23daVinci/CFPB_Complaints huggingface dataset:
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBERXXXX XXXX. XXXXXXXX XXXX AMOUNT : {$1200.00} ACCOUNT NUMBERXXXX XXXX. XXXX XXXX XXXX XXXX $ ACCOUNT NUMBER : XXXX PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 
ITS BEEN 60 DAYS OF ME DISPUTING THESE WITH NO VERIFIABLE INFORMATION However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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 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

I sent {$450.00} from the XXXX ( XXXX ) app on XX/XX/18 to XXXX XXXX who also has a XXXX ( XXXX ) app. The transaction on the app shows as denied 3 times as XXXX didn't have an updated debit card on his XXXX app. The last card he had was with XXXX XXXX and it was no longer valid. Even though on the XXXX app it showed as denied, my bank account had an authorization hold placed on the account and the transaction cleared on XX/XX/18 as successful, but XXXX never received the deposit. XXXX has no idea of what happened. They however show as the merchant on my bank statement but they say they really are not the merchant. I also spoke to an agent who said that XXXX did send the request to pay the authorization hold but since the account had an invalid debit card that it should be returned, but it hasn't returned yet. Then a manager told me that the info he said was wrong. But in my understand of debit transactions, the sending bank applies a hold under the receiving entity sends a request to complete that transaction which to me looks like XXXX. XXXX hasn't opened any type of investigation that I know of and just keeps reading me the standard policy lines. The thing is the money isn't in my bank ... so it is either with XXXX or XXXX somehow sent it to XXXX XXXX which is the receivers bank, but XXXX can not at this time locate the money either.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not responsible for the account ( XXXX ) being reported on my credit report by ACIMA DIGITAL FKA SIMP. I have no knowledge of said account, this account was opened fraudulently and I would like the account to be removed from my credit report immediately.As it has impacted my ability to get credit negatively.Under the fair credit reporting act,15 usc 1681a2 I didnt give written permission to have this account furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage with Bank of America in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that BOA was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted BOA and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that BOA SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. Bank of American illegally sold my mortgage 6 months after they were paid.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

The account in question is XXXX XXXX XXXX Account information XXXX, date opened XX/XX/year>. XXXX {$550.00}. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for [ specific company/organization name, if applicable ] to access or furnish my credit information.
Product: Student loan

In XXXX helped my daughter get a loan, the gal told me because I did not have employment or received income tax refunds my daughter would be eligible for a higher grant.Her Father was the sole provider for our family until his passing in XXXX .The gal stated I was considered below poverty the grant would help my daughter.i have NOT received a bill on this. The IRS informed me I had a tax offset taking my entire refund and applying it to a collection agency for Dept. Of Ed. I am now the sole provider for my XXXX YR old grandchild and I received the XXXX for the sole purpose of caring for her.my daughter has her loan in deferment so she had thought that was it, like I said I have not been sent a bill, when in fact all these people I have contacted concerning this issue including the collection agency DO HAVE MY CORRECT ADDRESS.I believe I was falsely certified for this loan as I 've only filed income taxes this will be the second time in my life and I 'm XXXX years of age.The Dept.of education nor the collection agency has notified me of this issue.Like I said my daughter 's father was the sole provider for our family, until he recently passed away.Ive researched ALOT on this issue and found on dept.of Ed that if a payment has n't been made on a loan in 270 days then the loan will go into default..Dept. of XXXX informed me that the loan went into default on XX/XX/XXXX, AGAIN I 've received nothing on this loan .So it has been since XXXX it is now XXXX that 's roughly around XXXX some odd days, my question is how did this just now go into default then? Federal law requires you must be given advanced notice of proposed offset including the nature and outstanding debt, the notice must also advise you of your rights, AGAIN I 've received nothing.And the collection agency took my tax refund for the debt.On my refund I was only untitled to the XXXX for my XXXX YR old grandchild in my care nothing more, nothing less.I am in a financial hardship as I 'm now unemployed and expected that refund to get back on our feet for my granddaughter and I .I am requesting a tax offset refund request from the collection agency as they nor any other institution has informed me of this .I 've filed several complaints and still waiting.i could have gotten a deferment also had I been informed of this.
Product: Money transfer, virtual currency, or money service

This is complaint about PayPal. I purchased " XXXX XXXX '' sunglasses on XX/XX/2020. It was supposed to arrive 7 days later. The glasses arrived over 2 months later on XX/XX/XXXX from XXXX and it was a counterfeit - cheap plastic fake counterfeit that was defrauding me as a customer and XXXX XXXX as a company. I contacted PayPal and initiated dispute ( XXXX ) to cancel the payment because it was a fraud and counterfeit and not what I ordered and not what was advertised by the company. After prolonged " investigation '' by PayPal they advised me that the XXXX company generously offered " full refund '' if I ship their counterfeit fake product back to them AT MY EXPENSE, which will cost more than {$70.00} to send back. I consider this " offer '' an insult. Because I refused to send the counterfeit product at my expense, PayPal denied my request for refund and closed my dispute. I think PayPal is aiding and abetting in fraud being perpetrated on American consumer by this criminal XXXX company.
Product: Credit reporting or other personal consumer reports

This company is maliciously messing up my credit report over and over again theyre leaving a balance and I paid this XXXX this is supposed to be getting removed as well and I have gotten a lawyer and Im taking them to court, this is paid in full. Every time I dispute it they lie and say I never paid it, and they keep derogatory reporting information, and the balance still says, and paid as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX

TO WHOM IT MAY CONCERN
I recently received a copy of my XXXX  credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX  ACCOUNT NUMBER XXXXXXXX
LATE PAYMENT DATE XXXX  
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) 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.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Debt collection

I talked to the owner of the XXXX XXXX and he stated that I did not open an account, and he also texted me stated that he told the collection company it was a mistake and he told them to delete the account because it was a mistake!! However, they have refused to remove the debt. If you contact XXXX XXXX they will tell you it was a mistake. This is FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. Please investigate thoroughly and please remove it!!! This is identity theft! Please remove it from my credit report.
Product: Debt collection

I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list.
Product: Checking or savings account

Opened a XXXX XXXX account in XX/XX/XXXX. On XX/XX/XXXX a capital one online pmt posted to account for XXXX and was not my transaction or authorized by me. I contacted Capital One on XXXX to have resolved. On XXXX the money was put back in my account but was effective on the day posted - XX/XX/XXXX. There was an interest amount for one day interest credited on XXXX as well. The amount withdrawn should have been posted to my account effective XX/XX/XXXX so that I was not harmed on interest. The interest payment should have been effective XX/XX/XXXX as well. I have called 2-3 more times to try and get them to fix the errors on the account and make me whole and so far nothing has happened. They do not call me back to let me know what is going so I have to keep monitoring, calling them back and explaining every thing all over again. 

We are not talking about a lot of money ... .Depending on how they compute the interest it is ether 1.07 or 1.43 in interest for XXXX or 4 days that I should get that right now I will not get as the money was not in my account on XXXX, XXXX XXXX and was finally put back on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, when it comes to my credit score i take that very serious. My score was XXXX  the it dropped to XXXX  which was not a big deal. However i paid off two of my credit cards debt for about {$1800.00} i was expecting my score to go up instead it dropped down by 22 points. I don't like the way this work it sounds like a scam to me no matter what i tried to keep it up it still going down.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE ORDERED A NEW XXXX XXXX  CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE XXXX XXXX  BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I, XXXX XXXX XXXX filed with identity theft in the year XXXX between XXXX - XXXX, I also filed a police report during that time when my identity was stolen, When This situation was noticed I imeaditly notified my bank, the bank asked me to take a police department statement for all the fraud that was shown on my bank account monthly statements, they froze my checking account, the investigation lasted for almost 2 months I was really frustrated and scared also to top it off I never gone through this bad situations before and I hope to never go threw this XXXX again, I just want my life back and my life to be peaceful and no harm and my credit to be normal and build my life back to perfect. I dont want to go through life with a bad horrible XXXX credit score and be in debt all mylife
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account is showing five of my XXXX   accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX  and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.
Product: Mortgage

On XX/XX/2021 I had ordered a payoff for my mortgage with Selene Finance. 
I had explained that I am selling my house and the closing date is XX/XX/2021. 
I was told that it takes 5-7 business days to get a payoff. I said fine. On XXXX had called again inquiring about the status of my payoff. They said that in the next 1-2 days I will receive it ... .... 

The closing is tomorrow, and Selene Finance is denying my right to sell the house by not providing the payoff letter. There is no pre-payment penalty on my loan. 

Please, help me out close on my house tomorrow. 

Thank you XXXX XXXX
Product: Mortgage

I sold a home at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XX/XX/2023. See attached. The title sent the payoff to the bank XXXX  and it was rejected. See Attached. They have been paid off and have been harrassing the living daylights out of me. I have emailed and spoken to countless people at Newrez and they refuse to ackowledge ANYTHING. 
I am wits end. This is total bullying and harrasement!
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original credi
tor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention
Product: Credit card

Was charged {$99.00} annual fee on Barclays Aviator Mastercard. Called and requested the fee be refunded and card closed since XXXX XXXX Credit card company has failed to follow through and delinquency has been reported onto credit bureaus. Despite calling for six months, Barclays has failed to submit the proper documentation to waive fee, close card, and remove delinquency from credit bureaus.