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

on XX/XX/XXXX i was a victim of a data breach involving XXXX. then agian in XX/XX/XXXX with XXXX XXXX   and equifax..letters, police reports and ftc idenity theft affidavits were submitted to all three major credit reporting agency.on XX/XX/XXXX. i recieved an update from XXXX showing the removable ( deletion ) of the fraudulent accounts, report number XXXX-XXXX-XXXX from XXXX. in XX/XX/XXXX equifax and XXXX placed the accounts back on my report dropping my credit score from XXXX to XXXX without authorization.this is a clear violation under the laws of the frca section 605 ... blocked information accompanied by a police report can not be re posted.agian the CRA failed to send me any verification from the furnishers.this is a violation according to title 15 u.s.c section 1692 ( b ) of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about ANY DEBT, 1.they must have a post judgment from a court of competent jurisdiction, or 2. prior consent from the consumer giving express consent rto a court of competent jurisdiction.this is a violation of the New York General business law sect.349- DECEPTIVE TRADE ACTS, section, 380s- identity theft, title 18 u.s.c 1028.also Title 15 U.S.C. 1632- Form of disclosure ( 2 ) Creditor to provide contracts to the bureau, as defined under title 18 U.S.C. section 1030- Access. the reporting agency did not follow laws under title 15 U.S.c. 1681s-2 ( a ) -Duty of Furnishers of information to provide Accurate Information.
Product: Debt collection

I found out about the debt when trying to refinance a mortgage. LVN Funding LLC was on my credit report the debt {$400.00} XXXX XXXX XXXX on XX/XX/18 an old account that had been settled. I attempted to contact LVN funding to discuss the debt noting had been settled and was told this could not be removed from my credit report.
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please take a good look at the following items reporting on my Crediet File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit reporting Act section 605b, you are required by Federal law to remove and block any accounts and information that resulted due to to identity theft. So please do so.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$1400.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX Balance {$29000.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$200.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Resurgent Capital Services sent me a letter stating that I owed them XXXX. I sent them a response letter stating that I am giving them formal notice that I am disputing the fact that I am obligated to pay them and I wanted to know how they verified the debt. 
On XX/XX/XXXX they sent me a follow up letter stating that I still owed them XXXX and the debt was verified by a printout. I again sent them a formal notice stating that I want to know how you verified the debt, who are the names of the people who verified the debt, their direct contact information on their Fair Debt validation policy. As of today they have failed to do so and I've been in court on three separate occasions including today for this matter.
Product: Mortgage

We got a home improvement loan for {$12000.00} from Amerifirst XXXX. We have paid, to date {$13000.00} on this loan. We have filed bankruptcy, and Amerifirst forced me to sign a " Reaffirmation " of the original loan claiming we still owe {$9500.00}. This loan STARTED in arrears, and the reaffirmation places us even further in arrears. They have repeatedly used the threat of foreclosure on our home as a club to end all discussion or negotiation between parties. There were things not disclosed about this loan, such as the lien against our home and the total payoff of twice the amount of the original loan. All the original documentation was done in our home by the XXXX salesman, and XXXX has since gone out of business and reappeared XXXX. We feel like we were defrauded from the start, and have been financially abused since. These companies are in collusion to use predatory loans to assault consumers. Amerifirst has XXXX complaints with the XXXX Report, and they need to be held accountable for their ethically vile practices and pressures.
Product: Credit card

I applied for credit from XXXX XXXX  and they told me I needed a cosigner After XXXX different cosigner they approved XXXX XXXX. They had me fill out the business portion and emailed her a portion to fill out.once approved the card came to my business. When I tried to contact truist. They told me that XXXX XXXX was not a cosigner but the principle owner of the card and account I can not access the account and XXXX XXXX.is trying to make me pay a XXXX percent fee or XXXX pay a fee for their service. The credit should not have been proved because XXXX does not own any portion of XXXX XXXXXXXX XXXX has called on weekends cursing and threatening that if their XXXX percent is not paid they will place the account in collections in XXXX XXXX and XXXX XXXX. Truist bank violated its fiduciary duty to make sure companies submit proper paper work when securing a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ).

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. Ibid.

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). Ibid. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
Product: Student loan

I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.
Product: Credit card or prepaid card

I filed bankruptcy XX/XX/XXXX. I was an authorized user on this credit card ( Navy Federal Credit Union ). My husbands credit report shows this account is included in the bankruptcy but on my XXXX   credit report it is showing this account as being currently late and with the remarks : Bad debt & placed for collection & skip. I disputed this incorrect information in XX/XX/XXXX and the beginning of XX/XX/XXXX. It has still not be removed from my credit report.
Product: Mortgage

On XX/XX/XXXX I started a process to remove PMI form my home loan. I filled out the lender forms and paid a fee of {$100.00}, the XXXX was completed in less than one week with a new value of roughly $ XXXX. That amount is more than enough to remove the MI. After chasing the Bank/Lender for almost 3 weeks I just paid my XX/XX/2002 with PMI included. The lender had more than ample time to remove it and they never respond to any of my emails.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX are still listed under my personal information.
Product: Money transfer, virtual currency, or money service

I was sending XXXX to an military person of high ranks! This person was named on letter of my receipt and was supposed to receive it well when to pick it up and said received! But it was in the wrong hands! This was a crime and should be punished! Stealing funds from military personnel!! and using there name! this is money I had to go to extreme lengths to get Im on a Fixed income and this was emergency money needed for the person!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information are inaccurate on my credit report. 

XXXX  XXXX  XXXX XXXX XX/XX/XXXX AMT. {$7200.00} - DOES NOT BELONG TO ME XXXX/XXXX OPEN XX/XX/XXXX AMT. {$500.00} -DOES NOT BELONG TO ME XXXX  XXXX  XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX  XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX AMT {$660.00} -DOES NOT BELONG TO ME XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX AMT. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the phone with Equifax and a rep on XX/XX/XXXX asking about an account that popped up that's over XXXX XXXX XXXX it's XXXX XXXX. I asked what's the full name in the report the rep who is XXXX and XXXX : XXXX at XXXX stated she doesn't have that information. I asked what was the address on the account she stated she doesn't have that information i said well they had to send something to validate it's me. I asked how is an account open after 14 years I graduated XXXX in XXXX this account was open in XXXX I didn't have a job or a bank account for that matter. She said it takes 7 years after it's delinquent to be removed. I said well if I never made the account and never paid it should've been delinquent over 10 years ago. She said it was delinquent in XXXX and it has been updated to my credit after 14 yrs and and I told her if it's delinquent and only owed XXXX in XXXX somebody was paying it for XXXX and that ain't me. The address and full government name on documentation ain't mine nor is the bank account that's paying it because I do not have a XXXX account especially from XXXX. I feel like something fraud is going on. The fact it's been 14 years and just went delinquent and I've never made a payment is outrageous. Representatives always give me information but this lady would not because the facts would show that it's not my full name nor is it an address of mine or bank account that's linked to me. My credit score dropped twice dramatically for this and another reason that's not even showing up. No actual reason just dropped XXXX more points recently I think something strange is happening in Equifax I need your help with this matter.
Product: Checking or savings account

I have a Virtual Wallet account through PNC Bank. When I opened this account years ago one of the perks of the account was that ATM service fees would be reimbursed up to a certain amount. 

Sometime in the past year they changed the conditions of the Virtual Wallet account. Now they not only do not reimburse service fees but actually charge an additional fee on top of the ATM fee. When I inquired to a representative why this had changed, they were only able to tell me that they included a notification on a statement in XXXX of XXXX. They did not provide reasons for the service change nor for charging the additional fee. 

Compounding the issue is that at my local PNC branch ( XXXX XXXX XXXX XXXX, Washington , DC XXXX ) the ATMs are constantly in a state of disrepair and are not accessible after business hours. They've created a situation where you have to use non-PNC ATMs to withdraw cash and then make a profit off the inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

Factual Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that XXXX did not report this to you but XXXX did there is a not a court in the country that verifies the stats of a Judgment. I called the XXXX court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka XXXX the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my Wells Fargo DealerXX/XX/XXXX account with a balance. It is paid in full. They also show no data of payments made XXXX through XX/XX/2020. Prior to my dispute with XXXX it shows my payment history I made monthly payments through the no data they reported now. Ive made my monthly payments and paid account off early.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX   XXXX  XXXX {$4000.00} XXXX XXXX {$630.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} DPT EDXXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, Transunion, and XXXX disputing accounts listed on my report not belonging to me. The dispute letter was received on XX/XX/year> by XXXX, Transunion, and XXXX. I have not received a response from XXXX, Transunion, and XXXX as of today. According to the Fair Credit Reporting Act the credit bureaus have 30 days to investigate and respond to a dispute. We are now over the 30 day time period, the inaccuracies should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of XXXX and back to back XXXX  that were life threatening, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX  XXXX  ( XXXX XXXX XXXX MD ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$210.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received a loan from Best Egg Loan that same month I filed a XXXX  XXXX bankruptcy & included them in the bankruptcy as well as provided them verifiable documentation from my attorneys office informing them that they had been included in the regular bankruptcy and amended bankruptcy ( XX/XX/year> ). Best Egg did not not honor the documentation that had been submitted via email. Every time I contact them they've given me the run around and refuse to update the credit bureau 's of the status of my account. They have my account listed as delinquent 90 days when it should be charged off included in XXXX  XXXX bankruptcy. They are the ONLY company that has given me a hard time.