. The home is exposed to the elements and is at risk of additional damage. Carrington is trying to shift responsibility of the non payment to me. The property has no insurance and despite my efforts I am transferred between people with no progress. They have advised me that they will force place insurance at a higher cost causing my payment to go up and my coverage to go down for my own personal investment interest on this property. on XXXX XXXX they said they would send an adjuster out and they have not contacted me or sent anyone out as of XXXX XXXX. They are talking about filing a claim with another company which will not work since the damage is preexisting. They clearly have no idea what they are doing. 

They need to prioritize the issue since the property is not properly secured and exposed to the elements. My efforts at covering the hole in the roof are temporary. If another storm goes through there will be additional damages. 

In the meantime, I have tenants displaced that I am covering their housing costs.Please kindly involve yourself in this issue to get the mortgage holder to understand the severity and importance of their proper handling of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have called transunion and spoke with costumer service they did not take care of this problem with removal of some inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out a school loan on XX/XX/year> for the amount of {$13000.00}. as of today I have paid back in interest {$15000.00} with an additional {$5600.00} in capitalized interest totaling {$20000.00}. I still have a balance of {$9700.00}. on top of that my interest rate sky rocketed from 6 % to 10.75 % in XXXX of XXXX doing the math i'm going to be paying back well over {$30000.00} for a loan that was only {$13000.00} to begin with. I feel like I was misled and my account was mishandled as far as paying back the loan and having the loan company auto allocate my founds.
Product: Student loan

I applied for the XXXX XXXX plan in XXXX of XXXX  it was accepted and I received a notification on XX/XX/XXXX that I would have a {$0.00} payment for 12 months starting XX/XX/XXXX and it would follow the general rules of having to resubmit my income every 12 months as required. This was then revoked with, according to Nelnet, no record or reasoning on XX/XX/XXXX and a retroactive balance was added to my account along with a late notice due to this sudden change. 

When I contacted Nelnet on XXXX  they were unable to provide me with any explanation of what happened and that now my payments are significantly more than the original {$0.00} per month. The late amount was forgiven but I then had to reapply for the XXXX plan due to being then incorrectly placed on the XXXX plan. I was given no update or documents to explain what was going on or what will happen. I was told that the only thing I can do is wait for them to look through everything. 

I would like to continue with my applied, promised, and signed 12 month agreement of {$0.00} per month and reevaluate in XXXX of XXXX  as I was guaranteed originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Merrill Lynch Wealth Management is throwing obstacles so consumers have difficulty accessing their own funds. On XXXX/XXXX/2015 I went online to do a wire transfer. I input correct B of A account and XXXX numbers. I called M-L to complete the transaction. Several times they tried to transfer me to a financial advisor ; finally I convince them to do the transfer and they confirm is it complete and should fund within a day. XXXX/XXXX/2015 funds are still not in my account. When I call, they say B of A rejected the transfer saying the account does n't exist. I recheck my online data for the transfer and it is all still correct. M-L says they can not show me the notice from B of A rejecting the transfer, that it is a 'backroom ' process. I convince them to do the transfer again, and they finally do. I believe M-L fraudulently stopped my transfer to keep funds in their company ; they did not contact me to let me know of any problem. Clearly, there should be no problem because the numbers on record for wire transfer in my Merrill Lynch Wealth Management account are correct.
Product: Credit card or prepaid card

Company disagrees with dispute and PURPOSELY put transaction back on the day statement generates .. not giving me a chance to appeal or to not have it affect my credit
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CAPITAL ONE for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Product: Credit card or prepaid card

Hi there, one week ago I noticed that Bank of America has closed my Credit Card without any notice. After I followed up several times, I received a letter stating that they closed my account because of several inquiries and high balances in my FICO report. I then visited a branch, talked to an officer and they connected me to Credit and Risk department, ( unfortunately I dont remember their name, but one of the was XXXX ) they kept insisting that the business made that decision, they said they were " concerned '' that I had balances in my report, but it doesn't justify their action because 1 ) I've been 100 % on time with all my payments to Bank of America and all other banks, in fact my credit report says 100 % exceptional on time payments, not a single late payment, 2 ) I've always been on time with my all payments to bank of america , and 3 ) very recently I opened a few line of credits with some credit unions for my business, that dropped my score from XXXX to XXXX, but I've been on time with my payments and am paying my loans. Nothing is wrong, I have a well-paid job and am also making money out of my business, and am paying back all my loans, no delinquency or late payments. In fact, like anyone else that they get loan, at the beginning you have several inquiries on your report and since you open a new loan, your credit score drops but as you start paying off, it bounces back. That credit card that I had was my oldest card/account and now that they closed this account only because they were " concerned '' it destroyed my credit history, profile and so forth. I find this bank of america 's action very unfair. They could have waited for when I was late on any of my payments then they could draw a conclusion that they were concerned about my other balances and then close my card, but with no convincing grounds, they closed my card and I want to sue them and file a compliant because I want that card/account to be reinstated. It's also interesting that I'm a gold tier customer of bank of america.
Product: Debt collection

I have 2 accounts opened in my name 1 month apart. XX/XX/2019 for {$1200.00} XX/XX/2019 for {$1200.00} both from a company lvnv funding llc. They also go by resirgent capital. I have disputed these both accounts and had them removed from XXXX and XXXX  and now they are on XXXX. These may be part of the XXXX breach as I was affected. Any search that I've done on this company states they are predators looking for money not owed Bringing harassing accusations and ruining credit as there weapon
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am  requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : In accordance to with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States U have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. XXXX had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 unauthorized inquiries from XXXX XXXX on my Transunion report XX/XX/2022 and XX/XX/2022. I have been going back and forth between companies since XX/XX/2022 we regarding these 2 unauthorized inquiries. Transunion tells me that XXXX XXXX is supposed to investigate and XXXX XXXX tells me that transunion is supposed to investigate. I filled a police report and sent the information to the credit union. I did not get a response until XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Mortgage

This complaint is against Bank Of America Home Loans. Since XX/XX/XXXX/XX/XX/XXXX I have been trying to get help in modifying my loan with BOA due to the recession. I had lost my job and I had sent BOA all information of hardship. BOA kept losing all my paperwork and kept requesting all information over and over. Eleven times I did sent. I finally gave up, no hope. Found out millions of customers had similar problems. I was forced to go into Bankrutcy inXX/XX/XXXX. Lost my house. Fast forward XX/XX/XXXX, I was informed that BOA had been sued by the Dept Of Justice and fined XXXX XXXX. BOA was supposed to help out troubled home owners even those forced into bankrutcy save the house. Mortgage forgiveness program/modification. I called and BOA played the same role in denying help even though it was part of the deal with the Dept of Justice. As of today XX/XX/XXXXI called BOA XXXX and they claimed now they sold my mortgage to a Third party called XXXX in California.XXXX. I called XXXX XXXX and they advised that my property was to be sold on XX/XX/XXXX.
I have made every effort possible to save my home XXXX XXXX XXXX, XXXX, New Jersey XXXX  But, it seems that BOA was still deceiving customers and playing dirty. I am willing to save property if BOA does honor the Mortgage Forgivessness/Modification as required by the Dept Of Justice. I need help fighting this corrupt bank. Please advice.
I really do appreciate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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 XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/ XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Sold ; was Charged-offXXXX Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

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

Good afternoon, I have sent multiple letters to XXXX, XXXX, and XXXX they are not complying with my dispute request. I sent a letter on XX/XX/2022 and XX/XX/2022. I still havent received any response or debt validation. The information they are reporting is incorrect and illegal. I have found information that the creditor and I will have to take to court. This is affecting my livelihood in a negative way and needs to be removed immediately. 

In Best Regards, XXXX XXXX My direct number is ( XXXX ) XXXX and my email is XXXX. Phone Mon-Fri XXXX EST
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 
They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX