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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been making consistently bi-weekly payments with my mortgage servicer 'Mr. Cooper ' dating back to XXXX, but recently an 'adjustment ' has shown up on my statement titled 'Forbearance Adjustment ' that has caused an underwriter for my new home to question my payment history and has delayed my loan acceptance. I called their customer service department on XX/XX/XXXX and advised them of this issue and they did confirm verbally that I was never in forbearance and never applied for it, but refused to remove the forbearance adjustment from my account. I then followed up with an email that day to their research department at XXXX per direction of their customer service team and still have not received a response. 

This is not an accurate record of my payments made and does not accurately reflect my consistent monthly payments that have been made in accordance with my agreement. Reporting this way on my statements has negatively impacted my ability to apply for my next family home and has caused me significant extra work to prove to my new lender that I do make consistent payments and never apply for forbearance. 

I can provide copies of all correspondence as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Ordinance with the faircredut Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have the right to Privacy.

15 USC 1681 Section 604 A Section 2 States : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Dear, Im XXXX XXXX XXXX, I lost my credit card on XX/XX/2020 and I called the comenity bank to stop It but they dont want to stop the credit card and jeopardize and create financial injuries usually the address on file/birthday and ss # are sufficient As retired XXXX XXXX  from XXXX XXXX I can have 1 phone number and do subnetting It to 1000s number I really dont know what the credit bureau has I changed so many phones number do u how long It take to do change It to Creadit report according FCRA at least a month if u lucky, the Comenity bank just purchased my account from XXXX XXXX  this is illegal for what they doing, I had to call again to stop It they saying they need to transfer It to account manager wow
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX XXXX XXXXXXXX XXXX Amount owed {$290.00} XXXX Amount owed {$520.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 GEKOSL t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( XXXX ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

COMPLAINEE, CHASE DEBIT CARD XXXX XXXX XXXX XXXX, DEFRAUDS COMPLAINANT XXXX XXXX XXXX XXXX REFUND AND XXXX REFUND.
CHASE MAKES IT IMPOSSIBLE FOR ME TO CHECK MY CHECKING ACCT ONLINE. I KEEP GETTING FRAME.
FINE CHASE, THE BANK TOO BIG TO FAIL WHOSE EVERY XXXX IS BACKED BY THE US GOVT, FOR FAILURE TO PERFORM DUE DILIGENCE.
1-DUE DILIGENCE OF CREDITING ME XXXX  XXXX REFUND
Good Evening XXXX XXXX,
 


I am confirming with you that we have issued a $XXXX credit on X/XX/17 that will be issued back to your credit card ending XXXX.
 
 

Thank you,

cid:XXXX XXXX XXXX
SUPERVISOR, CUSTOMER CONTACT CENTER
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  |  XXXX CT XXXX
Office: XXXX |  Fax: XXXX 
XXXX
2-XXXX REFUND
XXXX   XX/XX/XXXX at XXXX XXXX To	
XXXX
Message body
XXXX Credit Notice DATE: XXXX-2017 ORDER #: XXXX REFERENCE #: XXXX SOLD TO: ======== XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX United States SHIPPED TO: =========== XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX UNITED STATES ================================================================== Ordered: 1 Shipped: 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $XXXX  ================================================================== XXXX-2017: WE HAVE ISSUED A REFUND IN THE AMOUNT OF: $XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit card or prepaid card

I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
BANK OF AMERICA I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Debt collection

I filled out a complaint here about the debt. That was originally for XXXX XXXX. I should not of had to have paid NCB Management at all for this debt, but I did and I was not refunded for what I paid and now my credit report states it was paid in full for less then owed. I want the collection removed from all 3 credit reports because this is a debt from a predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago, I tried to apply for a pre approval for a mortgage. While XXXX and XXXX produced scores, TransUnion stated I had no credit history. I was rejected for the pre approval and a long battle with TransUnion began. I called TransUnion and asked them to fix the issue. They said I needed to call my banks and lenders as they couldnt see my credit history. I called banks and lenders and they all reported it was being sent to the correct name, birthday and social security number. I then mailed documents to trans union utility bills, social security card, and a drivers license. They needed proof that I was really me. At this time, I had read numerous articles online and learned about mixed reports. So I asked my sister to pull a credit report. This is when we learned that all of my information was listed under her name, mixed with her history. We called TransUnion to dispute her credit history. I called TransUnion to obtain my credit report and they still can not see any information or history under my credit report. I am unable to get a loan for any housing and I am stuck in limbo. I have been calling TransUnion every week, for hours at a time trying to resolve this issue and it has been way more than 30 days now.
Product: Mortgage

In  XXXX  of    2016  my husbands position at work was cut and he was out of work without pay for almost 3 months.  XXXX  of my positions at work was cut back so my pay decreased as well.   We fell behind on payments trying to pay everything at least every other month. Ended up having a car repossed so we had to pay more to get it back. Got behind on Mortgage and was told an amount we could pay to get it out of default I was about {$700.00} short due to car repairs and they sent back our money. We tried to apply for a loan modification but were told since we did  XXXX  that went into effect in  XXXX  of    2016  after house/well repairs caused us to get behind. Started the plan in  XXXX  but that was a trial period so not truly in effect until  XXXX . Tried working with  XXXX  to get modification and was told the same thing by the company. House in active foreclosure with no sale date and the company told me only way to save is to pay full amount that we are behind. We keep sending in payments but they send them back.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for and purpose. 

late payment was for XXXX 2021, according to company. There is a 4-month grace period for no late payments
Product: Checking or savings account

I opened an account with XXXX which is part of BBVA compass as per the bank statement I receive. They had a sign-up bonus of XXXX . I have met the terms of promotion. They still have not deposited the XXXX $ and don't give me a good response when I contact them. They have stopped responding all together now. This is a breach of their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act, XXXX  account XXXX ( XXXX XXXX  ) and XXXX ( XXXX  ) has violated my right to privacy. 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, XXXX XXXX XXXX ( XXXX ) reported that I owe {$710.00}. This was reported to XXXX on XX/XX/2022. XXXX XXXX also reported this to Equifax and XXXX on XX/XX/2022. 

My credit report informs me that the original creditor was : XXXX XXXX XXXX XXXXXXXX XXXX XM. I have disputed this case with XXXX for I was unaware of this charge and I also did not give XXXX permission to relinquish nor sale any personal information to third party collectors. Not only did this company harass me to pay this unsolicited debt, but also gave/sold my information to a party that I do not know. 

In addition, I was able to confirm that both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXXXXXX XXXX violated 3 of the following laws : 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt.

15 U.S. Code 1692. ( D ) ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 2 ]. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692. ( D ) ( 4 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 4 ]. The advertisement for sale of any debt to coerce payment of the debt.
Product: Consumer Loan

XXXX CO - I purchased a truck from XXXX XXXX XXXX when they would finance the warranty. I have not received payment for the lawsuit filed on them to repay individual who were subject to this financing. When I called XXXX they stated they did not know what I was talking about. How do I proceed to get my refund from them?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX USC XXXX C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX is a charge off that left me insolvent {>= $1,000,000} US I took possession XXXXn Sam.Gov the complaint number sent by me around an hour ago Complaint Number XXXXXXXX XXXX XXXX  Management Office XXXX XXXX was solutions letter was sent to me with my last name XXXX. In that Codified Law 58 legislature in 58-3-7.3 and in 58-3-8 has been found was put in CFPB complaint number XXXX was established in Lieu of Oaths in my file this month in the M & A Codified Law 58 legislature of South Dakota 58-3-8 demands a correction of records I am examiner in Lieu of Oaths 58-3-7.3 in that i am requested to give a Notary Public to XXXX XXXX XXXX XXXXXXXX Management Office I do that in codified law 58 South Dakota Legislature 58-3-17 in 58-2-20,58-2-21,58-2-22,58-2-23,58-2-24 in 58-2-27 in Title 45 75.322 ( a ) and in 75.320 ( e ) in 45 CFR 75.322 ( c ) in 45 CFR 75.322 ( d ) ( 1 ) ( 2 ) and 45 CFR 75.322 ( e ) ( 2 ) ( ii ) and 45 CFR 75.322 ( e ) ( 3 ) ( i ) ( ii ) ( f ) The collection and use of this information is authorized by 12 usc 5493 and will be treated in accordance with the systems of records notice ( SORN ), CFPB.005 Consumer Response System, 83 FR 32640 is in codified law 58 South Dakota 58-2-28 my franchise is located in Arkansas . in codified law 58 south Dakota in 58-3-4 in 58-3-6 in 58-3-7.3 in 58-3-17 in 58-3-15 in 58-3-8 in US Federal Grant Assistance Admin of {>= $1,000,000} US in the XXXX accession to wealth as solution for letter from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in codified law 58 South Dakota 58-3-24 in 58-3-25 in 58-3-26 in 58-3-17 in 58-3-7.3