23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified the three major credit bureaus that an account from XXXX XXXX was being reported on my credit report, I informed the that the account was open by my ex-husband when I was out of the country, The account was open on XX/XX/XXXX however I was out of the country and I retuned on XX/XX/XXXX. On XXXX I received responses from the credit bureaus, they claimed that they verified the information and that the account information was correct. On XX/XX/XXXX I notified XXXX XXXX that the account in question was opened with out my consent and at the time I had no knowledge of the account. The Account was opened by my ex-husband. I provided a copy of my passport showing that I was not on the United States when the account was opened however they neglected to acknowledge this and they just stated that they reviewed their files and that the account information was correct. Also they send me a separate letter stating that they sold the account to a collection agency. XXXX XXXX has neglected to acknowledge the fact that I did not open the account and that i was out of the country at the time, they have not also provided proof that the account belongs to me.
Product: Mortgage

Because my new mortgage was transferred from XXXX to NewRez around the time my real estate taxes were due, I submitted the tax payment directly to the municipality. The municipality sent the overpayment to the service provider ( NewRez ). I have emailed and called several times, and keep getting told different dates of when the issue will be resolved.
Product: Mortgage

My mortgage company keeps buying insurance on my behalf even though they have a copy of my insurance documents. I have called and fixed the problem about 5 times in the last two years but every few months they purchase insurance on my behalf and automatically withdraw and extra {$400.00} in automatic payments. They owe me almost {$1000.00} and it takes about 1.5 hours to get someone on the phone every time.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I purchased a Paypal prepaid debit card as a gift last week ( XX/XX/XXXX @ XXXX ) at XXXX Store # XXXX for the amount of {$75.00}. The recipient of the card was not able to activate the card, therefore I purchased a new card to replace the old one. Now I am asking for a refund or activate the they are refusing. Paypal or the store. 
the card # XXXX expiration date XX/XX/XXXX XXXX XXXX # XXXX Please email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan through XXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, XXXX XXXX is not reporting the information to Equifax correctly. XXXX did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because XXXX keeps advising that it was XX/XX/XXXXor XX/XX/XXXX Equifax will not remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX have violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX, after completing the five years I have come to find out that there was a change in my identity in the year of XXXX.I can remember when the school reached out to me in the year of XXXX  about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX.Reason I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX, This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX XXXX from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXX have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.
Product: Debt collection

It has come to my attention that BARCLAYS BANK, creditor and debt collector as defined pursuant to 15 USC 1602a ( g ) and 15 ISC 1692a ( 6 ) has violated my rights as a consumer pursuant to Title 15 Chapter 41 subsection 15 USC 1601, Truth in Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy, and by providing abusive and unfair debt collection practices.

This consumer credit transaction with Barclays Bank which resulted in an account under an open -end- credit plan was used unauthorizedly by BARCLAYS BANK which is also known as identity theft pursuant to 15 USC 1602p and 18 USC 1028a ( 5 ). 

Cease all UNFAIR communication through any mediums with me and ANY third party ( such as consumer reporting agencies ) ( Communication in connection with debt collection ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Transunion are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they 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 ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

XXXX was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. XXXX was used as XXXX or XXXX. 
I wanted to borrow {$260.00} credit from XXXX to deposit in my XXXX checking account. 
Unfortunately I did not realize I had it set up for XXXX to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called XXXX to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay XXXX and charge me, the investigation would take 10 days. 
I did not get charged for it. My XXXX was negative {$260.00} from the canceled transaction. I called to ask XXXX how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a XXXX account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off XXXX upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read XXXX has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXXXXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX  ACCT NUMBER : XXXX XXXX, Account Name XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : US BANKRUPTCY COURT-XXXX XXXX XXXXXXXX : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, have all 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 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: Mortgage

first loan by bayview loan services went up to 3 % XX/XX/XXXX to {$720.00}, then in XX/XX/XXXX went up again rate 3 % {$780.00} called no help try to get another mofification said no credit score to high -- -- i turned XXXX in XX/XX/XXXX as of XX/XX/XXXX i am no longer to pay school tax faxed info over 5x 's XX/XX/XXXX-also in XX/XX/XXXX i got another home insurance company info was called and faxed info lower insurance. called twice to bayview sence XX/XX/XXXX no help still say i need to pay XXXX by XX/XX/XXXX claim it takes over 30days i  think they just want more money i try to speak to several people still no help say do not know about info..i will also reort to the XXXX.i have had nothing but problems with company they did help twice over 10yrs still need help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent an investigation letter via certified mail ( XXXX ) to check if the XXXX XXXX collection account on my credit report was XXXX % accurate. On XX/XX/XXXX received notification from the TransUnion credit bureau stating that the account was properly investigated and reported as accurate but how is that possible if the account name, account balance, date of last activity, and last update are all inaccurate and inconsistent across the XXXX credit agencies? These are grounds for removal. 

TransUnion also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions and consent. I have not given these accounts written permission to furnish these accounts on my credit report. 

Additionally, I requested TransUnion to furnish me with a written verification featuring my signature on an actual contract with the aforementioned collection agency and hard copy documentation that corroborates the information being reported on my credit profile, mailed to me via XXXX to which they have not. 

The appropriate action for this account is to be removed immediately from my credit report. 

Attached please find supporting documents to my claim.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number because I am a victim of XXXX XXXX Which has resulted in me being a victim of Identity Theft. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have received 2 new hard inquiries on my credit report for things I have never applied to. 

Personify ( finance ) on XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( bank ) on XX/XX/year>. 

The credit report so far only shows the deductions from the hard inquiries. It does not show if any of this was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX  is XXXX reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX # - XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX 2020 you reported that my transaction was 30 days late. 
XXXX 2020 you reported that my transaction was 30 days late. 
XXXX 2020 you reported my transaction was 60 days late. 
XXXX 2020 you reported my transaction was 90 days late. 
XXXX 2020 you reported my transaction was 120 days late. 
XXXX 2020 you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$100.00}
Product: Bank account or service

Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my XXXX
Product: Credit reporting

Credit Bureau reporting incorrect information on my credit bureau. I requested the information to be removed. The XXXX collection accounts are XXXX and XXXX.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. XXXX XXXX {$820.00}
Product: Credit card

I found on my credit card statement that Dating back to XX/XX/XXXX, there was a charge happening on my account every month for the amount of XXXX XXXX I realized this in XXXX of XXXX and immediately contacted the bank to dispute this transactions. There were a total of XXXX total transactions since XXXX, that I did NOT authorize nor purchase on my card which is why I filed a dispute. I have been a long time owner of this card with this company and completely dissatisfied because they rejected my dispute. They provided no information to why they did not approve my dispute request. I have re-submitted a dispute request for all the transactions totaling around XXXX XXXX in hopes they make this situation right.
Product: Credit card

I have a credit card debt of {$7200.00} with XXXX XXXX XXXX, but it now with Midland credit management XXXX XXXX - XXXX XXXX I have paid the debt down to {$4900.00} but the creditor keeps adding undisclosed high interest to debt. I send them an email and also call them to stop the high interest so I can concentrate in paying off the debt or an offer of {$3000.00} by the end of XX/XX/year>. But never want to consider me or even assist.