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

I have spoken to XXXX XXXX the last year and to this date on my credit card they have failed to report the last 7 years to the credit Bureau XXXX XXXX. Additional names used for me are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. i have only had my credit cards in XXXX, TN and XXXX, GA XXXX, XXXX and XXXX. 

At this time, the XXXX report is XXXX under XXXX XXXX XXXX and the XXXX number is XXXX. XXXX XXXX XXXXs only reporting from XX/XX/XXXX to present day and failed to report the amount of my payments for the month as well. I need all my payments reported as this is my main credit card that I always use and it needs to go back 7 years from when I first asked them to send it and correct it. The police report number is XXXX XXXX and cell XXXX. His name is XXXX XXXX. Please correct XXXX and get my score and credit report to me as my records remain mixed up with XXXX XXXX XXXX. I will be unavailable from XX/XX/XXXX until XXXX, XXXX with no access to email, phone or other. 

I need a phone call with the contact information for the executive offices as well as a mailed copy by XXXX Mail with complete contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.
Product: Checking or savings account

On XX/XX/XXXX I was alerted via email that my Chime debit card pin had been changed, and that if I did not do it I needed to contact customer service. Before I got the alert and contacted them there was already 2 ATM charges done cleaning the account. My disputes were denied within 12 hours of reporting them. I made a police report, and filed a rebuttal on the decision - again in less than 24 hours it was denied. With little to no investigation done they " found no error ''. I filed a rebuttal at least 7 times between XX/XX/XXXX XXXX. All have been denied. Based on XXXX 's XXXX Liability Policy Chime is liable to return the funds stolen from me and refuse to even look into the situation at all.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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, credit repair services, or other personal consumer reports

Prestige Financial Services has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as these violations are not to be reported on my reports.
Product: Debt collection

CRA VIOLATION NAMES ALL WRONG MUST REPORT 100 ACCURATE AND INACCURATE INFORMATION MUST BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is Experian credit Inc. On or around XXXX XXXX I called Experian to find out why my credit score decrease -21 points. I talked with Experian and was told they did not know why my score drop -21 points. In reviewing my Experian account there was on explanations to be found. Experian told that a dispute manager would call me and tell me what happen but was later no was going to call. I told Experian that I just paid off my student loans and my scores should have increase to an higher score. They told me there computer system give out the score and they do not have anything to do with the scoring of consumer credit score. Plus paying off student loans can negatively impact my score. Since they do not have anyone to review my credit report for any errors. I'm requesting for help from your agency to review my credit report. ( XXXX )
Product: Credit reporting or other personal consumer reports

valor Solar agent came to our home with proposal for solar energy he assured us that with solar installation there will be no electric bill but we will get money by selling electricity. XXXX XXXX said it would be {$40000.00}, after installation I paid {$150.00} to solar and at the same time I was receiving XXXX XXXX provider over {$500.00} to {$1000.00} pm since than I keep asking to check problem and I stop paying to Solar company lender Goodleap. I am paying only to electricity not to solar since its just fraud fraud. 
XXXX XXXX got {$65000.00} from Goodleap lender I never signed any documents for loan. 
I was shocked when they put to XXXX credid reporting company How can solar company do this without fixing problem my score dropped from XXXX to XXXX and I am unable to get any credit card despite many requests nothing happened still living with bad credit. 
I requested to remove solar panels immediately and explain why Solar company charging {$65000.00} when I never signed any documents and why I am getting high electricity bills its just fraud
Product: Debt collection

i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account with XXXX XXXX XXXX. XXXX XXXX XXXX has been inaccurately reporting on my credit report as they have sold the account to XXXX XXXX XXXX. I receive mail from XXXX XXXX XXXX  attempting to collect on the debt as well as a letter from XXXX XXXX XXXX regarding my XXXX XXXX XXXX account dated XXXX X,2017. When I contact XXXX XXXX XXXX they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Product: Mortgage

I had fallen behind in my payments due to many unforeseen medical issues starting when my son had to have a a XXXX XXXX removed. My wife has also had many ongoing medical issues the past several years. My mortgage was originally with XXXX XXXX XXXX, then it went to XXXX XXXX then with XXXX, and now it is with Fay Servicing. Beginning XX/XX/XXXX of this year I applied for a loan modification with Fay Servicing. I sent them all required income and bank information they requested and was told our household income was sufficient to qualify for the modification. Then on XX/XX/XXXX of this year i received a call from my account manager XXXX XXXX  informing me that I had been approved for the modification. I was relived beyond words. I was then and am still now committed to stay in my home. Then two days later onXX/XX/XXXX XXXX XXXX called again to say I was not approved due to a problem with the mortgage insurance company. He stated that I was approved by Fay Servicing. I appealed this decision through Fay and just recently received notification that my appeal was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquries need to be removed, these are unauthorized XXXX/XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX  XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX/2020 TRANSUNION XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX 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 An 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

My XXXX loan are being furnish without my consent I never gave any person consent to report my XXXX loan Department of education XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has been actively reporting an unverified debt to the credit reporting agencies during the protection period of dispute. I have sent 2 certified letters with delivery confirmation both in XXXX ( XX/XX/year> ; XX/XX/year> ) and have heard nothing. I've also sent 7 emails to their email address of XXXX and they have verified receipt but failed to respond. 
They also called me during the dispute period to attempt collecting the debt. I have this voicemail recorded. 
They will not speak to me over the phone about the debt, and will not remove it from my credit
Product: Debt collection

XXXX XXXX,2021 To : Portfolio Recovery Associates XXXX XXXX XXXX. 
XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Validation and Proof of Claim 2rd Request Creditor : XXXX Merchant : XXXX Account # XXXX Reference # XXXX I received your response. According to the Fair Debt Collection Practices Act ( FDCPA ), you have not produced the proper requested documentation to verify this debt. If proper documentation can not be provided, please cease and desist all efforts to collect on this unverifiable information. 
As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC & 1692et seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please evidence your authorization under 15 USC & 1692 ( e ) and 15 USC & 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Please show proof of status for credit insurance for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX  would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message XXXX days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have XXXX mortgages. One with XXXX XXXX XXXX  and XXXX with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have XXXX mortgage and because there are XXXX showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on XXXX as XXXX and Equifax is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have XXXX mortgage.
Product: Mortgage

Problems with Mortgage Payments since XX/XX/XXXX My Mortgage payment is spited 2 instalment. One on the XXXX of the month the second on the XXXX. In XX/XX/XXXX I notice that the payment on the XXXX was not withdrawn. I called multiple times and Bank of America representative said that my account was fine that I didn't had any payments pending. In XXXX the same problem happened the XXXX of the the month the payment was not withdraw. At that moment a supervisor told me that Bank Of America did an update to the systems and that it had a glish the bank of America was aware of it And I was not going to be penalize for it. At that moment I requested for them to take the payment at that moment. In XXXX, XXXX and XXXX all my payments are withdraw with no issue. At the beginning of XXXX a I received a call from the collection department of Bank of America stating that my account was pass do. I requested an investigation because of everything that happened and because at this point they have not collected any payment in XXXX when my XXXX XXXX account have the funds for the payments. I been told that I will receive a call back and that never happen. They tell me to call after 24-48 hour and that the problem will be solve and that doesn't happen the last report number that I got is XXXX And today XX/XX/XXXX I was told that I have to wait until XXXX XX/XX/XXXX so they cam fix my account. At this moment I this Bank of America is discriminating against me because I'm XXXX
Product: Debt collection

XX/XX/year>, I requested to XXXX, XXXX, And XXXX  to validate the debt with XXXX XXXX. I have not received any forms of communication, and the debt is still reporting on my credit report. This debt legally does not belong to me, and I would like this matter resolved. I have also reached out to XXXX XXXX and received no response.
Product: Debt collection

XX/XX/XXXX at XXXX got a collector bill on a medical Bill 's I had not seen. Called and left a message with my phone number to call me back. I had not heard from them regarding this bill. It's the XX/XX/XXXX I still not heard from them.
Product: Debt collection

On XXXX sent a letter to Midland Credit Management.

Midland Credit Management has discriminated against because It is my FEDERAL RIGHT to DEMAND TO REDEEM IN LAWFUL MONEY IN PURSUANT OF TITLE 12 U.S.C. 411.

Title 12 U.S.C. 324 requires member banks and Federal Reserve Banks to comply with lawful money redemption demands. This gives me the right to demand the redemption of FRNs for lawful money and ensures that my account transactions are properly processed. 
All banks and thrift admitted to membership under authority of this section shall be required to comply with the reserve and capital requirements of this chapter, to conform to those provisions of law imposed on national banks which prohibit such banks from lending on or purchasing their own stock and which relate to the withdrawal or impairment of their capital stock, and to conform to the provisions of sections 56 and 60 ( b ) of this title with respect to the payment of dividends ; except that any reference in any such provision to the Comptroller of the Currency shall be deemed for the purposes of this sentence to be a reference to the Board of Governors of the Federal Reserve System Failure to comply with this demand will lead to escalation to the Comptroller of the Currency, as outlined in 12 U.S.C. 324 and FEDERAL LAWSUIT for DISCRIMINATION against Title 12 U.S.C. 411.
Product: Credit card or prepaid card

The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.
Product: Credit card

I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list " transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement?
Product: Credit card or prepaid card

My Discover Credit Card was lost or stolen and unauthorized charges were made using my card. I timely reported to Discover and was very cooperative with their investigation, even named them persons when they asked about people that had recently visited my house. They closed the account and sent me a new card. However, from thereon, they started bothering me with frequent calls demanding aggressively to file police report on people whom I may suspect in stealing my card or just go to police and file report regarding lost card. Their representative named XXXX keeps rudely interrogating me demanding " yes '' or " no '' answers to her questions, and blackmailing me saying that if I did not file police report then I would be responsible for those not-authorized charges. I doubt that such a demand is legal. 
I am XXXX, suffering from XXXX XXXX XXXX and have XXXX XXXX. Their rude and aggressive demands negatively affect my health.
Product: Payday loan

i was told by paypal credit i will have no interest and or fees for XXXX months after buying merchanidise on all merchanidise however now i find that paypal has spilt some payments for interest and fees to be paid in full
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply asked for an examination of the disputed items since I believed the credit bureaus did not sufficiently look into my dispute. The three credit bureaus ' records show that it was false. The three credit bureaus need to replace the following information from my file because the credit bureau 's inspection was done erroneously. 
XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Venmo has no real way to have consumer contact them. The phone number is defective as they do not receive phone calls. 

The Chat is a bot that deliberately and willfully prevents real contact with Venmo, allowing it to not have to respond to losses due to their neglect and is an unjust enrichment for Venmo. 

Today I lost over XXXX and I have no way of even contacting Venmo.