23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case
Product: Debt collection

I got an alert back in XX/XX/2019 from the credit bureaus saying that I had a collection added to my file? So I checked my report to find that a company name CKS Financial, put a collection on my account. No one from this company has ever contacted me before, no letters, no phone calls, nothing. ( So how are that putting information on your credit reports?? which is a clear violation of FCRA ). So I wrote them a letter from the information on my report, disputing this collection and asked for validation of this account with my signature because I have never open an account with XXXX XXXX XXXX XXXX XXXX visa or them. Now 4 months later and the account was never validated or no proof of ownership was supplied. All they do is send generic letter stating investigation was done and result show as listed on the account is correct? But were is the proof?? This is another clear violation of the FCRA. 
I have been a victim of identity theft two times before, and had to fight to get all of the incorrect information off my reports. What someone did then was use a similar addresses to mine and the account in question is under one of those addresses. So I wrote CKS again all certified mail, telling them that the address they have for me is incorrect, also that I am a victim of identity theft and asked them for validation / send proof of ownership with my signature and still NOTHING!! This debt/ collection does NOT belong to me and need to be removed from my credit file with the credit bureaus ASAP. CKS needs to also send me a letter stating that they are CEASING all collection activities along with removing the collection off my credit report. This company CKS Financial is blatantly violating federal law and must be stopped!!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately They have non-mailable addresses that should be removed, which is in violation of the Privacy Act of 1974. 
Also, the Education and Privacy Act of 1974 34 CFR 99, the family education act 20 USC 1232g : Education and privacy act of 1974 4 counts of XXXX, they also reported an address thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 usc 1681 16 CFR 313.7 opt-out Auto loans XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file. alot of the data is invalid on all credit bureaus. please review an remove the information submitted to clear my file asap.
Product: Debt collection

I have followed the proper protocol in regards to collection agency reporting false information to the credit bureaus that hurting my credit score tremendously. I have requested validation of debt from professional debt numerous times but the debt buyer has responded back by spending Invalid lease from the original creditor XXXX XXXX thats nothing of the amount of their are attempting to obtain. I am requesting the proper documentation the dates & signatures of the lease that shows im obligated to pay this debt. Some old documentation were mailed to me that didn't show the proper lease or why that amount is required. I need this to be remove from my credit immediately or ill seek legal action against this company.
Product: Mortgage

On XX/XX/XXXX, I purchased a new home using Lakeview Loan Servicing company. I made monthly payments of {$1800.00} plus additional principal payments. On XX/XX/XXXX, the day of my third child 's birth, i found i was locked out of managing my account. XXXX downloaded multiple " misapplication reversals '' and an " escrow advance '' transaction. As I can not login to the account I can not see what caused this. I contacted the company via phone and was informed the account was 5 months delinquent and the online account had been locked to prompt me to call in. Representative XXXX informed me that " they '' were actively working on the account and not to worry as the " lack of payment '' error had not effected my credit. She stated the accounts were not properly moved from a " holding '' account to the disbursement account. She did not know when service would be restored so i can re-enter the account and see what is happening. Today is XX/XX/XXXX, six days after i noticed the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account.
Product: Credit reporting or other personal consumer reports

Im disputing fraudulent activity with a company called uplift ( buy now pay later ) I have provided them with a police report showing the name of the person that took out a loan under my name. They replied back saying that they dont see any fraudulent activity going on, and to send them a police report with the name on it, but I already did that, they havent responded to me in more than 10 days and arent helping with the situation. They also let that person take out alone without showing proper identification. This person that took out this loan is also my twin brother and hasnt responded to me at all about the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW! 
1. XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX. XXXX 6. XXXX XXXX. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX. XXXX
Product: Checking or savings account

I went to the XXXX on XXXX XXXX for vacation without knowing someone stealing almost XXXX dollars on my chase bank account and I just found on XXXX because my live in partner check all my expenses and I went to my branch at chase bank made a complaint and disputes and waited for XXXX business days but it get denied twice I keep telling the customer service that I have no knowledge of someone stealing my money from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 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 ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Product: Mortgage

I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.
Product: Mortgage

My husband and I have been out of work during the entire pandemic. We have been on unemployment since XXXX / XX/XX/XXXX. We had made some house payments, then missed some .. got quite behind so our son assisted and gave us funds to play catch up. We paid {$4500.00} in XX/XX/XXXX towards late payments and caught up. Again, with only unemployment funds, we got behind again. We applied for Mortgage Assistance in late XX/XX/XXXX early XX/XX/XXXX and after 30 days got denied since we just had mortgage assistance in XXXX / XX/XX/XXXX. 

After being denied .. they gave us an option " Deed in Lieu '' or full payment of lapsed mortgage payments. I reached out for help and in turn was blessed with someone to help us. We got together {$17000.00} to pay for XX/XX/XXXX THRU XX/XX/XXXX mortgage payments and even had a little extra to go towards XX/XX/XXXX payment. I sent it in with the mortgage statement I had received of what was due ... Our income ratio at the time of applying was very low and couldn't be accepted. 

Almost 30 days later I got our check back in the mail with a note that stated they could not accept the payment unless it payment was " in full '' .. I was bewildered XXXX what do you mean " in full '' I paid that and then some ... So I got on the phone with Fay Servicing , LLC ( new Investor who took over our mortgage recently from XXXX XXXX Loans ) to inquire why they didn't accept our check. 

I was told that my payment wasn't " in full '' that I owed " borrowed Escrow '' if you will of {$4200.00} PLUS Attorney 's Fee 's for the beginning of Foreclosure process ( in which those fees she could NOT disclose as she didn't have them. I was told she submitted a request for them but would not get them back for ONE WEEK and would send me a copy then ... WHAT?? ONE WEEK to get an amount from an Attorney for fees that I was supposedly being charged for a Foreclosure that was supposedly in process already???? 

I asked .. can't you just take the {$17000.00} and apply it to our payments and we can then spread out the {$4200.00} ( borrowed Escrow ) over a period of time? She said NO, it's already going to the Foreclosure process. I was like " seriously '' with this pandemic causing so much heartache and grief for so many and the loss of income to so many PLUS ( my husband 's unemployment has been LOCKED up since XX/XX/XXXX .. and he is receiving NOTHING and can't get answer from anyone )! We don't have the means right now to come up with an additional {$4300.00} PLUS whatever $ $ $ the attorney decides to throw at us ( after a WEEK to decide to get it to us ) ... this is INSANE!! 

My husband may finally have an opportunity to work ( we are pending a decision ) but this is soooo soooo sad that mortgage companies are willing to SEND BACK a PAYMENT of {$17000.00} and push to foreclose on your home!!!!
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Student loan

Navient has continuously muddied the water on interest rates as well as repayment options and the interest is sky high making it impossible to stay on track and actually pay back my loans.
Product: Credit card or prepaid card

Discover card is charging me for a stay at a hotel that I never stayed at - I cancelled the hotel stay before my stay was due but the credit card company is still charging me in spite of me not even stay there! This XXXX  was in another XXXX - I XXXX XXXX XXXX XXXX XXXX  The hotel was non responsive when asking questions so I had no way to confirm the company would pick me up from the airport in XXXX XXXX. I cancelled the stay due to me not feeling comfortable and poor service- my credit card company is allowing this charge to remain on my account even thought I never stayed here and received poor service from the hotel.
Product: Student loan

I have been having issued getting Navient to comply with documenting me on information they are reporting to Credit reporting Agencies under my file. information is reporting in duplicate and triplicate, reflecting accounting practices which I find discerning. I have fought them so that they accurately report paid accounts and document amount 's owed. The amounts have fluctuated wildly and the company insists documentation was provided to the CRA 's ( XXXX, XXXX and XXXX ) but has yet to actually investigate and copy me as to the matter. 

I have paid accounts and have tried to deal with the company to no avail. The university I attended is defunct. 

I need assistance in the matter.
Product: Money transfer, virtual currency, or money service

Hello, At the beginning of XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX ) started another order of equipment with their long-term supplier, XXXX, XXXX. In the beginning, everything was going smoothly as XXXX XXXX reached out to their usual contact at XXXX ( XXXX ) and settled all the details. Around the time of signing a contract, on XX/XX/2021, XXXX XXXX received an email from XXXX ( XXXX ) containing a contract, and the email said that the company got a new account number for the money transfer. Below is the information for the new account : SANTANDER BANK Account name : XXXX XXXX XXXX Account no : XXXX Routing no : XXXX Account officer address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank address : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX : XXXX During the process of signing the contract, an employee of XXXX XXXX even replied to the email with some technical questions regarding the equipment, which the email answered correctly. On XX/XX/2021, XXXX XXXX paid USD {$100000.00} to the following bank account : SANTANDER BANK Account name : XXXX, XXXX Account XXXX Routing XXXX Account officer address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Virginia XXXX Bank addressXXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX : XXXX An employee of XXXX XXXX accidentally used the usual address for their transaction with XXXX but used the new account number provided by the email. 

After the payment on XX/XX/2021, XXXX XXXX continued to receive emails from the following addresses ( XXXX, XXXX, XXXX ) saying that they didn't receive the payment. On XX/XX/XXXX, they asked XXXX XXXX to send money to this new account instead : Bank Name : Santander bank Beneficiary Name : XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Employees at XXXX XXXX then became suspicious and called a representative at XXXX, who said that they didn't change their bank account and hadn't received any recent emails from XXXX XXXX XXXX After this, employees at XXXX XXXX believe that someone has been hijacking the emails and contacted the bank to cancel the transfer. To transfer the money to the XXXX, XXXX XXXX had to go through their bank XXXX XXXX XXXX ), which then transferred the money to XXXX in XXXX then to the account under Santander bank. XXXX bank started to contact XXXX and Santander on XX/XX/XXXX to cancel the transfer and get the money back. 

Throughout XX/XX/XXXX, XXXX XXXX continued to receive emails claiming to be XXXX asking for the transfer but has stopped replying to them. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX had a lawyer in XXXX contact Santander bank to get the money back. Around the end of XXXX, Santander bank requested a notice to say that they are not responsible and stopped replying after that. 

Please let me know if you need any documents as XXXX XXXX has asked me to file this complaint for them in the US since they can't file for this directly from XXXX. 

Thank you!
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
Accounts According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$XXXX0} XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian and Equifax credit agencies have using faulty software that does not comply with the FCRA requirements and standards even free the fact that I submitted additional supporting documentation that information that they were reporting was fraudulent and incorrect