23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone. They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, Creditor : 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. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent the credit bureau a letter concerning inaccurate collection accounts on my credit report that are all reporting inaccurately. They have not conducted a proper investigation into my dispute and they have not corrected or deleted these accounts as the FCRA states. I have also reached out to the collector who furnished this inaccurate information and they too have failed to delete this inaccurate information from my credit report. This is causing me great XXXX and I want to exercise my right as a consumer and file this complaint because they violated the FCRA.
Product: Credit reporting or other personal consumer reports

These companies have charged off my account, have turned my account over to a collection agency, but still show an outstanding balance that theyve taken a tax deduction for. Ive asked them to update my file to reflect the the fact that they got the credit. My credit file illegally reflects the balance with them and the collection agency.
Product: Checking or savings account

On XX/XX/23 I drove up to the ATM to make a cash deposit in my business account at the location located XXXX XXXX XXXX XXXX TX. My intent was to deposit {$2000.00} cash that day to the account. I put {$2000.00} in the machine of which it only took {$920.00}. It returned {$80.00} back to me which I kept. It did not account for the {$1000.00} ( all in {$100.00} bills ) nor did the machine give any errors. It just took it. Not XXXX minutes later I pulled over and called the back immediately to let them know what happened. The claim was filed. Figured it wouldnt be a problem Iam sure this happens to alot of people because those machines do not count the money wrong. I know this because its happened to me to me on more than one occasion so I cant be the only one. And because of this I tend to count the money twice sometimes XXXX  times before depositing into the ATM. But this is the first time it actually took my money without returning it all. I was shocked when I called Wells Fargo for an update yesterday and they told me they found nothing. How could this be?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. 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 you responsible for your tenaci ; ous 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
Product: Credit reporting

XXXX XXXX My credit score has been effected by a XXXX card never issued to me. I was buying tires and needed them immediately. Considered opening an account but found out I would not receive the money on my purchase for 2 weeks, so I cancelled the transaction to receive the card. Brought my credit score below excellent!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i found these following hard inquiries that i did not approve of XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.
Product: Debt collection

I received a notification in my email that a new collection was placed on on my credit report on XX/XX/2024. This collection is by CAVALRY PORTFOLIO SERV which have a reporting date of XX/XX/2024. I am making this dispute because I was not giving the opportunity to contest to this allege debt before it was placed on my credit report. CAVALRY PORTFOLIO SERV is in violation of the FDCPA XXXX USC 1692g ( a ). I didn't receive any correspondence concerning this debt, please ensure that they in fact did by providing any proof that they sent me documents revolving this matter by uploading certified mail with my signature.
Product: Credit card or prepaid card

I called in 2019 to cancel this card. I was under the impression based on my phone call that the cancellation was confirmed. I then went to work out of town due to Covid shutting down a lot of my companys work and was not home to see any mail coming in from Genesis FS. If it did come, Im sure I was passive in acknowledging it because I had cancelled this card and never carried a balance on it. The late payments I have acquired are for the annual fee I was unaware I was charged for. My frustration continues because when I called again recently, I was told I could only cancel this card by mail and the next day I see this account has been closed. I am trying to apply for a mortgage loan and the late payments have ruined my credit. The late payments are not a reflection of my credit worthiness, but a result of poor customer service.
Product: Checking or savings account

Contact the bank for specific information regarding the email address and mobile number on the checking and savings account.
Product: Prepaid card

I bought a Vanilla Visa Gift Card on XX/XX/23. I activated my card an hour later. I was unable to use it anywhere online. I call Vanilla, they say give it 24 hours. I did. It still does not work. I called again and they said they would send me a check. I call, no check has been sent. They have me send pictures of the card front and back, the envelope it came in, receipt and sub receipt. Today I call they want my ID or current bill. I send it. They say they haven't gotten it. I have filed claims with them and XXXX where I bought the card. They lied to XXXX and said I tried to make reoccurring payments. I did not! I tried to pay a bill online, I tried buying on XXXX etc. and everyplace I tried to used the card it was declined! It also can't be used at restaurants, gas stations, hair salons, and the list goes on. I keep getting the run around. I want my money back that I put on the card and what I paid for the card, it's useless.
Product: Credit card or prepaid card

In attempts to make a monthly payment, I called the company 's XXXX number to determine the total balance, date due, and monthly minimum payment. In listening to their recorded message it was discovered that the company has an incorrect telephone number connected to my account. After listening to the recorded message I hung up and called the XXXX number again revealing the same information. I called again to speak with a live representative who informed me that they were unable to provide any information on the incorrect number even after I provided my correct telephone number. I disputed the representive explaining their information was wrong. The representative was uncooperative and I explain I would contest their information regarding their information on my account. This is the second time in over 7 months that I've listened to the recorded message which reveals the same incorrect number. On each occasion the company has refused to explain why they have an incorrect telephone number connected with my account. I called the XXXX which revealed the number was unallocated. 
I've had issues with XXXX 's in the past in keeping accurate records of my XXXX  account which caused me to contact their corporate offices. In the previous two events, XXXX 's has overcharged my account either in record keeping or at the customer service desk.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Equifax. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/ Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate : XXXX XXXX Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

My degree is not recognized by no other colleges I was unable to get a job for XXXX  years nobody recognized XXXX as a credited school. My XXXX XXXX is not accepted by no jobs or schools I have to start over mean while I have student loans debts no one to talk to the school.was shut down for fraud and it's nit fair to me at all. I graduated XXXX  and have this holding over my head.
Product: Vehicle loan or lease

Brought XXXX XXXX from XXXX XX/XX/XXXX, Bridgecrest finance the car for XXXX, for 72 months the car was total on XX/XX/XXXX and I still owe XXXX. I wasnt at fault didnt have Gap they claimed. The third party ins took blame was suppose to paid them XXXX they also took my vehicle and left me carless. My problem is I paid them XXXX a month and only XXXX is applied to principal
Product: Mortgage

We were part of and/or involved with the Bank of America scandal in 2008. I am a XXXX XXXX veteran and a single parent. Due to my sons and my own health issues I was forced to take unpaid time off from work. Along with time off, I worked for the XXXX XXXX XXXX and we were working under imposed work rules due to failure of contract negotiations which caused sequestration. I attempted to deal with Bank of America on my own and numerous times, over the course of 18-24 months, the agents I actually got to speak to told me NOT to make any payments toward my mortgage. I was told the payments would not be applied toward my mortgage and would be sent back. I attempted to make a payment or 2 anyway but as the agent told me my payments were returned to me. At the time I had paid a significant amount of the mortgage down but got behind due to the above reasons. Eventually I was forced to hire an attorney which cost me over {$10000.00} to have this matter taken care of. We ended up in court and a judge ordered a modification which I ultimately accepted. The problem was that because of the amount of time all of this took I ended up with over {$110000.00} in fees, interest etc. tacked onto the end of my mortgage. Additionally the terms were changed from a 30 yr mortgage to a 40 yr mortgage. My outstanding balance skyrocketed from {$270000.00} to over {$400000.00}, which is more than what I even bought the house for. Since this incident Ive been buried and struggling to make ends meet as I am the ONLY working person in my 4 person household. To this day my house is in foreclosure ( no sale date has been scheduled ) and things have only gotten worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX # XXXX, XXXX  Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX  Acct # XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX Account # 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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.