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

To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS XXXX statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX  in late XXXX of XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXXXXXX XXXX  XX/XX/XXXX for work and presently live here in XXXXXXXX XXXX  as of today. My 1st time visiting XXXX since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XXXX 2019 I noticed that Transunion removed my XXXXl XXXX account without my permission. 
The account is still showing on my XXXX and XXXX which is good. 

I contacted Transunion and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted XXXX XXXX and they said they are reporting to all three credit bureaus. They told me to contact Transunion. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my Transunion credit score like 200 points and I dont know what to do to fix this. 
I need some help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, 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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXX, XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A review of my credit report show that DIVERSIFIED CONSULTA is reporting a debt owed to their company. I have contacted them several times through mail disputing this account and requesting validation. DIVERSIFIED CONSULTA has failed to validate this debt, proof they have a license to collect this debt, and provide me with documents containing my signature authorizing the establishment of this account. 

According to federal law debts must be valid and verified to be listed on credit reports. DIVERSIFIED CONSULTA is in violation of FCRA at this time for furnishing incorrect information that is negatively impacting my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX,XX/XX/XXXX TransUnion, XXXX, XXXX XXXX, XXXX credit card, XXXX, XX/XX/XXXX all continue to report on my credit bureaus I have constantly sent in numerous disputes and affidavits asking to verify and delete of accounts I've sent in a police report they have deleted the accounts and then they reappear back on to my credit bureaus I have contact these companies CFO and Underwriters to speak to about the debt that they are claiming they're trying to receive but they state that they are not the ones reporting that is the credit bureaus that continue to report. Hard inquiries continue to be inquiried, accounts reappear as if they're new accounts, negative reports of closed, under the FDCA and in GOOD FAITH asking to be deleted. I have sent in police reports I've sent in affidavits and the accounts are already closed they're reporting is damaging my. PRESENT & FUTURE I am not able to get business credit, personal credit, Loans, a Mortgage so to be a productive citizen I need revenue and without credit there's no Revenue this is detrimental to my livelihood mental stability and physical wellbeing.
Product: Credit card

Pay Pal Credit, formerly Pay Me Later, is somewhat of a scam which uses unfair lending practices and excessive rates and penalties on EBay customers. 
I am an longtime EBay vendor/buyer who had a Pay Me Later account, which was supposed to be closed. Their virtual option button comes available on most EBay purchases, and was somehow activated on several purchases earlier this year, of which I was unaware. The charges were hidden until I began to receive late notices, and finally was able to track them down. After numerous calls to EBay and Pay Pal, I determined the situation and sent them the payment. They continue to add late payments upon late payments for the past 4 months, in spite of my attempts at reconciliation. 
All of the present charges of around {$200.00} are stemming from an original late charge of around {$30.00}, which is added monthly, regardless. 
This is unethical, in view of the fact I reimbursed them the original purchase amount of around {$130.00}, months ago. I refuse to pay late charges of a greater amount than the purchase price, which have accrued in only 4 months, and continue. 
This is extortion and has to be against US fair lending laws. 
I demant they cease and desist, and have put that in writing and phone calls/emails. 
There are so many complaints about PayPal it is ridiculous. 
Who protects the XXXX XXXX from thieves like this organization?
Product: Debt collection

it say on my report i owe XXXX i never received any paperwork from them and i been on the phone with the them for 30min
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently pulled a copy of my credit report and noticed many items I believed to be reported inaccurately. My goal is to start my own business and purchase a better home for my family. I've been studying consumer laws and The Fair Credit Reporting Act for months now. Finally when I get the courage to dispute items on my report I received a notice from Transunion saying they would stop working on ANY request because they didn't think it was from me. Why is that? Are they assuming that because 'm an XXXX XXXX  man that I shouldn't have the intelligence to communicate in a particular way? To assume it's not me would mean that you know me. Transunion and I are not friends. This letter and their actions come off as XXXX, cruel and intimidating. If they could come up with this, what else would they do to hinder my efforts? What they are doing is a direct violation of my consumer rights under The Fair Credit Reporting Act. By law I have a right to challenge items on my report without being stalled or intimidated by doing so. Quite honestly, I feel very discouraged and unheard in any future attempts to correct items on my report. I'm filing this complaint to give notice to their behavior in hopes that something will be done to correct it for me and future consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled on XX/XX/XXXX. 2019 and I noticed there were several hard inquiries that were removed and has now been reinserted. I called Equifax and spoke with a US representative who removed those hard inquiries. I have since then noticed that they were reinserted and I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquiries that are being incorrectly reported be removed IMMEDIATELY.
Product: Mortgage

The Survey Affidavit is a sworn legal document signed by the Seller that no changes have been made to the property since the prior survey was completed. The home at the above stated address was constructed in XXXX. Utilizing a survey dated XXXX and several aerials taken in subsequent years, we were able to estimate that in approximately XXXX, an approximately 10 x 10 detached workshop was built by the owners of the home at the time. NOTE : Bueno Title & Escrow submitted the Survey Affidavit to the wrong party in this real estate transaction. XXXX XXXX had the Buyers signed the Survey Affidavit and not the Seller. An erroneous mistaken. You can not have the Seller and the Buyer be the same individuals in a real estate transaction for a mortgage. This does not meet the requirement by my lender XXXX XXXX XXXX XXXX as improvements were made to the property. Bueno Title should have requested a new Survey. There is no date on the Survey Affidavit that makes reference to the attached surveys date. We ( the Buyers ), was unaware that XXXX was presenting a five-year-old survey map that did not reflect the permanent improvements that was made by the Seller after XXXX to the property. Bueno title failed to verify the information given by the seller ( XXXX XXXX ) and the seller ' s agent, XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX did not perform an on-site visit. A workshop was constructed ( see MLS ' photos ) which did alter the property dimension as it relates to the easement requirements and other requirements. The workshop must comply with setback and easement requirements, and, must be constructed in a manner that will not jeopardize life safety and the protection of property, per the XXXX XXXX XXXX XXXX and XXXX XXXX. After we began our remodeling project, Building Inspector, Mr. XXXX XXXX, stated that the workshop was not in compliance with setback and easement requirements, and was not constructed according to industry accepted standards. A verbal stop work order on the workshop until a variance was obtained. Bueno Title is negligent as well the Sellers agent for not disclosing and providing misleading information during the closing process. We alerted XXXX XXXX XXXX XXXX regarding the false and inaccurate Survey Affidavit to open an investigate into this matter. 
Our agent, XXXX XXXX ( XXXX  XXXX XXXX ) was advised of the situation and she admitted that her and XXXX were at the property that this clearly omission and error. Negligence of the title company failure to disclose lien against the property and I have that information. It was public records in the office of the clerk XXXX XXXX XXXX in the State of New Mexico on XX/XX/XXXX as the instrument number XXXX.
Product: Mortgage

Seterus, Inc. continues to report that our mortgage payment is late, at this point they have reported this for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We contacted them in XX/XX/XXXX and told them that we were going through a financial hardship because of a job loss and then having to relocate to another state once a job was found. We tried to sell the house but were unable to do so and let them know that we were no longer able to pay both the mortgage and our new rent and asked what options we had. They suggested a deed in lieu of foreclosure so we completed and submitted the necessary forms. We were approved XX/XX/XXXX and we continued to receive threatening letters from Seterus and their law group, XXXX XXXX XXXX that we owed for XX/XX/XXXX and then XX/XX/XXXX. This was all while we completed the paperwork that needed to be notarized and sent back to the XXXX XXXX XXXX. In this paperwork we signed over the property to Seterus , Inc. on XXXX XXXX. They received this packet on XXXX XXXX via XXXX. On a trip up to visit family on XXXX XXXX we went past our old home and found a note attached to the front door stating that XXXX owned the property that was dated XXXX XXXX. We are in the process of filing disputes with the credit bureaus but we would like this matter resolved and for Seterus , Inc. to stop reporting that we are still late. We would also like them to file the necessary paperwork with the county since we are still listed as the owners of the property. Therefore we have our old HOA contacting us as if we still own the property and claiming that we owe them for HOA dues for XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I've mailed and called LVNV Funding about this account and asked for verification and validation because I do not have a contract with this company and do no owe them. I informed them of identity theft issues, but to no avail and valid responses. 
LVNV Funding LLC ( Resurgent ) @ XXXX, Acct # XXXX
Product: Credit card or prepaid card

There is a charge in the amount of {$450.00} on my credit card, posting date XX/XX/2018. 

I do not recognize this chargew. 

I contacted citibank, and they indicated that, according to their records, this charge was made with the credit card physically presented. 

The only option given to me was to state that this was a fradulent charge and the card would be cancelled. 

To avoid this, citibank said they would send me details of the charge by mail within 7 to 10 days.. 

On XX/XX/XXXX, I again contacted citibank to check the status of my request. 
I was then informed that I would have to wait 6 to 8 weeks to receive this information. 

I then requested that a temporary credit be issued pending the resolution of this dispute ; I was told no, even though this is standard practice of other credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that I was apart of a Data Breach was in XXXX / XXXX from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple times last year XXXX and again this spring- a fraudulent account was opened under my name for a Bank of America card. I have XXXX XXXX and they alerted me to this activity and helped me report it and close the accounts with Bank of America. I thought the issue was resolved. I even got a letter saying it was resolved from Bank of America. Recently my husband and I applied for a construction loan and had to have our credit report run. It shows an open account with Bank of America on the report. I called them again yesterday and the customer service agent was not able to find any open accounts under my name, SS # or DOB. Our credit union suggested I file a complaint with you since it was reported on our credit report. Luckily the balance was XXXX, but it was an account opened in fraudulent ways and was supposed to be closed and blocked.
Product: Debt collection

this company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've ADDED a collection to my credit report. 

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, This is a already resolved problem with the credit Bureau Experian that occurred several years ago. I am filing it with you because it was so abusive and inexplicable that I want you to have a record of the incident. I had applied for a small loan ( $ XXXX ) from XXXX  XXXX XXXX for a repair on a rental property I own. Was denied based on bad report from Experian although the other two credit bureau showed excellent credit. Experian showed several judgments and unpaid debts by another person. I assumed identity theft but this was not the cause. Experian, the credit bureau themselves, had " merged '' my report with another person. We did not have the same name, Social Security number, ever have had the same address or lived in the same part of the country, are not the same age, have the same birth date and are not related in any way yet it took six weeks of providing more and more documentation to Experian to resolve the problem that had occurred totally at their company. Resolution should have taken one phone call yet resulted in being denied a loan. I also want to point out that I never married so my name has never changed, had lived at the same address for 15 years in the XXXX. I did live in the same state ( Virginia ) as the other person 15 years before but no where near each other. I always lived in XXXX VA, She lived six hours away in XXXX VA. Always wanted an explanation for being denied this loan. One possibility is I was " red lined '' by XXXX XXXX XXXX because I live in a predominantly minority community. Another possibility is it's a scam by Experian to collect bad debts. A knowledgeable person suggested this, claimed a person desperate for a loan will foolishly be conned into paying off debts they don't owe believing it will clean up their credit report. Fortunately I was able to pay for the repairs out of my savings but would have liked to pay it off over 3-5 years and deduct the interest as a business expense. Sure would like an explanation from Experian.
Product: Checking or savings account

My deposits are not being processed on time for me to receive them because they dont want me to report them for the y will be closed on a Saturday and they try to determine who I report them to the following Monday. I call 3 othe r banks that said I should have received my deposit fro m VA defas or  the treasury.     Also bank took money from my account after I confirmed by phone that the money was there. When I went online to spend it suddenly  XXXX  disappeared then  XXXX  more then  XXXX  more not allowing me to pay my tuition and ruining my registration for courses. I emailed and they refused to state entirely what had been done. When I called they claimed a disclosure that i never received took effect at that very moment late in the afternoon and thats why they did it. So they admittingly denied me my banking rights to hide their discrimination. And just gave me the money back ...     Please help me in this matter.   They have been ruining my life this year