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

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Balance : {$490.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$510.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$490.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On the XXXX XXXX XXXX of this year, I entered into a payday loan with Speedy Cash for {$860.00}. I have made four payments to date, totaling {$470.00}. Today, I called Speedy Cash to find out my pay off balance. While on the phone with the customer service representative, it was discovered that my loan is an illegal loan, because I am a resident of New Jersey. Speedy Cash by law can not do business in the state of New Jersey due to their loan practices. They then proceeded to say that I fraudulently applied for the loan, and this is absolutely untrue. During the application process, you must provide your drivers licence information. I provided my correct driver 's license information with my current address in the state of New Jersey. They continue to suggest that I was fraudulent in my application. Again, this is untrue. I am requesting your assistance with respect to the resolution of this illegal loan. I offered to pay the original balance minus the payments I already mafe ; however, they denied the offer, please help.
Product: Credit reporting or other personal consumer reports

An inquiry was made by XXXX XXXX XXXX XXXXXX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX XXXX permission to look at my credit report.
Product: Credit reporting or other personal consumer reports

I have attempted to access my transunion credit report through the https : //annualcreditreport.transunion.com site for 2 years now and it has failed to load each time I attempt to access my information. This is unacceptable. I have not been provided with any other way to access the credit report. This company is fraudulently reporting I can access the information online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ). Please correct/update this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ). Please correct this inaccurate information on my credit report. 
The following account is not mine : XXXXXXXX XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ). Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my XXXX  report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
MERCANTILE ADJMNT BUR XXXX XXXX  SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX ID XXXX XXXX ON XXXX  REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XXXX  REPORT
Product: Credit reporting or other personal consumer reports

I received a notice stating that I am part of an consumer relations class action lawsuit and that I received a check. It also stated that if my address has changed since then please send a copy of my ID and new address to received a reissued check. I sent it in to the email address provided XXXX. I have yet to hear back from them. If I am actually a part of this class action lawsuit I would like to know what's going on because I provided the information. Also, I have receipts from Tempoe. This should provide proof that I am part of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to tell the truth. I started a complaint in year XXXX and XXXX XXXX did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which XXXX was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

XXXX XXXX has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that XXXX XXXX did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.
Product: Credit card or prepaid card

In XXXX, XXXX  the consumer completed an online credit application with American Express and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, American Express has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because American Express does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), American Express actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by American Express, the consumer provided XXXX ( XXXX ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. American Express sent a letter of " Adverse Action '' to the consumer stating that American Express is " unable to extend credit to the consumer at this time ''
Product: Student loan

I was a full-time student at XXXX XXXX until about XX/XX/2018. In a History of Public Health course, a faculty instructor in fact discriminated against several assignments that were completed in his course. I was graded poorly and this caused me to remove myself from the program. 

I was in a course that caused a bit of confusion by their faculty and staff concerning the discipline of online students. I believe that I was being grade unfairly and that the problem internalized errors mistaken by net neutrality. According to XXXX ( XX/XX/2018), net neutrality rules require internet providers to treat all online content the same, preventing them from favoring- or withholding - access to certain websites, services or apps ( para. 2 ). This concept frees the information in the classroom and all other matters that effects the principle to restrict any form of discrimination or interference in the treatment of content. 

I have several emails where the actions of the other party at XXXX XXXX have enforced unfair accounts and inaccurate information concerning grading, grading appeals, and netiquette ( appropriate language for online learners ). I went through a formal administrative hearing and based on their decision, I did not feel I was accurately defended in my case or adequately supported by FERPA educational rights. I withdrew from the school without any formality or well wishes from the staff on my continuation to grow and learn with their university, and basically I felt like I was dismissed from the institution. 

I have email exchanges with my instructor and all grading components which lead me to believe I was poorly being graded and discriminated against on several assignments that led up to an assignment on a specific racial population. The policy was taken from APA manuals, 6th ed. concerning the detail of anthropomorphism in writing concerning my instructor. 

I have communication exchanges with the staff concerning the actions of meeting student responsibilities and requirements to the classroom by administrative appeals. I was also sent a correspondences that shares my public records and information with the university and a debt that I need to pay back. I do not feel my rights have been fairly provided in this matter and the university is in violation or in other attempts for causing a debt. 

XXXX XXXX, XXXX ( XX/XX/2018 ). XXXX now has the 'world 's strongest ' net neutrality rules. https : XXXX
Product: Credit card or prepaid card

I have had this credit card for over 2 years now. It was originally a {$200.00} secure credit card. Citibank sent me back my {$200.00} after 6 mths, but In over 2 years they still refuse to increase my credit line with ZERO MISSED PAYMENTS AND never exceeded my credit line an ANND I have multiple accts with Shell and Home Depot that Citibank is contracted with but can not get credit line increase with Citibank card itself with credit rating of XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/24 Multiple efforts to access my account. System doesnt recognize email address with many attempts. Yet when I called the system identified that same email address and allowed me to reset password. This happened multiple times.. reset password but the when signing in my email wasnt recognized. I tried to reach a live agent via various paths, even using the number that XXXX XXXX suggested. They have extremely sensitive information and removing all customer service access is troubling. Was there a breech with this company?
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX Equifax and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong to me
Product: Mortgage

With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent XXXX or XXXX times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded with self funding but before they would agree to do that, they had us sign a Cooperation Letter basically stating that we would cooperate with them after the closing on any documentation needed. Once we closed on the property the list of requests started to increase, they wanted checking and investment account statements for post closing, asked for additional letters of verification from my XXXX account and then stated that some of the documentation I provided was screen copies versus actual statements ( which was totally inaccurate ). I resent all the documentation they asked for again while receiving emails asking for status of the outstanding data. The builder side of the equation was fantastic, they made our home buying experience great. The President of the building division called and allowed me to walk through the challenges we had. He suggested I send the information to UAMC 's President ( which I did, but have never received a call or email back ). The more I questioned their processors it seemed the more documentation they would ask for me to supply. Today I sent them the last piece of documentation I was waiting for from XXXX. I am hoping that I can now consider this chapter in our lives closed, but hope and pray that no one else goes through the nightmare that I went through. Multiple copies of the same information, being told what I sent was not really what I sent and questioning every aspect of the documentation. I could see someone losing XXXX or XXXX pieces of data, but almost everything had to be sent at minimum XXXX and more like XXXX times to them. Their phone interaction was short and abrupt, customer service was not their strong point.
Product: Credit reporting or other personal consumer reports

a secured credit card has been opened in my name with XXXX  - XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged CH-XXXX, Chapter XXXX bankruptcy discharged.
Product: Credit reporting or other personal consumer reports

I received a inquiry on my credit report from XXXXAlthough it was removed I later received a letter saying the inquiry on my credit report was accurate.The name, email address, address, phone number and social were all different from mine.The name is different but only by one letter from my previous last name that I no longer use.The email is different by XXXX letters but I am receiving statements for a credit card I don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to Experian, XXXX, and XXXX. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.
Product: Mortgage

We bought a home in XXXX and the loan was provided by Flagstar Bank. Since then, a pattern has emerged whereby we receive an annual " Escrow Analysis '' which, for the last two years, they have claimed an " escrow shortage ''. The shortage this year, is more than double what it was the first year. They claim it is due to property tax increases, however, we checked with our county tax assessor 's office and nothing has been sent to Flagstar regarding property taxes, hence, Flagstar would have no knowledge of any upcoming tax changes. When we call Flagstar, we're given some complicated explanations that still do not explain why we're having to give them money for a shortfall. 

If there is indeed a shortfall, then they obviously do not know how to cover an account adequately. Consumers should not have to worry about receiving a bill each year that they may not be able to pay, and therefore lose their home because of that inability to pay. 

In more than 30 years of having a mortgage, we have not encountered this situation with any other lender we've been involved with. We've read other consumer accounts of this same situation with Flagstar Bank on complaint websites, so we know it's not just us. Something with this bank is obviously wrong.
Product: Debt collection

This debt collector has used inappropriate tactics in order to collect a debt and has withheld information regarding my debt. I have asked repeatedly for more information and they seem to not want to give out more information regarding what arrangements I can make, nor make reasonable payment arrangements. As well as, their is n't a way to make a payment online, which while forces me to call and make a payment, while sustaining the abuse.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4  ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/18 I called XXXX to have my student loans reinstated ( they were paid off during the interest rate pause ). They told they transferred my account to AidVantage. 

I call AidVantage on XX/XX/18 and they tell me they don't have my account information. 

I call XXXX again and ask for the date of when my account was transferred. They told me they transferred it on XX/XX/18 ( suspicious, but fine ). XXXX is somewhat helpful and at least sends me a letter with all my loan information ( of the loans paid off during the interest rate pause ) so AidVantage knows exactly what to reinstate. 

I call AidVantage again and ask when my account will be transferred and they tell me it'll take XXXX weeks... This is absolutely a ridiculous amount of time for someone to be able to simply create an account. I have my letter from XXXX on exactly what needs to be reinstated, but I can't send this to AidVantage without an account. The fact that I can't create an account today with AidVantage is extremely poor business practice and borderline criminal. They are essentially withholding my money. 

I have already received my forgiveness email from the US Government ( of course it's on pause right now ), but I need AidVantage to open an account for me & reinstate my loans ASAP. They're making it extremely difficult and every time I call they give me conflicting information. One guy even told me I don't have to have my loans reinstated and that the US government will reimburse me directly ... AidVantage needs to be held accountable and fined for this behavior on a daily basis until they improve this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts on my credit report