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

On XX/XX/XXXX, I, XXXX XXXX, an consumer, sent XXXX certified mail via USPS. However, According to my consumer report that I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX, Account # XXXX XX/XX/XXXX of listed late payment 2. XXXX XXXXXXXX XXXX XXXX, Account # XXXX XX/XX/XXXX of listed payment 3. XXXXXXXX XXXX, Account # XXXX XX/XX/XXXX of listed late Any information listed on my consumer report must be verified. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 

Kind Regards XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting or other personal consumer reports

My information was impacted in the Equifax data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : Account : XXXX XXXX XXXX. 
Account # : XXXX Date XXXX Account : XXXX XXXX XXXX Account XXXX : XXXX Inquiry : XXXX XXXX XXXX Date of XXXX its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently incarcerated, so when I got out I made it a priority of mines to fix my credit. Once I obtained my report, I noticed inquiries dating back to a year that I was unfamiliar with. I reached out to Transunion and the other reporters and was told to file a 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian for a few months only wanting to see my score. A week ago I received notification from two of my major credit cards that they are closing my account with the reason that per credit report from Experian I have too many request for credit review, which concerns me as there should not be. I have excellent credit so my credit card accounts are getting reviewed to be reopened. 
I tried to call Experian regarding this issue and also to cancel my membership. I could not get a human no matter what I tried. The automated system wanted my ss #, date of birth, Zip code and street number. I did not feel comfortable with this. Why cant they just ask for membership number or last four digits off ss #. I believe this to be a problem with several customers. I feel this is some kind of scam. I am not sure what to do.
Product: Credit reporting

XXXX continues to report inaccurate lien amounts. 
A.XXXX and IL dept of Rev failed to send proper notices to me, thus not allowing me to respond, in addressed to XXXX XXXX name B.Placed an XXXX lien. NEVER owed that C.I am sure the state of IL has hired an agency, XXXX who carelessly place errors on consumer reports hoping and using as a collection tactic. 
Delete lien amount error I need Cfpb assistance with this as they continue to report wrong information to bureaus. Even the most recent letter has wrong amount and not addressed to me.
Product: Credit card

I have unfortunately become a victim of identify fraud. I have been going through all proper channels to secure my identity but am still finding evidence of fraud. Yesterday, XX/XX/year>, I checked my mail and discovered XXXX debit accounts opened in my name fraudulently, XXXX of which was NOVO. I have attempted to contact the company to secure my accounts, close any that have been opened and place a fraud warning on them, but I am having difficulty finding contact information for this company. I'm not even sure this company is legit so feel very uncomfortable giving them my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my XXXX and just one on the others. I have sent in numerous disputes and filed two police reports and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT. 
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported not accurate. This is grounds for removal and they also violated my rights under, 15 U.S.C. 1681 section 602 A. I have the right to privacy.

15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX XXXX XXXX Transunion XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed a few companies are reporting some late payments that are not accurate. I am requesting that the creditors remove or update any and all inaccuracies. 

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

ON XX/XX/XXXX I FILED A DISPUTE WITH EXPERIAN IN REGARDS TO A CHAPTER XXXX FILING XXXX THIS DISPUTE AFTER 1 YEAR WENT ALL THE WAY TO CONSUMER AFFAIRS ON XX/XX/2018 I SPOKE WITH A WORKER AT EXPERIAN THAT WENT BY XXXX HE SAID THAT THEY CALL THE CLERK OF THE COURT AND FOUND THAT THIS CHATER XXXX FILING WAS ACCURATE WHICH IS FOUND TO BE UN TRUE BECAUSE I FOLLOWED UP WITH THE US BANKRUPTCY COURT CLERKS  OFFICA AND THEY SAID THEY DO NOT TALK OVER THE PHONE WITH ANY ONE EVER CREDIT REPORTING AGENCIES WITHOUT PERMISSION FROM A JUDGE. THEN I PUT THIS ITEM IN DISPUTE AGAIN THE NEXT AGENT SAID THAT IT WAS VERFIED BY A 3 PARTY VENDOR ... ACCORDING TO THE FCRA ANY INFORMATION VERFIED BY A 3 PARTY VENDOR THE CONSUMER IS ENNTITLED TO THE NAME OF VENTOR AND DATE AND TIME IT WAS VERFIED.. FURTHMORE THIS CHAPTER XXXX WAS ORDER REMOVED BY THE JUDGE FROM ALL PUBLIC RECORDS ... THIS ITEM AS BEEN IN DISPUT 8 TIMES ...
Product: Mortgage

I am behind one payment and another one will be due XX/XX/XXXX. 

I contacted them in XXXX to see if I could put XXXX payment to end of loan. No I cant. 

I got a letter saying I have to bring account current by XX/XX/XXXX or some date. 

I spoke with someone on Monday or Tuesday the week of XX/XX/XXXX, she was not pleasant and said I had to make payment before they could discuss with me. 

My hardship is I had a XXXX! I had no health insurance and my meds to keep me alive was expensive. 

I will be collecting Medicare XX/XX/XXXX so if that one payment could go to end of loan, I will be able to keep them up. 

And what is that {$20.00} corporate fee?
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or Block. Per FCRA section 605 you are required to remove any items listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4000.00}
Product: Debt collection

I have reached out to Equifax several time regarding XXXX regarding collection on my account XXXX stated they no have a account with them It was discharged. I contacted EQUAFAX and I want to bring to your attention the information is incorrect it sates the first Date of First Delinquency is XX/XX/year> .Thats incorrect Please Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Attempts to deposit multiple independent checks, including cashiers checks, drawn on separate banks have been refused with no explanation. 

11 deposit attempts have been rejected between XX/XX/2021 and XX/XX/2021.
Product: Checking or savings account

I have been trying to dispute transactions I made over product that was not received and/or not as described. I went to Chase to dispute these transactions, but they keep telling me I need to prove that I have not received the product. I am perplexed as to how they expect me to prove this and even more so as to why they have not so much as tried going to the company that has n't sent me my product and asked them for tracking numbers, which the company has refused to provide me. I have been with Chase and never have they done such an outlandish thing. I paid for product that has not been sent out for months now, how is there a question about my charge back? And also, why is my dispute circling around Chase and not being brought to the company of which I am disputing charges?
Product: Mortgage

The recent response to complaint # XXXX stated in the letter that a copy of note and payment history was attached. We were provided only a letter no other attachments.
Product: Credit reporting or other personal consumer reports

I am so sick and tired of the credit bureau XXXX with my credit score .My credit cards are payed in full every month and my credit score keeps dropping someone please explain how this can happen. Talk about these companies being fraudulent I need help to stop them from running my credit.
Product: Checking or savings account

I used my Bank of America debit card to withdraw cash from my checking account at a non Bank of America ATM machine on XX/XX/2019. Before dispensing the cash there was a message on the screen reading, " there will be a {$4.00} fee deducted from your account for this transaction, if you wish to continue press yes '' so I agreed to the {$4.00} transaction fee and continued with my withdraw. A few days later, when I looked at my checking account transactions online I noticed that Bank of America has charged me 2 other fees in the amount of {$2.00} each totally {$5.00} for each withdraw. 
I had made a total of 5 withdraws on that date so there were 10 charges on my account for {$2.00} each totaling {$25.00}. When I called the bank, the representative told me that there's a {$2.00} fee to put your debit card inside the machine and another {$2.00} fee to take it out!! Unfortunately the fee I had agreed to was the {$4.00} that was on the screen but in reality I was charged {$9.00} per withdraw. I asked the agent to please reverse these fees since I only agreed to the {$4.00} and had I known it was really {$9.00} I wouldn't have taken money out or gone to the bank 's ATM. She only reversed 2 of them. so I ended up paying {$40.00} in fees to make five withdraws from my checking account.
Product: Debt collection

XXXX {$1500.00} listed 3x. Its an emergency thing. Not sure.

First, I have medical insurance. Second It is listed 3x with the same amount. It is false. 
Third, I have no idea of these charges!!!!
Product: Checking or savings account

My BBVA account was recently acquired by PNC Bank without my knowledge. PNC Bank failed to notify me of the acquisition as well as any chance to avoid fees. Therefore, I had no chance to avoid the fee of {$2.00} for sending me a paper statement. This paper statement was the first notification I received from PNC Bank. When I called and asked for a refund, PNC Bank refused to comply stating that the fee had been " properly assessed ''. I did not have paper statements when I was with Simple nor did I have paper statements when I was with BBVA. I have closed out my account with PNC as of today ( XX/XX/2021 ) so that they can not charge me any further fees they have not properly notified me of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1XXXX Account Number : XXXX 2.XXXX  Account Number : XXXX 3.XXXX XXXX  Account Number : XXXX 4XXXX Account Number : XXXX 5. XXXX Account XXXX : XXXX 6. Account Number : XXXX 7. 42 U.S. Code 1320d Account Number : XXXX 8. 42 U.S. Code 1320d Account Number : XXXX 9. 42 U.S. Code 1320d Account Number : XXXX 10. 42 U.S. Code 1320d Account Number : XXXX 11. 42 U.S. Code 1320d Account Number : XXXX 12. 42 U.S. Code 1320d Account Number : XXXX
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a representative with Navient and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX and did not take out a loan for the school. The representative with Navient acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to Navient to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed Navient through XXXX and again they verified this loan as mine. I want to file a complaint for all the time Navient has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.
Product: Credit card or prepaid card

On XX/XX/2019 I changed my ticket with XXXX XXXX. This change resulted in a charge of XXXX, of which {$200.00} was a change fee. According to American Express one of the perks to the Platinum card is {$200.00} statement credit for Airlines fees. This includes the change fee. However, when I called American   Express they refused to give me credit for the fee because it was not charged separately. Of course not, no airline does that. It is all one charge when you are making a change. They charge the credit card once. I said I can show a receipt showing the charge but the agent refused. The receipt is attached and shows fees paid of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These random companies keep pulling my credit report and I have not authorized any of these credit pulls. Every time I check my credit, a new hard inquiry is on my report and I have not agreed for anyone to pull my credit.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The company XXXXXXXX XXXX XXXXXXXX placed a negative mark on my XXXX credit report about the following account which I do not know the debt. the information is as follows : XX/XX/year> RESURGENT/LVNV FUNDING XXXX. I was never contacted via mail, phone, or email according to the Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 which did not allow me to ask that the debt be validated. So, the debt has not been validated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX  acct # XXXX..., has violated my rights. 15USC 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 an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these companies that I had highlighted was contacted by me, but there end of it wasn't kept. These companies, with the exception of schools financial. Have unwanted, unwarranted, frivolous and excessive checks into my credit.
Product: Checking or savings account

So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX to my Santander 's account and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at XXXX XXXX XXXXXXXX on XX/XX/23 and now my account is closed due to negative balance.I did go to three of the banks that were involved which is Santander ( my bank ), XXXX XXXX  ( check belonged to ), XXXX XXXX XXXXXXXX XXXX Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do. Today i went to santander in XXXX again, the teller girl keep saying that the investigation is done and she can't do anything about it, so now i have to take full responsibility for it because it is under my name.