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

In accordance with Fair Credit Reporting act these accounts have violated my rights XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I was a customer with XXXX XXXX until XX/XX/XXXX. When I terminated my contract, I asked to pay any remaining balance. After that conversation, I never heard from XXXX XXXX again. Then, on XX/XX/XXXX, I started getting XXXX calls a day every week day from a number my phone identified as spam. After a few days, I picked it up and asked why they kept calling me. They told me they were from AmSher Collections collecting on a XXXX XXXX debt and to give them my credit card number. I told them that I do not give out my credit card number for unspecified charges over the phone and asked them to send me a paper copy of the charges. The representative from AmSher told me they had mailed me a bill that week. She also said she would note in my file my intention to pay when I got the paper copy of the charges. I have never received a bill or anything from them in the mail and they continue to call me XXXX times a day, M-F. I thought this type of harassment was illegal. I have looked online and many have had identical experiences with this company -- constant calls and refusal to send out written correspondence or bills.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. I have 2 unauthorized inquiries on my report. XXXX from ( XXXX XXXX XXXX ) on XX/XX/2021 and one from ( CAP1/SAKS FIFTH AVEN XXXX XXXX XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.
Product: Checking or savings account

TD Bank will not refund fees that are related to checking account pulls from XXXX that were unauthorized. I called into TD Bank to let them know that these transactions are not my doing, yet they are willing to let my account be overdrawn - {$310.00} because of these fees. 

I have incurred overdraft fees due to unauthorized XXXX transactions on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet TD Bank did not stop XXXX at any time from withdrawing my account.
Product: Debt collection

I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.
Product: Debt collection

I am writing to you as an insured person of XXXX XXXX. I received services from the in-network facility : XXXX XXXX XXXX in 2021. Prior to receiving these services I had expended the full amount of my deductible and coinsurance ; Leaving no remaining patient responsibility. 

The above facts are not in dispute by the insurer, nor are they in dispute by the provider. 

I contacted Account Resolution Corporation, and advised that this was a mistake, and requested that they contact their Principle ; XXXX XXXX XXXX. They refused. 

After many weeks of trying to get a live body, and a reply, it seems that XXXX had a software glitch, and provided XXXX an incorrect TIN #. I am further advised that multiple consumers were impacted. 

This matter needs to be cleared up with an urgency that none of the parties seem willing to take.
Product: Mortgage

the mortgage company is holding on the insurance money that I need to have the repairs done on my home. Meanwhile, I living in the home that has mold, fungus and raw sewage.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

XXXX/XXXX Inquiry XX/XX/2017 I do not recall giving the above company permission to access my credit report from Transunion or any other credit bureau, I request proof, rather it is my signature, or voice recording giving my premission to access my credit bureaus
Product: Debt collection

I had an emergency hospital visit in XXXX  of 2019 and XXXX  XXXX   XXXX (emergency room doctor) had sent me a bill that was not correct and after getting the information corrected, ( I am a private pay patient and only owed $XXXX instead of the $XXXX that showed up on the bill) they sent me a receipt, closed my account and informed the Debit Collection Agency ( AmeriFinancial Solutions, LLC) that the debit was paid in full and to remove from their system.  I called AmeriFinancial Solutions on several occasions ( XXXX  XXXX, XXXX, XXXX, 2019) to ensure this was closed on their side and taken care of.  On XX/XX/2019 I talked to XXXX, who stated it was closed and they had informed all 3 credit reporting agencies to remove this account.  I have disputed this with all 3 credit reporting agencies and as of XX/XX/2019 the agencies are still reporting it active, but the Debit Collection company says it is closed.  I do not know who is dropping the ball here, but I need this off my credit report. Please have AFS get with all Credit Reporting agencies and get this removed.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the ongoing difficulties I have experienced while attempting to remove fraudulent items from my credit report. Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. 

Here is a summary of my unsuccessful attempts and the fraudulent items in question : I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. 
Upon discovering these fraudulent items, I promptly initiated a dispute with your organization by following the dispute resolution process provided on your website. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. 

To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. I have since made several follow-up attempts to dispute and rectify this situation by providing additional evidence, contacting your customer support, and seeking assistance from the relevant authorities. 

Regrettably, I have not received any meaningful resolution or assistance from your organization, despite my continuous efforts to correct this situation. This prolonged inaction is causing me significant financial and emotional distress. 

The presence of these fraudulent items on my credit report is damaging my financial reputation and hindering my ability to secure loans, credit, and housing. I have taken all necessary steps to report the fraudulent activities and provide evidence, yet these items persist in my credit file. 

I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. 

Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : 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

I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.
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 Account XXXX Account Name : XXXX  XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

Capital One reported to the credit bureaus that I missed my payments for XXXX, XXXX & XX/XX/2020. Dropping my credit score by 90 pts. Which Resulted in my opportunity to buy a home and receive my SBA grant.I was Denied for the grant due to credit reporting by Capital One. 

During the COVID lockdown in Michigan my place of employment was forced to close by the Governor of Michigan. I had to apply for unemployment, but due to Michigans Unemployment department Problems, which are widely known, I did not receive my unemployment payments for 11 weeks. 

I contacted Capital One in XX/XX/2020 and requested a payment deferral until XXXX, I did make my XXXX payment. 
Note : CAPITAL ONE MAKES THIS PROCESS very time consuming and nearly impossible. Unlike most banks, who make the process as simple as clicking on a link and your payments are immediately deferred. ( Example XXXX XXXX, or XXXX  XXXX XXXX  ) Capital One gives the appearance they are being reasonable and following the guidance of the Federal Government, but they deliberately make the process as arduous as they can to deter people who are already stressed. When you call, which is the only way Capital One provides, a recording explains hold times are longer due to COVID 19. The hold times in XXXX and XXXX were greater than 30 minutes at any time during the day or night.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX XXXX did not verify or even work in good faith to resolve the issue. Both companies fails to provide accurate reporting of the collection account wrongly reported on my credit profile. Company claims it was verified simply cause they have a form with allegedly my name and info on it. Fact of the matter is XXXX XXXX XXXX has not provided witnesses, photos, videos are anything show definitive proof of who asked for set up or made the account in question. Time frame they are reporting I was living XXXX miles away. 

On the other hand Experian colluded with XXXX credit to allow faulty information on my profile without it being verified fairly and accurately. Company simply throws up their hands and says well we just report what the XXXX agency reports regardless of if accurate or not. My proof or says is not taken into account it is just simply thrown to the side. 

The reporting process is crooked and stacked against the defending party. Anywhere else its innocent till proven guilty but here its they can falsely accuse with damaging consequences to some who is being wronged already. This account appears to be XXXX years old and coming out of no where at this time. They are reporting it as a new account opened XXXX of 2022
Product: Checking or savings account

On XX/XX/year> a transaction was made for XXXX for the amount of {$71.00}. I have filed claims with XXXX in which they were not able to refund the funds because they are stating it was done with no error. My card information was stollen and used with a guest XXXX account in which I also filed a claim with XXXX. I do have a XXXX account and when my card information was used they sent me an email. I provided all information to chime and my claim was denied. They act as if it is a verified transaction because my card information ( That was stollen ) was used with my name. On the XXXX receipt is blatantly shows a mans name that lives in XXXXXXXX XXXX  that used my card information to make a transaction on XXXX. chime has given me no support with this and is refusing to give my money that I have in my bank account that was an unauthorized. I have even filed a police report upon having the persons name and address.
Product: Credit card

On XX/XX/10 someone tried to get a loan on my card ( {$30000.00} $ ). The bank called me on this suspicious activity and I denied that I submitted the application. They cancelled the attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, A company called XXXX XXXX checked my credit without my permission. I didn't ask them to check my credit. As a matter of fact, I don't know who they are. Or what they represent. I have never heard of this company before. They checked my XXXX report. I have a freeze/block on all 3 credit reports and they had no right to break into XXXX and check my credit. The block has been on my report for almost 10 years also there is a statement on my credit report that states call me first before you check my credit, I would have told them I didn't apply for anything from them. I am a victim of identity theft and I don't appreciate anyone checking my credit. Please delete your company from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the accuracy on the following account because it is aged past 7 years and it is not supposed to be reporting on my credit report. I consulted with a lawyer because I have been fighting this some time now, They told me that this falls under the following section inside of the FCRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I have asked this company not to report this because it is outdated past 7 years. I have even told XXXX, XXXX, and Transunion to look at it because it is outdated. It is also reporting incorrectly across all XXXX bureaus. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. The account type details is different, the reporting balances are different, the date of last payment and date of last activity is different and and both have not been touched since 2017.
Product: Credit card or prepaid card

I was checking my credit alert to make sure the freeze was still active when I find out the Citi bank authorize a credit card in my name with informing me was it my account., one card was target store credit other was sear credit card in XX/XX/XXXX I live inXX/XX/XXXX and car loan I do n't drive am was a victim of a major bleach and identity thief access my personal information to dteal inonly have one card and never applied for any credit there was a organization I once attend call housing work that I believe s this fraud started the CEO a thief and by I never trust by him he deal with organized criminal and cyber hacker he no trustee of my no lawyer and time many court case against him I never give over any power of attorney and don't do charity fraudulent covid charity may be at I don't do charity and ask for a full investigation I live in public housing program and s place were people who known for cyber crimes tenent that not resident of the building ilegel renting to people be that do crime against citizen and s car jacking ring reporting this because safety and Americans right I defend.and if it take stop thief I will am a victim of a crime, and cyber stalking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Student loan

XX/XX/2019, I contacted Navient for my Son 's private Student Loan. 
II borrowed XXXX and now the Interest is so high it is triple now. 
I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month .... 
So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... .. 

So same thing happened in XX/XX/2019. I gave a payment over the phone. 
The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up. 
So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken. 
So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX