23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I noticed that several companies accessed my credit report multiple times within the same year without my consent. Additionally, there were others that I was completely unaware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

remove this XXXX Violations FCRA : XXXX T XXXX XXXX T XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX SPRING, TX XXXX APARTMENT COMPLEX XXXX KINGS XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth Select as many as apply
Product: Money transfer, virtual currency, or money service

During the month of XX/XX/year> in XXXX XXXX over XXXX transactions were made on my account or money with cycled between Cash App and Square and other forms of payment. The account was linked to a data breach as well as the XXXX XXXX XXXX breach and XXXX breach where my information was leaked and permanent information was compromised During this time my Cash app that was link to the Square account with used to withdraw hundreds of dollars ending in a total of {$3000.00} through the months unrecognized. I did raise awareness with Cash App about the fraudulent accounts and actions that were happening on the platform with no resolution, the accounts were closed and marked as fraud. I did not receive any reimbursement for theft losses.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account Name : XXXX XXXX XXXX Account # XXXX XXXX - Account name : XXXX XXXX Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXXXXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX  Account # XXXX XXXX - Account Name XXXX XXXX  Account # XXXX XXXX - Account Name : XXXX XXXX  Account # XXXX XXXX - Account Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account Name : XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have about {$44000.00} in federal student loans from Navient, who somehow found me a suitable debtor at the age of XXXX. This is between two loans, at 9.25 % and 9.75 % interest. At such a rate, I have a lot of difficulty making monthly payments that will actually take care of the principal, even when I am working and making a decent amount of money. The monthly payments came to about {$300.00} a month. Keep in mind, that is just the amount of private student loans ... I also have {$64000.00} in federal student loans I need to take care of. It's a long story but essentially I was ill-informed when I was taking out these loans, and I made a mistake in getting them. 
Well, back in XXXX I lost my job, but still kept making payments for two months like I was supposed to. However, in XXXX, I realized I would have trouble making future payments, and so I contacted Navient on XX/XX/XXXX. I told her that I was driving for XXXX, a XXXX-style company in  XXXX, and that I was barely making enough to afford rent, gas, and groceries. Seriously, I was hardly making anything, and could not get any help from my parents ( who owe about as much as I do ). 
And yet, when I call the woman at Navient, she raises my payments to {$310.00} a month. I'm making way less money, so she wants *more* money. Makes sense, right? 
I ask to forebear them for a month or two while I look for work, but she tells me that that would make the amount come due, and capitalize the interest. I didn't want that to happen, as it would make my situation even worse, but I couldn't even afford the XXXX payments. With absolutely zero sympathy in her voice, she asks if I want to connect a debit account. I told her yes, but I was unable to cover the XXXX payment, and might barely be able to cover it in time to be late for the XXXX payment. 
They really need to work with me on this. Either lower my interest rate to a manageable degree ( something like 3.8 %, which my car loan was ), or let me forebear them for another 30 or 60 days until I get another job. 
I need help, and Navient is simply unwilling to help me.
Product: Mortgage

I purchased my new build home back in XX/XX/XXXX. I was then qualified for the homestead and 50 % XXXX veteran partial property tax exemptions. An escrow analysis was conducted in XX/XX/XXXX by loandepot which drastically dropped my mortgage payment from around {$2000.00} to {$1400.00}. I paid this amount on time for the next year, thinking that my escrow was steadily growing all year until taxes are billed at the end of the year ( This is stated in my official closing documents.. XX/XX/XXXX comes and in a matter of 1 week my new mortgage payment has doubled to {$3000.00} a month and my escrow account is now approximately - {$8000.00}. I was Going back and forth for a month between loandepot and my tax office with no progress and not much empathy on the loandepot staff to research the unique situation. Come to find out that back in XX/XX/XXXX when my escrow analysis was completed, the loandepot tax department incorrectly entered me as a XXXX XXXX XXXX veteran ( excluded from all property taxes ) when I am only XXXX XXXX XXXX which qualifies for only a PARTIAL tax exemption. Due to this major error, I was then only projected to have a {$0.00} cent property tax bill for XXXX. This then caused NO money to be collected into my escrow all year aside from the {$65.00} a month for homeowners insurance. I was unaware of this all year and was never notified either. I feel I was scammed and now being bullied to pay back {$7200.00}! I have all the proof and documents with me to prove where the mistake happened and the issue that was caused. I recently accepted a 60 month spread to immediately lower my mortgage payment but that was before I figured out where and who made this major mistake. I feel that this was on LoanDepot 100 % and they owe me the {$7200.00} which was my original projected tax amount for XXXX BEFORE I was entered incorrectly as 100 % XXXX. I can provide all proof and documents needed at any point in time. I plan to escalate this as far as I need to in order to get the correct fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report for XXXX  is reporting Fraudulently on the account for XXXX! The account is charge off and closed and not a installment. This account is paid in full gateway financial number : XXXX refused to remove this from my consumer report. 

Also how is my XXXX SCORE low and every other Agency is reporting accurate! 

I did not receive any updates on XXXX REPORTING after removal of delinquency is on my account under the FDCPA AND FCRA FINDING
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/XXXX I submitted a request to equifax to provide information about some charge off accounts listed on my account and until this day they have yet to respond to my request to fix this. They have yet to acknowledge me request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my documents coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX
Product: Checking or savings account

On XXXX-XXXX-18 I paid {$30.00} to bank to stop payment on authorized payday loan. But on XXXX-XXXX-18 the bank paid {$200.00} to loan company anyway. The bank then refund {$200.00} back to my account. Waiting on that claim to come back the bank paid another {$120.00} + {$3.00} international transaction fee on XXXX-XXXX-18. I then went into bank to find out why paid again. Excuse given. Then Letter came in mail stating {$200.00} being returned to bank. I go into bank and official stated I needed to change bank acct number. I then asked ; if I could get my stop payment money back? Official said he could only give me back {$3.00} and it was added back into my account.
Product: Debt collection

I currently have a debt owed to Sofi Lending {$100000.00}. This company calls several times throughout the day and spoofs their phone number to look like a local number with my area code. The number that shows up on my caller ID is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but voicemails left ask me to call back on XXXX XXXX XXXX XXXX. 

Spoofing is against the Fair Debt Collections Act, as they are impersonating themselves to look like a local number in hopes that I will pick up and once they get ahold of me they can try to collect the debt owed. 

I will not pay debt that is trying to be illegally collected from me. I am not disputing the debt, I just simply will not pay a company that uses illegal tactics and multiple phone calls in a single given day to try and get ahold of me. 

I have call logs to show all the XXXX numbers they look to call from and then have voicemails that they leave stating to call the back at XXXX numbers, if this evidence is needed for this complaint.
Product: Checking or savings account

My check card information was utilized for an online purchase that we did not make or authorize on XX/XX/XXXX ( see attached XXXX invoice ). My husband reported it immediately to our bank, Wells Fargo, via phone on XX/XX/XXXX, when the charge was still pending and had not yet cleared. We did not know who or how to contact the merchant at that time. The attached information shows that our card and address were used for the purchase, but the buyer name was " XXXX XXXX '' and the email address was XXXX. The documents show that the order shipped on XX/XX/XXXX from XXXX, headed to our house ( XXXXXXXX XXXX XXXX, XXXX, TX ), despite our notifying Wells Fargo that the order was fraudulent. As the FedEx tracking info indicates, and verified by FedEx, a change in the delivery was requested by the fraudulent buyer on XX/XX/XXXX, and the package was delivered to and signed for ( see attached proof of delivery ) by XXXX XXXX at a FedEx ground location - not at our residence and not by us. We have never ordered any product from XXXX nor had any contact with the company prior to this incident. The contact at XXXX XXXX location verified to us that they have the identification of the individual who signed for the package and that it matches the name on the order, but they can only release that info to XXXX XXXX. We have filed a police report as of XX/XX/XXXX. We previously asked Wells Fargo to reopen the case and we have been denied saying that they have compelling evidence to say we were involved. We have requested this information, but told they will send it in 30 days. They have pulled the money from our account and telling us case is closed. 
The seller also confirmed that the package was delivered to FedEx ground and picked up there, not our home. We are filing this claim in hopes to get solution from our bank and covered under their no tolerance coverage as this is an unauthorized purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter to Experian requesting them to only report 1 address per FCRA 623, which I provided to them. Earlier in XXXX late XXXX my creditors updated my address to the 3 bureaus and both XXXX  and XXXX  added my new address. Experian continued reporting the wrong addresses which led to the letter which I will later attach. Experian has deliberately ignored my requests per their attached letter. FCRA 623 states that I have ONLY 1 address and 1 address should ONLY be showing and that its misleading, erroneous, and false to have multiple addresses. I also asked that they remove any employment as the one that's reported is erroneous. They are violating federal law! I will take further legal action in the form of filing a lawsuit if this is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have acopy of the original creditors documentation on file to verify that this information is mine and incorrect. In the results of there first investigation, Equifax stated in writing that they verified that the items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRAI demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Sunday, XX/XX/2022, I was trying to buy tickets for a XXXX game from someone on XXXX and it turned out to be a scam. Unfortunately for me, I did not know it was a scam until after I sent the money through XXXX using my PNC Bank account. I never got the tickets, and can no longer get the person who emailed and texted me to respond. I know it is a scam the more I have looked into it. I need someone to help me get my {$480.00} back. I contacted PNC within an hour or so of the transaction and they said to call back and dispute once the transaction had posted. It posted today so I called PNC back and they told me there is nothing they can do. Not exactly the answer I was looking for. Please let me know what I can do to try and resolve and get my money back from this scammer.
Product: Debt collection

On XX/XX/XXXXXXXX  I went on my mobile banking and was blindsided by a legal hold. So I called the bank who provided me with the phone number of facility who put the hold. 
That was all the bank could provide to me scene the account is now frozen. I call Kirschenbaum & Phillips XXXX. The person who answered the phone told me to call back because the system was not working. OK so after many times of trying to get through because they do not answer. The women informed me this debit is from XXXX. I was shocked The original creditor was not listed so at this point i had to do some research to find out what this debit was after finding who the original creditor was I informed the Lawyer there that this debit was settled in XXXX. Besides all of this i was never informed about any paperwork filed with the court. and the lawyers office only sent me a letter head with debit info. I for al these years was told this debit was settled so 20yrs later i never expected my account to be seized. So i guess my question is Is it legal to seize someone's bank account with out any notification? They told me that a letter was certified mail to my address on file? They didn't have my address until they made me verify it to get a tidbit of info for this collection. Is it legal for a 3rd person to try and collect for a 3rd time on a settled debit? Where is the adelgid paperwork that was filed? Why wasn't i informed by any motions that were happening I just want to put this on file that this law firm was unprofessional and misleading when spoke to. Total run around the women who answered told me i was only now calling because my account finally had enough money for them to take. I told her now I have never spoke or communicated with this office before I was calling bc my account was seized without me having any knowledge of any motions happening.
Product: Credit reporting or other personal consumer reports

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.

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 with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Product: Debt collection

Original Creditor : XXXX XXXX XXXX Current Owner : XXXX  XXXX XXXX  Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$440.00} Account Number : Ending in XXXX Original Creditor : XXXX XXXX Current Owner : XXXX XXXX XXXX Resurgent ID : XXXX Current Balance : {$430.00} Resurgent capital services is the debt collection company that has emailed and text me for far to long. I have even be curse at over the phone by one of there representatives when I asked for a debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter for late payments on 4 accounts with Transunion through the mail on XX/XX/22. I included copies of my license and social security card with the letter and it was sent from my local post office. Transunion sent me a letter back dated XX/XX/22 stating that they are refusing to investigate my dispute because they said that the letter did not come from me. Transunion gave no specific reason why they believe the letter was not sent by me. I called them on XX/XX/22, verified my identity and told them the letter was sent by me. I spoke to XXXX who told me that I had to dispute online or over the phone. I told him repeated that I did not want to do either. I told him I have the option to dispute by mail and expect an investigation based on my letter. He told me that he could not give me a specific reason as to why my letter was flagged as not being sent by me but still refused to investigate based on my letter. 

I believe that Transunion is simply sending a form letter to avoid investigating disputes. My dispute letter is valid. The items disputed need to be removed from my credit report.
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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

DELETE THISES INQUIRIES 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

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX