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

Ever since I moved from XXXX to XXXX I've had nothing but straight hail from the credit of reporting agencies they say I got fraud they say they put freezes on my credit report that is not doing me any justice I worked hard for my for my good credit that I have I have outstanding excellent credit and now all my cards are being turned down for identity theft nobody has stole my identity I me I would appreciate you I'll get this off of all three of my credit report agencies so I can maintain my credit card use cuz I'm a upstanding citizen I fought for us in the war I demand accuracy and I'm who I say I am nobody else is me pretending to me nobody stole anything and there's no fraudulent things on my charge card straighten it all out XXXX XXXX XXXX XXXX all them cars have been put under review because of this XXXX this is XXXX  fix it now I live in XXXX  I no longer live in XXXX  my telephone number has changed I no longer have XXXX  numbers thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Chase via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Chase has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Product: Credit reporting or other personal consumer reports

Notice of Agent : XXXX, Equifax, XXXX I am writing to express my serious concern and frustration regarding unauthorized information that has been added to my credit report by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and I expect that my credit report is a fair representation of my financial history. Unfortunately, recent changes to my credit report have raised significant issues that need to be addressed promptly and every hard inquiry needs to be removed. they are in non compliance of this code, I did not authorize with my physical signature any of those inquires to be added to my report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.
Product: Debt collection

Original XXXX due ( owed to original company ) : {$2800.00} XXXX XXXX XXXX , XXXX charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from XXXX dated XX/XX/XXXX in the small claims court of XXXX XXXX AL. I was never summons to court at the time. I did call XXXX to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from XXXX, XXXX. I never received any other notice from XXXX, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Reports Regarding Address Discrepancies to all 3 Credit reports XXXX, XXXX, Equifax. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According to the fair credit reporting act XXXX  account CCS Collections Agency has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
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. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have requested for Experian to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info. And they keep allowing the same company to post fraudulent inaccurate accounts to my credit report. This company keep changing account numbers and are an illegal operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

increase of XXXX on my card that i have already made payment, they decreased my fios score by 39 points, unbelieveable.
Product: Debt collection

AFNI # XXXX XXXX XXXX XXXX XXXX IL XXXX have a a unverified account from XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of these hard inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, 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 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$4300.00}
Product: Mortgage

Specialized Loan Servicing, XXXX # XXXX. 
Notice of Default Mailed or Generated on XX/XX/2023 and sent to me via Certified Mail.

Letter stipulate I have 33 days from date of letter to cure my default balance. 
However, I signed for the certified delivery on XX/XX/2023 at XXXX. 
The 33 days include 9 DAYS IN TRANSIT. I want to have the time extended to cure the default. ( I will have the funds by the XXXX XXXX XXXX XXXX to pay my account current ) I should be given 33 days to cure from the date of receipt of the Notice of Default. 
I contacted customer service and was advised the 33 days starts from the date of the notice and NOT when received. I advised I wanted to extend the due date to the XXXX XXXX XXXX XXXX  and the representative stated she would document my file but the date of XX/XX/2023 is my final date to cure the default payments. She could not state whine the next step of the Foreclosure would take place.
Product: Credit reporting or other personal consumer reports

1. They were negligent in sending too much money from my Escrow account to my insurance company. That is how this whole incident started yet they will not own up to it. I had NEVER been late nor missed a payment until they went up on my mortgage because they had made a mistake.

2. They sent me a letter in XX/XX/year> stating that my mortgage would go up from {$1700.00} to {$2000.00} for one year starting in XX/XX/year>. 
3. When they got the money back from the insurance company and did another escrow analysis that brought my payment back down in XX/XX/year>, I got NO letter nor was I informed. 
4. Please read my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital one and spoke to a supervisor because my U.S.P.S mail in proof to the dispute dept has gone unfixed. I asked to speak to someone in the dispute dept. but that department does not have incoming call access nor did the supervisor have a way to send an email. My information was verified that they recieved my mail and showing I had tried to dispute my late payment reportings but there was nothing she could do. I have submitted proof of my online bank statements that show direct payments were made to capital one. I have also tried several attempts with XXXX  and XXXX to remove the late reporting that Capital one has but they keep denying it. I need these false late payments taken off my credit. I am submitting again proof of my bank statements.
Product: Credit card or prepaid card

I tendered payment to Capital One credit card account via an ambiguous negotiable instrument in the form of postal money order XXXX in the amount of {$1000.00} in accordance with XXXX, UCC 3-603 and UCC 3-311 to Capital One on XX/XX/2022. They accepted my instrument, but only credited my account {$1.00}. I spoke to them on the phone and they refused to apply the proper payment, even though they admitted they accept legal tender, which is what I gave them. This is a dishonor and against the law. Ive attached to this document all the applicable laws, a copy of the check, proof of deposit, as well as documents confirming my status as a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX  XXXX XXXX XXXX, Minnesota XXXX XXXX of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Debt collection

On XX/XX/XXXX, I contacted the three credit bureaus to inquire about inaccurate information that is currently reported on my credit profile. XXXX XXXX XXXX is an account that was opened on XX/XX/XXXX, on my profile. The account number is XXXX and has a balance of {$3200.00}. It was opened against my knowledge and consent and is a Collection account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Citi Bank NA has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, 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 Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and 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 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: Student loan

I requested a copy of my promissory note a month ago to review the terms because I 'm considering consolidating my loans. Navient advised that it would take a few days to process. The only information I received in the mail was a copy of the previous servicer/lender history. I called again today ( XXXX ) and they initially advised me that they did n't have a copy of my note. When I pressed them on the issue they advised that it would take another XXXX14 business days to process the request. My payments are increasing on XXXX/XXXX/17 so I need this information quickly in order to make a decision on whether to consolidate. If Navient does n't have my note, they should not be collecting funds from me and these loans should be removed from their systems. If they do have my note, they need to send it to me quickly, preferably via email and if not email they should overnight it via XXXX or XXXX. Again, I need this information very quickly in order to make a decision about my financial future. In addition, I have some variable interest loans and the interest rates were just raised by the Fed. If my payments are increased before I 'm able to consolidate because Navient failed to send the requested information, they should be held responsible for any change in my payments.
Product: Credit reporting or other personal consumer reports

On my credit report is a lot of inaccurate information such as names, addresses, and employment and inquiries. 


XXXX, XXXX, Transuion Subject : Dispute of Inaccurate Information and Inquiries on Credit Report I am writing to formally dispute inaccurate information and unauthorized inquiries reported by your company on my credit report. Specifically, the following items are incorrect : 1. My name is not XXXX XXXX. This is inaccurate 2. XXXX XXXX XXXX XXXX Louisiana is not my address. XXXX These items are inaccurate and misleading. I kindly request that you investigate this matter and correct or remove the incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing once these inaccuracies have been corrected. Attached are copies of my credit report and any supporting documentation relevant to this dispute. 

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

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX 2003 .... Balance {$6600.00} XXXX XXXX XXXX XXXX Balance {$4800.00}
Product: Credit reporting or other personal consumer reports

Expired breach credit file by conspiring with other corporations to breach the truth in lending agreement and permit damage to the consumer report issued by investors authority of agreement. Such findings are a violation under 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

As XXXX  permjtted and willfully neglected executing care in its duties of care. 

Under the assignment of a trust agreement of warranted property. 

Please issue an audit on the several inquirys they refuse to remove claiming it does not harm my profile. 

Which is an act of neglecting the consumers report to remove negative findings in the detriment of the consumer under truth in lending disclosures and 18 usc 6 obligations of the U.S
Product: Debt collection

In XXXX I opened a XXXX XXXX account and noticed I had a few delinquencies. In which 3 out 4 are not mine. I was able to successfully dispute 2 due to identity theft. In XXXX I had a significant other who I believe got a hold of my information and started opening accounts under my name. As I started tracing these accounts I found a lot discrepancies. Wrong name spell, unknown incorrect address. I have been trying to dispute with LVNV funding for the amount of {$3600.00}. I've sent several letters of dispute, obtained a police incident report, asked for more information. They've only sent me a billing statement in which none of the information was correct ( unknown incorrect address ) all charges tallying to the amount owed was done in month. I have looked over the statement and none of the charges are familiar.