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

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , The companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Student loan

For the longest time I believed I was dealing with XXXX XXXX for student loans. A few months back I received a call about a lawsuit against naviant concerning the loans. I ignored it thinking I had XXXX XXXX. Last month I started to repeatedly get emails from naviant about being behind on my loan payments. First time hearing about this and first time finding out they held my student loans. I went to the site and looked up my account, there is a late fee of over 400 $ that was applied and when I try to change the loans or defer it I get sent to another site where I have to make another account. As I look at the statement I'm seeing charges, multiple charges, that were all listed with the same day. Almost XXXX XXXX  $ or more charges a piece on the same day. And that day hasn't even occurred yet. It says XX/XX/2018. Which is even more confusing. So I looked up about this lawsuit with the company and it stated to make a complaint if I see or have an issue and from what I'm seeing, something isn't right and I need it deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.19 years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with XXXX Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXXI want all to remove this merchant from my credit report because I have the letter where XXXX XXXX denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX & XXXX data breach and by law XXXX & XXXX needs to be deleted & erased due to fraudulent reasons and I made a report to FTC also and I need this deleted Asap from my credit report Because every other credit bureau has already deleted them.
Product: Credit reporting or other personal consumer reports

My information is being sold on the XXXX XXXX so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again XXXX. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( transunion, XXXX, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

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

on XX/XX/18 I called chase bank, XXXX XXXX, and XXXX XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time  forgiveness. chase said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX   said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like chase completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX  did close the account but I am still seeing those late payments. XXXX XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those XXXX mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on  my chase payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. Also, I asked for you to stop contacting me through phone calIs, and I have still gotten constant calls. I request that the following account be promptly removed immediately off of my credit for LVNV Funding LLC for {$830.00}.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1600.00} opened up fraudulently on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my DEPTEDXXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a Bank of America credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreement number : My XXXX  account is reporting a inaccurate balance. My principal balance is XXXX. My credit report with experian, XXXX or XXXX does not reflect this balance. My statement will be included with this letter XXXX XXXX XXXX XXXX. ending in XXXX My XXXX XXXX XXXX card has not been updated by XXXX bank since XXXX XXXX with the credit reporting Agencies due to a system update that went bad. My current balance is {$0.00}. My statement will be included with this letter.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in XXXXXXXX XXXX XXXX. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. XXXX should know better and has done nothing to remove them when requested several times.
Product: Debt collection

I am the living man, executor, beneficiary of these accounts and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well..

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions and the problem is not being addressed.

I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts Or give my permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.
Product: Checking or savings account

Open up account XX/XX/year> and I was told to deposit five dollars so it kind of messed up my account and it messed up my credit as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and equifax and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Product: Vehicle loan or lease

Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. 

Need help here pleade. Are several complaints on finance company deceptive practices but no resolve
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized access to my XXXX XXXX records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including XXXX  loan details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of FERPA. 

Under FERPA, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my XXXX loan data under the XXXX XXXX have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported XXXX loan data. 

Please provide a written response detailing your findings and next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX
Product: Bank account or service

XXXX 2014 someone took money from my bank account at Wells Fargo. It took a year, but I finally found out that my granddaughter had done it. If I had known my granddaughter had done it I would n't have filed the report. I called Wells Fargo and told them not to prosecute my granddaughter that I would pay the fees from my checking account, but now they wo n't listen. My granddaughter then had a XXXX from the stress and still has court on the XXXX of this month. 
Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.
Product: Credit card or prepaid card

On XX/XX/ XXXX  I contacted US Bank Reliacard to update my address and have my unemployment card resent. The address that they had on file was the hotel that my family and I were staying at due to displacement. The representative informed me that my account was flagged ( by whom? ) and that I had to verify my identity via their website before they could issue an address update and new card. I did as I was advised and called back on XX/XX/2022. This representative advised that they couldnt update my address because NC XXXX had to it. I informed her of the last reps advise and asked to speak with a supervisor. XXXX was unhelpful and wouldnt pull the last call that I made on XX/XX/XXXX. I explained that my address was updated on Unemployments end but he still wouldnt help me. This bank has so many complaints about them doing this to others without authorization to do so. Now XXXX concerned that they will charge me extra fees for having funds on that card even though I never wanted to do business with them in the first place. NC XXXXXXXX XXXX wouldnt allow me to use my XXXX XXXX  account and I was forced to do business with US Bank Reliacard. Someone needs to look into these complaints and do something.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX recently retired XXXX I have been a XXXX year member of PayPal with zero issues. Recently I sold an item to a stranger for XXXX XXXX. I had never met this person. I don't have anything to do with him other than this transaction. 

I sent the item to the person and he wasn't happy. He alleged all this damage to the item that was not there when shipped. I asked him to send me photos of this damage. He never did. I told him that unless he did the sale was final. 

Next thing I know, he has reported the entire transaction as fraud. My PayPal account is frozen AND on XX/XX/XXXX PayPal cleared out my entire balance ( XXXX ) and said I owe them ( XXXX ). 

Despite multiple efforts with PayPal 's resolution center I have received no help. Calling them is useless. I get worthless " Sorry! '' and " We can't do anything about this ''. PayPal acts passive when they receive BILLIONS from these transactions. 

This guy alleges his credit card, his phone number, his email all have been hacked to do what? Steal XXXX from him? Doesn't that seem like a LOT of effort for almost nothing? Really? 

Also, see this email. He says PayPal gave them my contact information. Is that true? That seems like XXXX too. He got my email from PayPal? PayPal wont give me ANY information about this guy, but they give HIM all my contact information. 

Regardless of whether his fraud complaint is legit or not. I HAD NOTHING TO DO WITH IT. 

I have been RIPPED OFF my account balance by PayPal for something I had NOTHING to do with. I AM THE VICTIM HERE and PayPal has treated me as a criminal. They have not used their brain to ask themself how I somehow played ANY part in what went wrong here. 

I sent them copies of the emails where this guy tried to get me to refund his money. You'd think that anyone with half a brain would have realize I AM THE ONE BEING SCAMMED.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 a 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.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX all failed and voilated my consumer law rights according to the FCRA 15 usc 1681 a/b/g Congressional findings of the consumer law states my rights as a comsumer inaccurate information harming me and my family my personal information is very important to me .XXXX  XXXX # XXXX is XXXX of the company furnishing inaccurate information on my credit report, also late payments, another company is XXXX # XXXX is in voilation of my consumer law rights and i would like these items removed from my credit report. And according to my rights these violations are entitle for me to recieve {$1000.00} for each violation commited thank you for understanding the consumer