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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} ; 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

This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.
Product: Consumer Loan

Experian reports credit scores way different to different lenders. This is causing me to not qualify for a lower interest rate. I subscribe to XXXX XXXX credit reporting plan and my score there is XXXX this puts me in the excellent category. It 's been that number for a year. I go for a car loan and XXXX XXXX tells me it is only XXXX causing me to pay way higher interest rates. I call Experian to find out why the agent will not even talk to me unless I pay {$35.00} to pull my report! When I complain he tells me I can go online and get it for {$7.00}. I go online, pay the XXXX and it says my score is XXXX. This is a scam and Is costing me and obviously money in higher interest payments. Experian needs to be investigated and fined. I also need to have them report my true score of XXXX as they report to me.
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I applied for XXXX apartments and was denied for both because of the incorrect information that was given to the screening companies. They were given that the information that I had multiple evictions which aren't true!!! I'm still in the apartment that they are claiming that I had the evictions from. This has costed me money and has caused great stress and now I because my lease is ending I will have to live in a hotel to sort things out.
Product: Mortgage

Early this year SETERUS changed their payment coupon making it impossible to allocate funds in excess of the normal monthly payment ie ; the ability to direct the funds to the monthly payment and the excess to the principal. I normally pay in excess of the monthly payment and since the coupon change SETERUS has misapproprited my funds, ,assessed late payments and wasted hours with me on the phone addressing these issues on nearly a monthly basis since the first of the year. 
My most recent payment was in the form of XXXX checks, XXXX for the monthly payment and XXXX for the principal. SETERUS is now holding the entire amount in suspense ( unapplied ).
Product: Mortgage

We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank. 

We want to be able to rent this property. We made that clear during the lending process. 

This compliant is being made against BMO Harris Bank. Our mortgage broker was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the companies below are illegally reporting inaccurate, noncompliant, and false information about me. 

Account name : XXXX XXXX XXXX XXXX, XXXX Account Number, XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX. Account number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENF AG/NC. Account Number : XXXX the above-listed companies have violated my rights. i have no contracts with the following nor have I entered into an agreement with these entities. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I request these accounts be removed from my consumer report, 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 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: Debt collection

XXXX XXXX XXXX XXXX is demanding payment for a debt they allege I owed to PayPal, Inc. in the amount of {$630.00}. I never did any business with Paypal that could have resulted in any unpaid amount to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is using unfair and deceptive practices to collect debts that consumers do not owe.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Gentlemen, Last XXXX, my book keeper contacted me regarding some unauthorized ACH withdrawals ( in total {$3000.00} ) being taken from my business account. I contacted my banker, XXXX XXXX at Truist XXXX XXXX. XXXX looked at the withdrawals, and agreed we needed to close the account as it had been compromised by fraudulent activity. We proceeded to close that account and open another, and he assured me that the fraudulently transferred funds would be refunded. 
In mid XXXX, I received notice from Truist that they were denying my claim. No reason was given. I contacted XXXX XXXX again, and he said he would find out what was happening. I have been calling and emailing XXXX since XXXX trying to get this resolved. XXXX keeps telling me that " the case has been escalated ''. I finally received a phone call today from the " escalation division '' of Trust who just repeated the denial of claim, with no reason being given.

It's my understanding that if I have funds deposited in a bank, I have to authorize any access to those funds. I DID NOT authorize these ACH withdrawals.

I have reached the end of my patience with Truist and their non-communication. 
Please see what can be done. If funds are not secure in a large NC bank, the public needs to be aware. 
Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Contact for XXXX XXXX at Truist : XXXX,
Product: Money transfer, virtual currency, or money service

I sent money via Zelle using the XXXX XXXX banking app on XX/XX/. My contact XXXX XXXX from my contact in my phone is registered as XXXX XXXX. Their token ids are the same and should not be. Ive been telling my bank theres an issue with this since the funds were sent on XXXX I sent money to XXXX XXXX using the Zelle app with the XXXX XXXX app. The funds never went through to XXXX. I created several claims with my bank that keeps denying stating they have done everything correctly and there are no issues with the money being sent. Ive been told by my bank to speak to Zelle. XXXX is registered as XXXX XXXX XXXX ( XXXX ) XXXX XXXX phone number is XXXX ( XXXX ) XXXX, one digit off. I need help getting my money back and getting the token ids correctly listed. I recently filed a complaint with XXXX XXXX on the matter. XXXX XXXX closed the case stating this is an issue that I must take up with Zelle. However because the transaction took place using the XXXX XXXX app, Zelle refuses to speak to me stating its a bank issue. It seems now Im stuck in a grey area where both parties are waiving their hands of all liability and the problem is not resolved.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
Product: Debt collection

I contacted the collection agency with a debt validation letter, asking them to supply proof of the debt, including contracts or agreements bearing my name, proper identification, and a signed document confirming the debt is mine. The agency has not responded or provided the required documentation to verify the debt.
Product: Debt collection

Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact me.
Product: Credit reporting

I had a bill for {$160.00} and it was payed off a year ago. It 's still on my credit report. Attached is my receipt proving that the bill was payed. I 'd like this off my credit report asap.
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 XXXX 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 XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Stolen My Identity, please Remove these Fraudulent account of My Credit
Product: Debt collection

My wife passed away. I started letting her creditors know of her passing. I called Barclays and informed them that my wife had passed. I asked if the account could be transferred to my name. I was told no. The account had been delinquent. I offered to pay the account off in full if they would remove the derogatory from my credit. They would not even after I had been making monthly payments. I found out that I was on there as an authorized user. T/his is not my account and I want it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Product: Credit reporting or other personal consumer reports

On XXXX  I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve this matter.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up. The locked my account for 180 days and when they elapsed and ready to withdraw the funds as they notified me via email on XX/XX/2021. They then asked me further documentation which was followed by another 180 day hold of my funds. I don't believe holding my funds that long is justifiable by paypal yet I have done nothing wrong. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.
Product: Credit reporting

There is a Auto loan Listed on my Equifax credit report for XXXX XXXX XXXX aka XXXX XXXX account number XXXX which is an account I have never placed with them. They placed it there in error I was told by XXXX and they told me to dispute it with credit bureaus but took no action themselves to correct it.
Product: Credit card

I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.