23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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, credit repair services, or other personal consumer reports

I recently received a notification from XXXX XXXX  that my personal information was exposed during a data breach taking place earler this year. 
I also received a notification that a creditor on my credit report ( XXXX  XXXX XXXX XXXX had a data breach where my personal information was exposed. 

I have an inquiry on my credit report that I did not authorize or solict their products. 
XXXX. XX/XX/2023. XXXX I contacted XXXX on XXXX different occassions : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023. On all these occassions I was told that the item would be removed and was giving a conformation number. But whenever I called sharing the conformation number I was told it would take up to 30 days to be removed. During the last call I was told " it was not removed because we could not read your driver 's license '' I asked to speak to a supervisor and was put on hold for XXXX minutes and once someone answered the call was disconnected.
Product: Consumer Loan

To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.
Product: Credit reporting or other personal consumer reports

Ive contacted Checkr to report an inaccurate background check
Product: Mortgage

I sent the following email to National Asset, but I continue to receive calls from them on my cell phone during the day, while I am at a work. I have asked to please contact me by email or after XXXX XXXX by phone, but they have ignored my request. I just received another call to my cell phone at XXXX XXXX.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX <XXXX> To : XXXX   <XXXX> ; XXXX   <XXXX> Cc : XXXX  <XXXX> Sent : Tue, XX/XX/2018 XXXX XXXX  Subject : LOAN NUMBER : XXXX - XXXX & XXXX XXXX Re : LOAN NUMBER : XXXX - XXXX & XXXX XXXX  Property Address : XXXX XXXX XXXX , XXXX, NY XXXX Dear XXXX and XXXX , Please place a note on our account, in regards to the above loan number. to please contact us by Email only at XXXX.

We greatly appreciate it. We can not receive personal calls at work and we do not get home from work until after XXXX XXXX.

Please let us know if you have any questions.

Best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to validate and delete inaccurate information from I credit report. I have provide the necessary information to verify the debt through them and the creditor. There should be consequences for this type of negligence. I am attaching the print out that I got directly from their credit report showing the inaccuracies..
Product: Debt collection

I have been back and forth with this compan y Midland Funding for  an original amount of  XXXX  in which I was forced to make payment arrangements in fear of having a judgement against me. I have attempted to send a dispute letter in which i will attach and resend out to the company again. I have signed no such contract with this company over the alleged debt, nor do they possess anything with my signature. At this point I am asking to be sent a valid copy of any contract that bears my signature to confirm that I owe them anything because as i stated i have no knowledge of this company besides the summons that i received from them. The only contact that I did receive was from a summons that was sitting on my door in which my daughter had given to me.They never responded to my initial dispute letter that was sent out but this one will be sent certified mail.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My personal information where used to open several accounts under my name that I did not authorize or give consent to do so per Consumer ID XXXX XXXX XXXX XXXX has been a victim of identity theft Federal Trade Commission report of inquiries as well as inaccurate information
Product: Debt collection

Portfolio recovery associates has harassed me for 2 years now off and on, i have tried to explain to them this is not my debt inXX/XX/2017 when they first started calling me, they call my cellphone 2 or more times a day everyday at all hours, they continuously mail me letters and for the second time they have placed a collection on my credit report. They are a horrible company and their employees are rude when i did try to explain to them they had the wrong person!
Product: Student loan

Navient continues to provide me with terrible customer service. Their website is never accurate with payments due, so several times i have " underpaid '' according to them and continue to get penalized for mal informed data. Additionally, i have on more than one occasion put in requests for calls to be investigated by their representatives which has never been followed up on. They only ever offer me interest only payments which i have been on for 5 years meaning there has been no dent in the principal balance which is {$100000.00}. In XXXX XXXX, i was placed on an interest only plan for a few months and they literally changed the amount everytime i called. In XXXX XXXX, i lost my job and was unemployed and they literally were unable to significantly lower my payments or offer me any valuable solution. Since XXXX XXXX i have been in dispute with them over a representative call in which a rep advised me of a payment due and apparently misallocated the loan payment which magically left 1 loan delinquent. I asked for the call to be investigated and based on the new reps answer it was not and the manager wouldnt get on the phone with me. Their website isnt accurate, their reps constantly provide me with incorrect information. Everything about them is fraudulent and i am considering taking legal action because it is unethical and illegal for a company to defraud millions of student debt holders including myself. And nothing has changed or been resolved
Product: Debt collection

This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. 
It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous address listed under the Personal [ I ] nformation tab of my profile with Experian is reported as a TRADE CONTRACTOR-SPECIAL TRADE, pertain [ ing ] to a business. Having therefore not resided there for several years, any activity associated with this address should necessarily not have anything to do with me. As such, I insist that this information be removed from my credit file/report at once. Same goes for another address listed with Experian. Although, I should add that the latter was an assisted living facility ( i.e. business ) when I was there briefly. I, however, resided in an independent flat/unit, hence address characterisation/description XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was last paid on XX/XX/XXXX and was previously deleted from my credit report but reappeared on or around XXXX. In addition, the property was sold at auction in XX/XX/XXXX but the reports are still showing a balance and amount due which seem to be a FCRA violation. Washington is a non-recourse state. I desire to have this old account deleted from my equifax report. I have already tried the equifax dispute process to no avail.
Product: Money transfer, virtual currency, or money service

I was buying something from this guy online for exactly XXXX XXXX we went through paypal. Didnt work, then cashapp, didnt work. Then XXXX, Didnt work. And then we finally landed on zelle. After he sent the money he shipped the item ( he didnt ) and just ate my money I need help ASAP. The bank denied me my money back
Product: Debt collection

ACIMA DIGITAL FKA SIMPLE PUT THIS ON MY CREDIT REPORT I DID NOT OWE THIS COMPANY ANYTHING BECAUSE I DIDNT KNOW ANYTHING ABOUT A DEBT OR BILL THEY HAVE MY NAME WITH XXXX SPELLED 25 DIFFERENT WAYS WITH WRONG ADDRESS I NEVER RECIEVED A BILL OR ANYTHING WITH MY NAME OR SIGNATURE ON IT OR A CONTRACT. THEY SAY THE CREDIT LIMIT WAS XXXX BUT THE WROTE OFF XXXX BUT A PAST DUE XXXX THIS WAS IN XX/XX/2018 ACCT XXXX AMOUNT XXXX THIS IS WHY I HAVE FRAUDULENT PUT ON MY CREDIT REPORT BECAUSE STUFF LIKE THIS.
Product: Checking or savings account

On XX/XX/XXXX, I opened brand new account. XXXX  XXXX with Chase Bank . I funded {$500000.00}. I moved the money from XXXX XXXX. Since there is a promootion at Chase bank which stated that to qualify the bonus, I need to have the new money from other institution, and the funds need to be held by Chase. After 90 days, I should get the {$3000.00} bonus. 

Today is already XX/XX/XXXX, Chase still did not give me the bonus and Chase closed my bank account. Chase said they can not open my account. It is rediculous!!! On XX/XX/XXXX, I got bank statement from Chase. They opened my account already. 

Could you please help me on this matter. This is my saving money to support the family, Thank you so much for your help.
Product: Credit card or prepaid card

We made a purchase at XXXX XXXX using their Comenity Bank credit card, interest free for 12 months. We were told that if we make all the payments according to their billing, the purchase will be payed off in it's entirety, incurring no fees or interest. We did exactly that. With no notices or warning, they conveniently made their last payment due 2 weeks after the 12 month contract would expire. We have already overpaid our purchase to them by {$50.00}, plus another {$16.00} in interest they sneaked in our payments. They now want an additional {$590.00}. in interest and fees. We have spoken to their customer service representatives on XX/XX/2020, and even to the Floor Supervisor XXXX, his operator ID being XXXX, and were told that they couldn't do anything at this time, that's the way it goes. We are hard working honest people, and would've given them the extra {$180.00} if we were instructed to do so per our billing contract. He also told me that they have a warning statement that the loan is coming due, but this is in their website that you have to log onto, click around, and hopefully locate. Nothing was sent saying anything of this sort to my " Paperless Billing Email ''. All that my email said was that the amount due was {$200.00}, this not including the {$180.00} that would've paid this account in full, actually overpaid by {$66.00}. This is my Dilemma. XXXX  ( XXXX XXXX ) has exhausted their abilities to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve XXXX : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX 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 have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Uquifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according 15USC : I have the right to privacy and I did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed an account that was reported in accurately. I had 2 late payments that were in fact paid on time. The consumer agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of this report to this complaint on the following dates. Account # XXXX The payment for XX/XX/23 and payment XX/XX/23 were never late. Its showing payment for XX/XX/23 was 60 days late and payment XX/XX/23 was 90 days late. That makes no sense, especially since the monthly payment prior wasnt late at all. How could this be 60 days late. I am now requesting you investigate and provide your viable proof with record showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately.
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a duplicate trade line items on a collection in the amount of {$450.00} partial account number XXXX, for an account that was opened in 2014. ( Please see pages 11 and 12 of the attached credit report. ) This incorrect reporting is harming my credit score and this item needs to be deleted. I have contacted the bureau to resolve this, however I was  unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I only owned XXXXXXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received XXXX card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX times and must had called them XXXX times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX  days ago. I heard that at least XXXX times from different representatives over XXXX  months. They never called me back. I called them multiple times, they have made no progress, in past XXXX months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.
Product: Checking or savings account

In XXXX  the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/Department of Treasury for a distributed SBA loan XXXX XXXX. To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and no one knows what the bank did with this money ; it is obviously a fraud if the bank still has the money when they claimed they returned it to the SBA. In my eyes, someone at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me or SBA with accrued interest. I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when Capital One supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA. For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance, and the recent letter from Capital One dated XXXX XXXX, XXXX that claimed that Capital One is still in the progress of retuning the mosey to the SBA ; their process has been taking nearly two years without resolution. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.