23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> I disputed an account reported in by XXXX XXXX XXXX/ XXXX the file you maintain under my Social Security number. 
I was informed on XXXX XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.
Product: Money transfer, virtual currency, or money service

I used my VISA debit card at an HSBC ATM in XXXX, XXXX, XXXX to withdraw funds in pesos from my American checking account. I checked the exchange rate and it was over XXXX pesos per USD. When the ATM presented the details of the transaction the exchange rate was just over XXXX pesos per USD. 

The same screen offered the option to accept or reject the transaction so I pressed NO. The machine finished the transaction anyway and produced the pesos. I found an employee and explained that I had rejected the transaction and she was not helpful at all. 

A friend gets me pesos at his bank where the exchange rate is equal to or very close to the published rate and they only charge a small fee of about XXXX pesos. I reimburse him using XXXX. 

The actual exchange rate is not the issue. I was cheated out of more than {$55.00} in a transaction that I had specifically rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C system is a collection for XXXX XXXX.I lived in XXXX, texas XXXX XX/XX/2016 I XXXX with XXXX and moved to XXXX, texas this is my present home.upon moving here in XX/XX/2016 XXXX XXXX was NOT available in my location!!! I then called the cable company and had cable tv installed.I am on a collection {$320.00} for not continuing my service with XXXX??!! I had this collection removed from my credit report two years ago but now I C Systems a new collection company once again placed this derogatory information in my credit report
Product: Debt collection

Today I received a call from Ally Financial, which left a message on my telephone asking for contact information for my brother, XXXX XXXX, because he " owes '' them money for a debt. I am not XXXX XXXX. I called the company back at XXXX, ext. XXXX and spoke with XXXX, the woman who left the message on my phone. I informed her that she violated FDCPA by contacting me and informing me of my brother 's debt and that she needed to not contact me again. She said she would not stop contacting me until I verified who I am. I said she needed to stop calling immediately and she hung up the phone. This is harassment and I am not going to stand for it. I would like to file a formal complaint with the company and have them punished for harassing me while I am at work. Thank you, XXXX XXXX XXXX
Product: Prepaid card

Received Netspend deceptive mail with read debit card. Says to activate like I signed up for a card. Then says it 's like a checking account with routing number. 

Had to search the internet to find out about this company. 

Fees are ridiculous as well. EVERYTHING you do have a fee. No banks or credit card companies do this, no one would have any money left.
Product: Mortgage

Insurance/Mortgage Fraud by New REZ ( now different name, keep changing names ), Shellpoint ( Servicer ). Took 126 acres raw land additional beyond land associated with the home approx 40 acres. Could not sell, nor tap equity, now abundant with current market. XX/XX/2021 began 4 month seize of vandalism harassment to home. State police/sheriff refused service to my countless complaints regarding incidents. Felt my duty to protect FHA responsibility. No one will assist. Did not receive insurance payout for claim to repair home. Mortgage payment is for entire 168 acres. The bank unknowingly purposely took additional value of land for unknown purpose/back deal. All part of the harassment to get me to walk from my home. When I originally purchased additional land was for investment. Land 168 divided into 4 parcels - 1 parcel devoted to home. I need additional released from this land to sell without a lien.The bank has refused a release. Bank demanding a survey. The county clearly has identified 4 separate parcels. One for home. I am currently in temporary forbearance plan as I navigate my options. My credit is now in bad shape due to elder finance loss and exploit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.
Product: Credit reporting or other personal consumer reports

Concerns Regarding Collection Practices Under 18 USC 894 I believe that the below agency may violate certain provisions under 18 USC 894, which pertain to extortionate credit transactions. Portfolio Recovery Associates and XXXX XXXX XXXX ( a ) Anyone who knowingly engages in or conspires to participate in the use of extortionate means : ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be subject to fines under this title or imprisonment for a term not exceeding 20 years, or both. ( b ) In any prosecution under this section, to establish an implicit threat as a means of collection, evidence may be presented indicating that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat is alleged, collected or attempted to be collected through extortionate means, or that the non-repayment thereof was punished through extortionate means. ( c ) In any prosecution under this section, if the evidence is introduced indicating the existence, at the time the relevant extension of credit was made, of circumstances described in section 892 ( b ) ( 1 ) or section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor regarding the creditor 's collection practices is unavailable, then, to demonstrate that words or other means of communication used as a means of the collection did carry an express or implicit threat, the court may, at its discretion, allow evidence to be presented indicating the reputation of the defendant in any community to which the person against whom the alleged threat was made belonged at the time of the collection or attempt at collection. These agencies have violated my rights and continue to do so.
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. 




CLOSED ACCOUNTS : XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX 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: Payday loan, title loan, or personal loan

Tower Loan of XXXX XXXX, Ms Calls my Job 6 times Everyday and Call my Phone 20 times a day and Calling other people that I put as a Reference after I told them I will get my loan Payments caught up. And also calling from one other number!! 
When amswer just be so Rude and Talking to me like I am a child!! 
I will not get with this loan company again!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX, TEXAS XXXX XX/XX/XXXXXXXX  NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ). 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agencies under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Send payment immediately via Certified Funds to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX app alerts have been popping up with XXXX XXXX  and Website Surveillance alerts. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I C SYSTEM I C System, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

Experian asked me to provide proof of police report among other information in their letter to me dated XXXX XXXX to have the XXXX card account blocked I submitted all documents requested on XXXX XXXX they did not block the account and they did not investigate the dispute for the credit report number where I submitted all the information its been over 45 days with no answers.the credit report number they did not investigate is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 student loans for my 2 XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Product: Debt collection

On XX/XX/2022 called the attorney office Johnson Mark LLC from Utah, collecting for XXXX XXXX XXXXXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}
Product: Debt collection

I receive a letter today from American coraduis international LLC Like I have a debt I have no longer XXXX XXXX cant connect on my XXXX, the XXXX XXXX XXXX
Product: Debt collection

No amount was given to me that I owed because they wanted me to verify my social security number and I refused. I requested a written notification and he yelled that one had already been sent but I never received one. We have asked that they stop calling and the guy called twice after and left a voice message. Then we received a call from a XXXX XXXX threatening to have someone knock on our door and serve us papers.
Product: Money transfer, virtual currency, or money service

I transferred {$250.00} in XXXX to overseas using Western Union. Paid {$250.00} with my XXXX XXXX Credit Card. The transfer was treated as Cash Advance, so XXXX XXXX charged me additional XXXX , and more as interest. When I called XXXX XXXX, they explained that this was due to Western Union Transaction, and they said there was no way for me to pay this fee unless I pay off my balance. I called Western Union, and they said they would do their best in the future to notify their customers better on what this transaction would be treated as. When I searched online, I found that many other people were impacted negatively from this cash advance transaction, and they did not find out about it until they saw that they were charged for it.
Product: Student loan

I have repeatedly asked to reduce my monthly payment to a more affordable payment and my only option is {$800.00} a month. In order to keep this " low rate '' was forced into giving Navient my banking account information. This payment is almost the same amount as my rent payment.
Product: Debt collection

I called multiple times and tried in different ways to verify my debt and they have not shown me any proof to verify the debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

File dispute with XXXX XX/XX/XXXX Contacted Wayfair XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was a victim of Identity theft. I had an onslaught of negative items appear on my credit reports, which gravely affected my life. It affected my ability to rent a place to live, secure a security clearance, and took me almost 4 years to recover from. I am now in escrow which is supposed to close XX/XX/XXXX. One item remains on my credit report, which I have disputed, sent a police report, an FTC Fraud Affadavit ( notarized ), letters, details. The company is Grant Mercantile Agency, and the amount is {$520.00}, placed on my credit on XX/XX/XXXX. They will NOT remove it from my credit, and it is having a high impact on my loan. They continue to not remove the item from 3 bureaus. They sent me a letter with a very long list of items needed, which I responded to ( took a day off work to gether the information, spent money to send certified next day ), and they still will not remove it. The police report states I was a victim of burglury Code 459, and Identity Theft 530.5PC, and the defendant was named in the report. This company is not following the Fair Credit Reporting Act guidelines, and they are affecting my livelihood, for 4 years. PLEASE assist me in having them remove this fraudulent information from my report. I have no association with this company. I sent them Police Report, FTC Affadavit, Drivers License, Social Security Card, letters, proof of address, and  everything they have requested. I appreciate your help.
Product: Debt collection

I was contacted by Dynamic Recover Solutions ( XXXX, SC ) about a debt from 2001 that I supposedly still had n't paid. I do n't have a debt outstanding from that time, plus it 's been XXXX years. They rattled off ALL of my personal information, including my SSN, address, current loans, phone number, etc. this is VERY scary. 

I told the person that I wanted to dispute the collection and they said I could " settle '' the collection for {$150.00}. The call ended and I decided to do some digging online about this company. Come to find out, they routinely contact people with fake outstanding balances, most of which stem from XXXX years ago. They press and press and press to get vital personal information turned over to them. 

When I arrived home, my wife had informed me that she had received a call from them too. XXXX minutes after my call. This is an obvious phishing scam, and I believe these people need to be stopped and prosecuted for fraud. It 's insane to me that there pages and pages of complaints and XXXX submissions, yet they are still calling people.
Product: Credit reporting

Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal information
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new letter that I was the victim of fraudulent activity. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX Owed : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXXXXXX XXXX ) XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX SERVICE XX/XX/20, XXXX BANK XXXX XXXX, XXXX XXXX XX/XX/20 XXXX XXXX FINANCIAL XX/XX/20, XXXX OF XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20.
Product: Credit reporting or other personal consumer reports

I was affected by the XXXX data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit report effectively iimmdiately.Iam attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include XXXX, Experian and XXXX.