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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this has violated my rights and I need it removed as soon as possible .

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 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

I am filling a compliant today, with a heavy heart and a sense of urgency regarding the inaccuracies on my credit report. As a dedicated and responsible individual, I have always prided myself on maintaining my financial integrity. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right To privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency Can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under a open end consumer credit plan as late for any purpose
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 this account 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 Items that need to investigate and correct erroneous reporting in the file listed on my credit report XXXX XXXX XXXX XXXX XXXX  Balance : {$40000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect items on my credit file several times asking for validation and verification, however the only response i 'm receiving is that it was verified. I responded with a certified letter requesting how was this incorrect information verified and to please send me the documents, the name and phone number of whom it was verified through. I even went to the courts whom stated they had no record of public record for me and that they do n't report to credit bureaus. XXXX is the only company reporting this on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX 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

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 Number Account Name # XXXXXXXX XXXX XXXX # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX have 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: Vehicle loan or lease

GM Financial refuses to respond to my multiply emails, phones calls and letters asking for corona-virus impacted financial situation, and potential request for resolution on the amount GM Financial is pursuing to collect. 

GM Financial it seems is NOT complying to the current economic and governmental issues that are effecting the XXXX  Loans that they service. Despite my requesting financial help/assistance from them on my current outstanding balance due to the Corona-virus impact, and an XXXX settlement, I have not heard anything from them at all!!! 

.
Product: Credit card or prepaid card

It has come to my attention that Discover has denied me credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me via email which is an adverse action pursuant 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Discover an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a loan application because banks can not loan money pursuant to 12 USC 1431. Furthermore, according to the FDCPA pursuant to 15 USC 1692j, therefore identified is noted to be deceptive. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report providing the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with respect to ANY aspect of a credit transaction as Congress states No credit card shall be issued except in response to a request or application thereof pursuant 15 USC 1642.
Product: Mortgage

I have been been trying to get a loan modification for over a year, and its been between XXXX different lenders XXXX XXXX XXXX and Select Portfolio Servicing. I do n't know how and why this note is being bounced back and forth for the past 8 years. I do n't understand why this being done without giving me notification and consent if I wanted to find another lender or not. After talking with another lender, I had requested a loan modification with Select Portfolio Servicing, and there is no trace of this at the request XXXX XXXX, they have not been able to produce the modification at all. I feel as I have been railroaded, and after that I was told by XXXX XXXX that they have put a {$5000.00} lien against me, I have not missed a payment. So I 'm not sure why and how this came about. Also I requested an escrow account for my taxes and insurance and was denied that as well. I currently am displeased with both companies.
Product: Credit card

XX/XX/XXXX Note : Synchrony will not return our call. This is the only way to get them to communicate.

We had mailed Synchrony Bank a certified letter on XXXX XX/XX/XXXX that they received on XXXX XX/XX/XXXX telling them to not open another card in my name. I have never activated any Synchrony credit card and close them as soon as they came in the mail. Last year we locked down our credit in an attempt to stop Synchrony from doing this ever again. 
XXXX XX/XX/XXXX Synchrony e-mailed us the enclosed. We did not have a card to report lost or stolen and Synchrony did not send us this new card # XXXX. We dont have a phone number on the card that I dont have, to call and have it closed. Synchrony did send us a statement for this card # XXXX, ( enclosed ) we received it on XXXX XX/XX/XXXX. 
The statement says it has a {$30.00} credit that was transferred from the previous card # XXXX, which had a {$0.00} balance ( see enclosed ). It was never activated and we had it closed. It says it has a {$9000.00} credit limit and {$0.00} available credit. We do not know who they sent this card to, but we did not get it. 
There was no {$30.00} credit on card # XXXX to transfer to card # XXXX. Did they make up this credit to get past our credit lock down? The final statement for card # XXXX, XX/XX/XXXX shows {$0.00} balance, not a credit of {$30.00}. 
We have never filled out an application for a Synchrony credit card, a business opened one in XXXX of XXXX and a scammer fraudulently charged to it. When we asked for a copy of the application, Synchrony said there isnt one. 
Card # XXXX has a {$0.00} balance as the business credited back all of the money that was fraudulently charged to the card. Synchrony had credited back the {$29.00} fee to open the card on the XX/XX/XXXX statement but still denied our fraud claim and will not correct my credit report. 
Solution : Synchrony- Tell me who you mailed card # XXXX to. 
And where you came up with a {$30.00} credit to transfer to the card # XXXX from a {$0.00} balance on card # XXXX that was closed. 
Stop fraudulently opening cards in my name. 
Stop ignoring me, as you have my phone number, e-mail, and address. 
Fix our credit report. 
Documents : E-mail from Synchrony re : lost card XXXX XX/XX/XXXX XXXX XX/XX/XXXX card # XXXX XXXX XX/XX/XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the court of the FCRA these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS
Product: Credit card or prepaid card

I filed a dispute with XXXX and the Credit Company. I sent 2 letters to both entities I have requested an answer to unauthorized charges that I refused to pay off. 
XXXX offered a credit due to the inconvenience and I asked the card to put an identity theft alert and the first time they apologized and blamed the first customer service representative. The second time I was told that unauthorized charges are theft when a beautician practices were shady at best. I kept her present from my birthday and told me I could smoke if I let her do my hair for an event on my birthday. When at the counter my charge was double and told the beautician I couldnt go over XXXX and was quoted a XXXX and paid that to the credit card company but the rest as I said to the teller and refused to sign and ignored and processed a card not in my legal last name or address in file and walked out. I was under the impression the manager would reach out and until I seen double on my bill i called and they still refuse to give me the investigation and XXXX will give a credit and thats fine they can than pay the balance for unauthorized charges without a resolution and ignoring every complaint. admitting and giving a credit on email and being charged and hit on credit card is illegal and want this resolved please. my last attempt to arbitrate a illegal transaction and failure by a credit card to shut down a card or resolve any issues showing my signature. Why? there is not one and refused and the beautician needs to speak up as she remembers and needs to be honest when a client cancelled on her and told me she had time to play. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. I previously sent certified mail requesting verification and validation of this account ; however, I have not received any response or documentation from your agency. 

I am now formally requesting clarification regarding the ownership of this account, as it appears to be pursued under different names, moving from primary ownership to trust and now to Aragon. This raises significant concerns about the legitimacy of your collection efforts and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I also request validation and a detailed description of the procedures used in your investigations along the documents completed after the investigation. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to send me this documentation within 15 days. If you are unable to provide the necessary verification, I expect the account to be deleted from my credit report. 

I urge you to address this matter as soon as possible and look forward to your prompt response.
Product: Debt collection

I do not need to speak to anyone at this company. I just need them to stop illegally trying to collect on this debt and remove from my credit report. 
This is the 3rd time I'm trying to address this with this company CAINE & WEINER. I keep asking for a document showing MY SIGNATURE that verifies this debt is mine which they have not provided. Their response to me has been printout of documents with policy and automobiles covered. Where is the proof I SIGNED for this so called policy? They have no proof this alleged debt belongs to me. As per FTC opinion letter from Attorney XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
They have not provided any document to me BEARING MY SIGNATURE ON ANY DOCUMENTATION that verifies or validates this alleged debt is mine. This company keeps ignoring my request for documents with proof of my signature and continues to mention policy printouts etc. Where is the document showing my signature that verifies this account is mine? I have requested this multiple times and they ignore my request and continue to illegally collect on this debt. This stunt by this company is nothing new. I have contacted an attorney and will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

This is regarding old credit card debt with Capital One. It was initially sent to a law firm that I set up monthly payments with and had been faithfully making them for quite a while, and then they suddenly stopped. A month or two later, I receive an introduction letter from XXXX XXXX XXXX our of XXXX, Illinois saying they were taking over the debt. I dont recall anything in the letter stating I needed to contact them or something bad would happen. I assumed they would contact me with what they wanted me to do because thats their job as debt collectors. This was months ago, possibly as far back as XX/XX/2018. I didnt hear anything else from them until my bank account was frozen yesterday, XX/XX/2018. When I called the law firm, someone there stated they only did it because they tried to garnish my wages but I didnt work there. She named a company Ive never even heard of, let alone worked at. At the time XXXX XXXX XXXX reportedly tried to garnish my wages in XXXX, I had had the same job for over two years. I file  taxes. I get direct deposit. How could they not find my actual job? I received no communication that the wage garnishment was unsuccessful and they needed job information from me. I have not moved. I have not changed my phone number. The only thing the woman kept telling me was that it was my fault that I didnt respond to the letter from XXXX. I feel like this frozen bank account could have been avoided and now I dont know how Im going to pay my bills the rest of the month. I dont really have family to ask for help so this is really terrifying. Furthermore, wage garnishment would not have been necessary because I would have wanted to set up a similar payment plan as to what I had before and assumed I would have again. But they did not contact me and took the most drastic action without even informing me ahead of time.
Product: Checking or savings account

I use Netspend and have multiple ( 5 ) accounts with them As normal netspend, netspend XXXX, among 3 others. This accounts all have unique emails associated with them that I use nowhere else and they are hosted on my own domain netspend @ ( example ) .com, netspendmlb @ ( example ) .com. Today I started getting fraudulent emails to these email addresses that only netspend knows about since I never reuse these emails. Either their systems are compromised and they are leaking emails or their employees are using these emails for fraud schemes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with DEPT OF EDUCATION/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false XXXXursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DEPT OF EDUCATION/XXXX  claim I owe. DEPT OF EDUCATION/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : XXXX Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries XXXX XXXX XXXX XX/XX/2021, XXXX XXXXr XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XX/XX/2021. 

Experian Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.
Product: Mortgage

Right now, I can not apply any additional payment because they charged a fee I can not look at or pay online. It just says you can't add additional payments at this time. They are making me pay more interest because they never notified me of this charge. This is the second time it happened, and I don't think legally they can do this. It was last year, about this time, the first time it happened. I sent emails to ask why we couldn't add additional payments, and they couldn't tell me why. I had to call a collection department to get it paid, and then I could start adding additional payments. It also shows up as a late payment on my credit report. That is how we found out about it the first time. 

It's happening right now. We usually add XXXX dollars a month to our principal. However, because of this fee, I can not see or pay online, and it is stopping me from making additional payments to the principal. 

Here is their website. 
XXXX XXXX XXXXnewrez.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company listed as XXXX XXXX and the creditor XXXX  XXXX have deliberately REINSERTED an old debt ( Acct # XXXX ) that was previously DELETED from my credit files in XX/XX/2023. The account is currently being listed twice for {$790.00} ( XXXX XXXX for XXXX XXXX ) and {$320.00} ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries, which are a result of fraudulent activity, be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Amount : {$32000.00} XXXX. US DEPARTMENT OF EDU - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$32000.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Dual tracking with ShellPoint, never got back asking for more docs going over multiple times, complete packets gone in. Still setting sale date and proceeding been sold over and over and I have Been trying to resolve since XXXX. No court action from XXXX while turning in modification packs
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stating these are not my items and I had nothing to do with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX  bank {$150.00} delinquency
Product: Debt collection

When I first found out about the debt, I call the hospital and told them that I did present my medical insurance to the person taking the information along with my id. I was told that the wrong code was used and that they will try again to submit payment. I did not hear anything back until I saw it on my credit. I call the collector and was told that I was responsible for the debt. I sent a copy of my medical insurance proving I have coverage. I am here today because I was directed to contact this agency for addition help.