23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'm an international traveler who open checking accounts numbers internationally I was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas around XXXX to XXXX. 
I open department store credit cards account in the state of Texas. 
All credits cards are recorded on a database drivers license XXXX. Texas driver license number XXXX. 
Expire date XX/XX/XXXX. 
I lost my credit cards in the state of Texas. 
XXXX. The balance is {$500.00} XXXX used.
Product: Student loan

My student loan servicer is Mohela. I made a payment of {$2000.00} on XX/XX/year> to a Parent Plus Loan I took out on my son 's behalf. I have a copy of my Financial Activity Summary that I downloaded from the Mohela website that shows this payment was applied properly to this loan. However, before my loans were transferred to the new Mohela servicer website, that payment was reallocated across all my other loans without my permission ( I have six other federal student loans ). I did not request this. The only request I made was to remove my paid-ahead status from the Parent Plus Loan. This {$2000.00} was specifically earmarked for my Parent Plus Loan - some of the money came from other family members. I've asked Mohela on six separate occasions to fix this, but keep getting emails that they would but nothing happens. I would like this payment reallocation reversed and the {$2000.00} applied to the Parent Plus Loan ( as it was originally ).
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, COMENTIY BANK/JARED, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission.

However, I have not provided COMENTIY BANK/JARED or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by COMENTIY BANK/JARED.

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Product: Debt collection

I am not liable for this debt due to XXXX Statue of limitation of 4 years from the date of last known payment and they are still harassing me. 

How do I get them to stop and erase thus form my credit history! 
Thank you so much!
Product: Debt collection

I have several accounts listed on my credit report that were not opened or authorized by me and are a result of identity theft. I have mailed out dispute letters followed by an FTC report, reporting this matter on XX/XX/year>. 
Companies have failed to provide me with real proof of ownership of this debt, or proof of an authorized signature allowing these companies to sell my information to a debt collector ( 3rd party company ).
Product: Debt collection

Attempted to communicate with Amsher Collections when the individual on the other line start to get hostile because I would not provide payment. I asked the individual to send an email with payment information, but he refused. He then started getting hostile asking for banking information ( repeated ) and how I would pay for the medical debt. I hung up after this because he would not work with me. I told him I could not setup a biweekly or weekly plan because of my financial situation. I have been providing small payments each month making an attempt to pay this off, but neither the hospital or Amsher would work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filed bankruptcy twice. All my accounts were included in my bankrupctcy and closed out with a XXXX  balance. When I initiated a dispute with t he credit bureaus they responded and added all the loans back on my report with a deferred status. which brought my score all the way down. they changed the balances and kept the same date opened dates. by law this is illegal. i have tried to resolve this issue by just disputing the accounts but they they keep reporting as the accounts are accurate and opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX  and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX  when I call XXXX they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

3 months ago I requested and received my credit report. 

There was a negitive report that i did not recognize from LVNV Funding.

I contacted LVNV Funding requesting VERIFICATION by signature, according to the FDCA, and requesting them to notify the credit reporting agencies that the claim is disputed.

Instead of providing me with the verification as requested they sent me a photo copy of a judgement against some person that has the same last name as me.

They also threatened me with garnishment and seizure of my assets without proving that I owed any thing. 

They also will not report that the claim is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors in reporting in my Equifax credit report violating reporting standards according to Metro2. I sent a letter to Equifax over 30 days ago on XX/XX/2022 and have not received any reply or any action taken on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX has been notified as of XXXX that this account information was inaccurate. I have requested that an investigation on the account and that the details be updated accurately. No information has been provided during that time to show that an investigation has been completed.
Product: Debt collection

I saw this on my report after making an account to see my credit report. I filed bankruptcy XXXX yrs ago. Just recently got a credit card and saw I have something from a company called XXXX. I should not have any debt I am trying to start over after my bankruptcy I have XXXX XXXX XXXX  card only. Nothing else should be active on my credit report I should have no debt other then XXXX XXXX limit credit card.
Product: Mortgage

I was charged Private Mortgage Insurance ( PMI ) for 112 months even though my Loan to Value ( LTV ) was less than % 80 at the time of purchase ; which means I had already reached the required minimum so PMI should of never been charged. I purchased the property XX/XX/XXXX and the PMI ended on XX/XX/XXXX. The monthly PMI was {$160.00} and the interest rate was % XXXX. I sent multiple letters over the past decade asking the bank to remove the PMI and was denied. I am attaching proof of the value of the home at time of purchase, PMI denial letters, promissary note ( amount borowered ) and statements showing PMI charges. The amount borrowed was {$410000.00} and the value was {$540000.00} at the time of purchase. I have uploaded multiple attachments but not all seemed to have been added. Please let me know if additional information is needed.
Product: Debt collection

In XX/XX/XXXX, I filed for bankruptcy, and BMG was one of the creditors listed with an outstanding amount of {$6600.00}. Fast forward to XX/XX/XXXX, when I tried to refinance my mortgage, I was informed that BMG still had the account marked as in collections. This persistent problem involves the company reporting my account as in collections, even though it had been discharged.
Product: Checking or savings account

The bankcapital onefroze every penny in my account including my direct deposit from paycheck and my child support leaving me with no access to any money inc, using freezing my childrens account. This is the result of a court order from a creditor, I completed and faxed the exemption firm and called the creditor who gave me until XXXX to make a payment though the debt is not completely legitimate. The creditor also informed me that it is not legal for capital one to freeze all of the funds in my account and the first. XXXX were exempt. Despite several attempts to contact capital one to explain this law, they wanted a release from the creditor to release the freeze and denied me of fairness under the XXXX. I have no money to survive and they left me access to XXXX fund as well as my XXXX children as they froze their accounts while XXXX are in XXXX Capital one refused to acknowledge this that even the collector says they needed to follow this law but its not their place to tell them. The debt is old and disputable as I continued to pay on it for longer than after sent to collections. 
They put my livelihood in immediate jeopardy as my rent is due. I have a minor with me in my home whom child support is frozen. This is exempt in addition to the first XXXX in my account as all accounts combined do not amount to XXXX! I have a water bill due and no access to food, gas, I need to pay me water bill and they have taken my every cent. This should not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Account at XXXX  ( Gemini Trust ) was funded {$500.00} by ACH transfer. Nothing can be done until account is verified which has not happened in TEN days. No way to contact company other than email which is non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021, I called AmeriSave mortgage corporation and spoke with XXXX XXXX Loan Originator NMLS ID # XXXX to inquire about the streamline refinance mortgage process, which is a non-credit check loan. 
Well XXXX was talking to me about my father and talking about his parents passing away He asked me for my social security number. I assumed it was just part of a form that he was completing so that he could give me some information. At this point he had not given me any information at all about their company or loan options. XXXX XXXX checked my credit without my consent. Shortly after I gave My social security number, I said " did you just check my credit '' " without my consent '' XXXX XXXX said " yes ''. He kept apologizing for not asking for my permission to check my credit. I did not consent for him to check my credit and now this is going to impact my credit score. This is terrible and I'm not sure what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX XXXX XXXX XXXX XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported XXXX XXXX XXXX XXXX  Late reporting XXXX XXXX XXXX that is inaccurate information Date of Last Payment : XXXX XXXX XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts.

They are being listed as follows : Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} Acct # XXXX XXXXXXXX XXXX XXXX Balance : {$9900.00} collections accounts listed below due to identity Theft : syncb/paypal, acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries listed below : XX/XX/year> XXXX XXXX XXXX XXXX XXXX 

Address never lived no knowledge of : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Vehicle loan or lease

This is my second complaint regarding Global Lending, I have not received a fair closure from the first complaint of not being credited for payments and being overcharged with excessive fees. Now Global Lending is claiming that I owe for the month of XX/XX/2022, I clearly have receipts for payments in XXXX and XXXX. Global Lending stated a bank gave me a chargeback, which is clearly an outright lie, they refuse to give me the name of the institution. I explained to Global Lending it was my right to know the institution however they refused to give me the information yet continued to bill me for XX/XX/2022 and I have receipts from monies deducted as proof of that payment. I have a letter from the institution of the disputed charge, proof that funds were never deducted from global lending.
Product: Bank account or service

TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago.