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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights 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 1681s -2 ( A ) ( 1 ) States that 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.15 U.S.C. 1681c ( A ) ( 5 ) 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 antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number-XXXX XXXX XXXX-Account number-XXXX XXXX XXXX-Account number-XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, Section 602, which affirms my right to privacy.

Furthermore, under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), the creditor has misused my personal information without proper authorization. Additionally, 15 U.S.C. 1666b clearly states that a creditor may not treat a payment as late if it was made on time and in compliance with the terms of the agreement.
Product: Credit card or prepaid card

The current balance doesnt match the charges. I might be getting charged double at the gas station.
Product: Credit reporting, credit repair services, or other personal consumer reports

notice, consumer report was pulled while I have a suit in litigation against credit control. call the number listed in the report no one answers the phone and left message to call me back but no one called back.
Product: Credit reporting or other personal consumer reports

I have tried for the past 4 months to update my credit report. 
My personal information is wrong. 
I sent my utility bill, a copy of my social security card, and a copy of my driver 's license. 
This is my information XXXX XXXX XXXX XXXX XXXX 
XXXX KY XXXX XXXX XXXX. 

I have never lived on XXXX XXXX. 
I have never lived on XXXX XXXX XXXX. It was a business.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 disputed the student loan account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX bright money the company took a fee of XXXX dollars from my checking account. I did not authorize this transaction
Product: Student loan

My loan is with Nelnet and XXXX owns the note. I make my payments to Nelnet. I have been paying the loans for over 20 years since graduating from college in XXXX. I did have a couple deferrals and struggled to make timely payments when our daughter was XXXX and the high medical expenses we incurred XXXX. Over the last 10 years have made consistent payments and nothing is going to principle but all interest. My original amount principle amount was {$39.00}, XXXX and my current balance is {$63000.00}. My current Nelnet statement shows : Total principle paid through XXXX/XXXX/XXXX ; {$26000.00}, total interest paid through XXXX/XXXX/XXXX ; {$25000.00}, Total amount paid through XXXX/XXXX/XXXX ; {$52000.00}. This does not add up and I continuously ask for assistance in researching my loan and why my statements continue to show " XXXX '' to principle and my entire payment of over {$600.00} goes to interest only. I am frustrated and want to make due on my student loans and feel I have with the amounts I have paid. I am being taking advantage by this unlawful practice. Can you please help me investigate so I can get some resolution on how this is possible or legal to do to any consumer?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. 

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}
Product: Mortgage

Hello, In XX/XX/XXXX I received an XXXX XXXX XXXX. 
In XX/XX/XXXX I did not receive an XXXX XXXX XXXX. 
In XX/XX/XXXX I received an XXXX XXXX XXXX. 

On the XX/XX/XXXX XXXX XXXX, it showed that there was an overage of XXXX. The letter said I was going to receive a check for the overage. 

After several months and a couple of calls US Bank said they would look into it. Never received a letter of explanation or check for the overage. 

I forgot about it and assumed it was still in XXXX. 

On the XX/XX/XXXX Escrow Statement, ( I did not receive a Statement for XX/XX/XXXX ), and thru email I received a video that I owed XXXX for a shortage in Escrow. 

I called US Bank and talked to XXXX ID XXXX, XXXX ID XXXX, and XXXX ID XXXX in customer service, then also to a XXXX in the XXXX Department who said we don't give out ID numbers. All of them repeated what the letter XXXX said, and I asked to talk to the tax department to see if they paid the property tax. 

When I talked to XXXX ID XXXX after I found the XX/XX/XXXX statement and she looked it up to verify that it said I had the XXXX in Escrow and that I never got a check, she then escalated to some department and said she will call me back on the XXXX of XXXX. I ask to see if they would mail me something and she said no, it has to be handled over the phone. 

None of the promises to call back have occurred. It is now XX/XX/XXXX and the countdown to change and charge me an additional XXXX happens in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only have XXXX XXXX card that I began using in XX/XX/2020. My monthly payments from XXXX to XXXX were paid on time and in full for each month In accordance to TransUnion, my credit score went down 5 points. I have been making my payments on time for each month. As of XX/XX/2020, I had a {$0.00} balance. I owed {$63.00} for the month of XXXX. On XX/XX/2020, I paid the complete balance of {$63.00}. 

Why did my credit scores go down 5 points?
Product: Checking or savings account

A claim was filed in the amount of XXXX to Wells Fargo XXXX XXXX in late XXXX. initially some of the transactions that were involved in the file were from XX/XX/year> and did not align with the first fraudulent transactions that were made XXXX XX/XX/year> in the same locations in the same amounts from the same gas station and city. This mistake was made due to a fraud investigator lumping together all the XXXX transactions rather than just XXXX transactions that were in that same city and same time frame. The other transactions were not thoroughly investigated and were taken into the file which caused the range of time to be longer than the policy of 60 days that is the expected limit of time to take action if there is fraudulent charges that can be credited back for. The claim was denied, closed, and I was not credited for the amount disputed. I called back XXXX separate times to get a report of the claim and reopen the investigation due to an error in filing the corrected transactions that should have been disputed, and was unable to get the fraud department to send that over.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XX/XX/XXXX XXXX  XXXX Balance : {$23000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1800.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( experian ) XXXX XXXX XXXX Account Number XXXX. ( experian, XXXX ) XXXX XXXX XXXX Account Number XXXX ( experian ) XXXX XXXX XXXX Account Number XXXX
Product: Student loan

I have asked Navient multiple times due to my situation I ca n't physically afford to even pay my own bills let alone having child support being paid out repaying on my school loans I 've asked multiple times can we do something to have no more than {$100.00} a month I understand I have to pay it back I am understanding that it needs a certain amount but when I can not physically afford to even pay my own bills it 's very difficult to add another let 's say {$250.00} being paid out on muonth. I need help I need a really low payment and direction XXXX wo n't lower it even more I understand there 's certain guidelines but when the bar is on able to pay and physically not able to pay this amount due to hardships it makes it hard to be able to pay everything that the borrower wants to pay on.
Product: Debt collection

CAPIO PARTNERS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CAPIO PARTNERS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are.

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me.

CAPIO PARTNERS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CAPIO PARTNERS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CAPIO PARTNERS fails to respond to my verification letter by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims they have documents validating debt owed. They have not submitted any documentation to me validating any debt. I never signed a contract with XXXX XXXX I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX  permission which is another violation. TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX USC 1692b states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX  stating that owe a debt to them but it is not valid. My complaint is also with three bureaus TransUnion, XXXX and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give TransUnion, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Credit reporting or other personal consumer reports

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

[ Identify item ( XXXX ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ) US DEPT OF ED XXXX XXXX account # XXXX {$4500.00} XXXX XX/XX/XXXX XXXX DEPT OF ED XXXX XXXX account # XXXX {$1600.00} opened XX/XX/XXXX US DEPT OF ED XXXX XXXX account # XXXX {$5800.00} XX/XX/XXXX UPDATE PAYMENT HISTORY TO CORRECT STATUS paid in full without any late payments 15 USC subsection 1666b TIMING OF PAYMENTS if you are unable to do that Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item on my report that was not mine. I asked to get the original loan document showing my signature to verify it was me and account was mine. They did not provide this information and continued to report it on my credit file.
Product: Credit card or prepaid card

I had purchased a visa gift card from XXXX store ( grocery store ). the card is issued by XXXX and distributed and serviced by Incomm Financial services. 

I purchased a vanilla visa gift card from XXXX on XX/XX/2022. On opening the gift card, I found that it has been tampered with and the magnetic stripe was not working. I called Incomm at phone # XXXX XXXX and reported this issue. 

They opened an internal case # XXXX. They initially told me that a replacement card will be sent to me in 7-10 business days. 

I have also emailed them the documents they asked for on XX/XX/2022. I sent the same docs on XX/XX/2022 as well. 

I had called Incomm multiple times since XX/XX/2022 and every time they tell me that their internal team needs to review the case and a replacement card will be sent. In spite of multiple follow-ups, they still haven't send me a replacement card. Please help me.
Product: Checking or savings account

On XX/XX/2019 I noticed 4 transaction on line that did not belong to me. I called Chase and spoke to the fraud dept. but because they where in a pending status which meant they had just happened they couldn't help me so I then went to the bank in XXXX CA spoke to Mr XXXX the Branch Manger and he called and reviewed the file all they could tell me is that I was in Wisconsin at the teller doing the fraud. Which there is no way because I was standing in front of the branch manager in XXXX CA after I saw the fraud online and I reported it to the 800 # and then drove to the bank. So after the transaction went through on Friday at XXXX I recalled the claims dept explained the whole story started the claim for all the fraud. Took about 45minutes on the phone they did not give claim # and they were rude. So to protect myself and get the claim rolling I drove back to the XXXX Chase branch Friday the XXXX to take care of everything in person. Someone wrote a check to me for {$3900.00} they tried to do a withdrawl slip and have the teller only deposit the {$950.00} Check wasnt even signed on the front from the person who wrote it they had no proper ID and check was clearly fraudlent they forged my signature and then the teller let them do 3 separte withdrawals for {$4100.00}. they said account would be frozen but they keep taking money out and on the new account Chase keeps taking the orig fraudlent tranactions out of the new Account so as of today my business is down over {$10000.00}. I have spoken to claims and Fraud and XXXX Branch since XX/XX/2019. No one can answer any of these questions. they are taking deposits and doing them as withdarwals and then just taking withdrawals out that make rhyme or reasons to them and not one person can help. I've tried to escalte call and at the branch to speak to like a district manager but nothing. 
Chase is too big of a bank to be allowed to behavior in unethical manner.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
Product: Debt collection

The company Midland Credit Management has been Harassing me and are trying to destroy my character by reporting inaccurate information to major credit bureaus for a debt they didnt provide validation for. I sent by certified mail a request for validation, a cease and desist letter which they ignored which is a violation of 15usc 1692c and a {$3000.00} invoice for the violations the have committed. My certified mail was sent on XX/XX/21 and received on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on which a fradulent collection was added to my credit report by XXXX XXXX for {$650.00}. Upon filing an identity theft report and going through the proper authorities, this has since then been removed from XXXX and XXXX  report for almost a year now. Equifax still refuses to remove this information and is single handedly ruining my credit as well as many life opportunies due to my credit. 

Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Because of your refusal to do so, I have filed a report with the CFPB, FTC, and my local XXXX. I expect this issue to be resolved, or I will not hesitate legal action through my attorney general 's office as well as a specialized law firm. 

Please respond and resolve my complaint as soon as possible, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed Experian XXXX documents that includes, inaccuracy reporting 's, undeliverable addresses list, and a copy of my identification & utility bill to verify my identity. These documents were sent through certified mail. It is now XX/XX/XXXX I have not receive any updated credit report from Experian. In fact they have not responded at all. It is well over the required 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.