23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed!! Immediately
Product: Checking or savings account

On XX/XX/XXXX my Sallie Mae Bank online account became inaccessible. I called them on XX/XX/XXXX and asked for help, advising them that the same thing had happened in XX/XX/XXXX and it took them more than a month to resolve the issue. 

I received reference # XXXX for the case I have opened with them this time. Since opening the case I have spoken with them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but I don't feel like the issue is being escalated to those who can solve my problem, which I suspect is a XXXX party provider of XXXX  services.
Product: Money transfer, virtual currency, or money service

I use grain technology which is an online credit card and I have emailed them more than 5 times a day for the past 2 weeks and no one has responded back to me and I have {$350.00} that I can withdraw and cant get into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my XXXX XXXX credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX to XXXX with no apparent reason. Equifax reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS UNFAIRLY REPOTING FALSE CREDIT INFORMATION ON MY CREDIT REPORT. I HAVE SENT FTC IDENTIFY THEFT AFFIDAVIT TO EQUIFAX 3 TIMES OF THE INNACURAIES, THE REFUSE TO DELETE. I AM A VICTIMG OF IDENTITY THEFT. I SENT CERTIEFIED MAIL OF ALL DOCUMENTS I SENT EQUIFAX WITH THE MOST RECENT SIGNED BY EQUIFAX XX/XX/XXXX XXXX. 


XXXX XXXX FRAUDULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION XXXX XXXX XXXX- FRADULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION. 

XXXX XXXX XXXX : - FRAUDULENT ACCOUNT UNAUTHORIZED BY ME I CONTACT THE ORIGINAL CREDITORS AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX {$51000.00} paid off account. 
2. XXXX account is not mines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX  discharge filing and we signed a reaffirmation agreement XXXX XXXX We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXXXXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX Bank # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX Bank # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off
Product: Debt collection

Shell Credit Services/ Citi Group is in violation of my Cease and Desist Order due to the fact they had closed this account back in the spring of 2020 and I decided to turn several of my credit cards over to XXXX XXXX XXXX  XXXX for Debt Relief and I initially wrote Shell  notifying them that the account in question had been sold as of XX/XX/2020 and for them to contact XXXX XXXX XXXX  XXXX . Since then I have mailed them 3 Cease and Desist Orders requesting that they not contact me any further and telling them repeatedly that XXXX XXXX XXXX  XXXX needs to be contacted. 
The most recent order has not had time to get there it was just mailed out yesterday, however with that being said they repeatedly call here and have done everything in their power to get me to answer the phone ( blocked the number, shows unknown number, hides their company name, hides their number, shows potential spam ) They received one of the letters but their response said We appreciate you contacting us concerning your account however, we need to speak directly to you and we do not need to speak to anybody else. 
I have answered telling them not to call me any further and to call XXXX repeatedly or either they leave me a message that they need to speak to me directly. The number comes up as an unknown number but they have left a message with a call back number, XXXX. The most recent contact from them was an email on XX/XX/XXXX, XXXXfrmanding to make a payment now and to login on my account to make the payment and then they called in on Sunday XX/XX/2020 requesting the same and stating that it is important
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off my car loan over two months ago with a settled for less agreement and veros credit told my I would get my title in about two weeks. I called them several times after that two weeks had passed and they would tell me different stories such as the title is in the mail or that they forgot to send it. A few days ago they finally tell me that they hold titles for at least 180 days after final payment. Thats illegal and unethical and I need the title that legally belongs to me to be able to register my vehicle now.
Product: Mortgage

My name is XXXX XXXX XXXX and my wife 's name is XXXX XXXX. On XX/XX/2019, we applied for a refinance with Lakeview Loan ServicingXXXX XXXX XXXX, on our existing mortgage with XXXX XXXX XXXX XX/XX/XXXX. The amount of the loan applied for was originally for {$320000.00}. The process took 4 months for us to get Final Approval and the Loan Processor even asked us on when we want to close. I have sent emails and made telephone calls since, as to the status of the closing. The answer I was given was that there needs to be some updates made. Today, XX/XX/XXXX, after demanding for an explanation and answer on what's holding up the closing, I was told that we can not go forward with the closing because of how the loan was structured. I can't understand why we were told that the loan has been approved and ready to close as early as XX/XX/2019. My complaint is that why we were made to understand that the loan will close when in fact, there were some issues that need to be addressed that we were not aware of. I will forward the stream of emails between XXXX XXXX XXXX ( on behalf of Lakeview Loan Servicing ) and ourselves. The persons that I had communications with are : XXXX XXXX XXXX at Lakeview Loan Servicing, and XXXX XXXX at : Lakeview Loan Servicing. I hope this will merit your kind attention. Respectfully yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 76 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 76 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
Product: Checking or savings account

On XX/XX/2020 there was a security deposit deducted from my account but I cancelled the contract, in writing, within a 72hr period in accordance with the Truth and Lending Act. However, I was unsuccessful in getting a refund from the merchant and therefore I called my bank because I was unable to dispute the matter online. After the correspondence with the bank on XX/XX/2020, I believed the funds would be returned since I was unsuccessful with the merchant and talking with them is the first requirement to dispute a transaction. I completed the proper paperwork with accurate and detailed descriptions of the correspondence and even faxed the proof over to the bank. However, I was also told by the bank that they would be taking back the credit on XX/XX/2020 and I do not believe that was fair or a thorough time frame to investigate the facts of the dispute. Whenever a bank needs to TAKE your funds there is no issue at all, however there is always a big hassle or extreme difficulty to get YOUR funds RETURNED. Since the dispute has been closed, I have not heard anything else from the bank.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # 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 confidentiality under 15 USC 1681. Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX account date XXXX XXXX XXXX XXXX XXXX XXXX - account, date XXXX XXXX XXXX XXXX XXXX XXXX- account # XXXX account date XXXX balance amount XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX date XXXX balance amount XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account date XXXX, account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX account date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX, account XXXX XXXX account balance XXXX closed XXXX XXXX XXXX XXXX account balance XXXX account date XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account balance XXXX XXXX XXXX XXXX account date XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account dateXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, account date XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX, account balance XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX XXXX account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has to update there credit report as XXXX XXXX and XXXX need to be deleted!
Product: Credit card

This account should not be furbished on my consumer report as they are in violation under 15 U.S.C.1681b-permission purposes of consumer reporting agency may furnish a consumer reporting.

( Fair credit reporting act ) 15U.S.C.1681et seq ( FDCPA ) Section 1692d:1692e
Product: Student loan

We were told our lowest payment option was interest only payments, Which we have found out is not true. 
Our interest even after payments accrued every month. 
Payments were allocated to incorrect loans by Navient. 
We have contacted Navient several times only to be told there is nothing they can do. 
We also were told by a Navient individual that would work with us after defaulting.
Product: Consumer Loan

While trying to reset my password, the website attempted to request additional credit without my permission. I then found a hard inquiry on my credit report. After bringing the issue to the attention of the company, they refuse to acknowledge that there is an inquiry on my credit and continue to send me the same responses. I have sent photos to them, but they still respond with the same.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXBalance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Product: Debt collection

I have received numerous calls from a lawyer, Maury Cobb. XXXX. I don't own any funds to anyone and my credit rating is XXXX. Since my phone number is new and have received a re-cycled number, he is probably trying to reach the person who previous had my cell number. I want this guy to cease and desist.
Product: Debt collection

This company, Innovative Recovery, is reporting false and unverified information in my credit reports. I have never even got ta a single letter from this company and now they report on my credit reports illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with Fifth Third Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. Fifth Third need to fix this as I was a loyal customer for over a quarter century.
Product: Debt collection

AD ASTRA REC is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please. 
XXXX  XXXX  I have 2 accounts that should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 and XX/XX/2022 Disputed amount : {$130.00} USD XX/XX/2022 at XXXX XXXX  PDT You appealed the outcome of this case by providing the following additional info. 

Everything I did was over the phone. I have no document I can upload. I called XXXX back in XXXX or XXXX to have my services canceled due to their ties with XXXX. It was all over the news that XXXX could use XXXX to cause damage to the US network. When I saw I was charged again for the services, I called XXXX and they were no help, and said I had to call XXXX. When I called them, they were also no help, but said they were unable to find any account. Neither company XXXX or XXXX is willing or able to help resolve this issue. I do not have the software installed, I am unable to even download said software because I have no account. If is matter is not resolved I will take the action further to DFPI and FTC, and if I have to I will also file with the court. I called and had the services canceled and I bought XXXX for my services. It is not my fault they didn't do their job correctly. Not all companies allow customers to cancel with ease online. XXXX is a company that I was unable to find how to cancel online, so I had to call and cancel. I will not use a service that has ties with XXXX and could harm the US. 


XX/XX/2022 Spoke to the seller ( XXXX XXXX XXXX ), and the seller said they could not help I had to call another company ( XXXX at XXXX ). I called the other XXXX and they were unable to find my account in their system. I asked to speak with someone else, but they were unable to transfer me to speak to anyone else. I canceled my account with them back in Late XXXX or early XXXX due to security concerns with XXXX having ties with XXXX. All Services have been deactivated on all my systems, and removed from all my systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the certified letter that I sent to CBNA/Home Depot which explains in detail what I'm disputing. Briefly, I bought ~$XXXX  worth of items from XXXX XXXX in XX/XX/XXXX and used my CBNA/HD card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called CBNA/HD customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by CBNA, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by CBNA.  I sent a certified letter to CBNA explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, CBNA, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at CBNA to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!