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

I explained to the Customer Service Rep. that this is not my Loan and can they please remove my name. I did not co-sign for this mortgage. They refuse to listen to me. My XXXX XXXX was XXXX and now it is XXXX.
Product: Debt collection

The company keep calling my place of employment and personating as someone else also harassing me when I have asked not to contact me or my place of employment
Product: Credit card or prepaid card

I submitted a dispute Paypal and Paypal Credit regarding a fraudulent and unauthorized transaction on my account. After they " investigated '' I was informed the charge was not unauthorized. I do not know the retailer, do not know what was supposedly sold to me, and never received anything from them. 

I called both PayPal and PayPal Credit to request my account be closed, however, they told me that the account can not be closed because there has been transactions within the last 180 days. 

I have no way to stop this fraud, nor any way to stop future fraudulent activity by closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again on XX/XX/XXXX Syncblowes pulled my credit without my knowledge and or permission
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Fraud, incorrect address, company is not following the law. Violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX 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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Harassing phone calls XX/XX/XXXX @ XXXX Missed call XX/XX/XXXX @ XXXX Called wife and asked me to call back. 

XX/XX/XXXX @ XXXX Called and she asked about my loan. Then told me I was paid, then apologized for calling XX/XX/XXXX @ XXXX Another female called and said the first female was wrong and I owed over XXXX. I informed them that I needed to buy propane for the house and was unable to make the payment. She proceeded to pry and ask how much money I made, how much my check is and when I get paid. Accused me of fraudulently reporting my income. 

XX/XX/XXXX @ XXXX Called and accused me of refusing to pay debt, then called me a 5 year old. Stated you better find a way to pay by XXXX. She continued to ask about how often I am paid. Told me to sell my vehicle and give them the money. 

XX/XX/XXXX @ XXXX Called me and I couldnt answer because I am at work. 

XX/XX/XXXX @ XXXX Then XXXX called work, refused to tell me who she was and why she was calling. Called within seconds of each other.
Product: Credit reporting or other personal consumer reports

Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, XXXX XXXX had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and XXXX XXXX by continuing to report old and unverified information.
Product: Credit reporting or other personal consumer reports

Three accounts by the same company requesting a Debt Validation XX/XX/2024 Amount : {$680.00} and action direct mail XX/XX/2024 XX/XX/2024 Amount : {$730.00} and action direct mail XX/XX/2024 XX/XX/2024 Amount : {$760.00} and action direct mail XX/XX/2024
Product: Credit reporting or other personal consumer reports

EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EXPERIAN is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Consumer Loan

BMW financial reported on our credit report that payments were not made for a 60 day period for my auto loan during the time I had a lease on a XXXX XXXX. This particular car was in the repair shop for over 8 weeks total over the time of the 3 year lease - the late payment that is being reported on both my wife and my credit report was during the period the dealership that sold me car said they are trying to get this car lemon under the lemon law of the state of Florida. Previously to this situation all payments to bmw financial were always made on time. The dealership told me they were actively trying to get the car fixed or replaced in a timely manner since my situation fits the criteria to have a new car so I held my payments with the anticipation that it was going to be done like the said and it would be quick. They also recommended that if I called XXXX XXXX and let know my concerns maybe they would help move the progress along. I wrote to the CEO directly and called bmw financial and explain my situation. I told them that I am holding my payments per the dealership because that may help them move on get the situation corrected - I trusted the dealership because I had bought XXXX cars from them before and believed that they would get this corrected. however, that did not happen I did not get the car replace but what XXXX did was to give XXXX or XXXX payment back for the time for the time I did not have use of my vehicle but that being said they still marked my credit report for delinquent payment even though we were trying to work out this situation. I have written to the credit bureau to get this resolved but it has not been corrected - the loan has been closed but both my wife and my credit report has been adversely affected for no fault of our own. XXXX acknowledge it was their problem but I am being hurt because no one communicated with bmw financial. Prior to this situation we did not have any late payments to bmw what so ever but now its adversely effecting my ability to gain credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Accordin

g to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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: Student loan

Nelnet is my new student loan provider. Ever since I have gotten on the platform, my " amount due '' has been {$0.00}. But this is not correct. I owe $ XXXX in student loans and have just been manually paying $ XXXX for many months now. Now that student loan repayment has restarted, I have no idea how to get an updated amount. It also does not allow me to set up autopay. When I try to turn " on '' autopay, it tells me my autopay amount will only be {$410.00} and not occur until XX/XX/2024. 

Not only am I not able to modify this, but with autopay " on '' you get a 0.25 % discount on your loan. This service is currently blocked to me, and on a $ XXXX loan that is major. I'm fully able to make automatic payments. But the system will not let me turn it " on '' so that it works properly. Therefore, I am unfairly being blocked from accessing this discount due to issues with Nelnet 's service. And I am unfairly being charged more interest. 

I have called and messaged the company multiple times over the last 3 months. They do not respond.
Product: Credit reporting or other personal consumer reports

I also stated that I have previous credit reports from the Credit Hero Score that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXXXXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Product: Credit card

On around XXXX of XXXX, I opened at Discover IT secured credit card. I opened the card with a {$300.00} security deposit. As time went on, I expected the card to graduate to a non-secured card and be converted into a regular card. Upon graduation of the card to a non-secured card, I would receive my deposit returned. The graduation never occurred. On XX/XX/XXXX, I closed this account with no balance or pending charges on the account. The account had {$300.00} of {$300.00} available. Upon closing the account I called customer service to inquire when I might receive my deposit returned back to me. I was informed it would be at least two billing cycles plus ten days. I feel this is absolutely absurd considering there are no outstanding charges and/or pending charges assessed to the account. I feel my deposit should be returned to me in a much more timely manner than in excess of sixty ( 60 ) days. It didnt take this amount of time for Discover to receive and apply my deposit upon opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an incorrect inaccurate bankruptcy being reported on my credit report disputed it in the past Transunion came back said it was verified with the court house which is incorrect contacted the courthouse they assured me they did not and do not verify bankruptcy to third party companies and yet they claimed they did also sent them the letter from the court house and yet its still being reported also they are also reporting unauthorized inquires on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX  XX/XX/XXXX Account Number XXXX XXXX  XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

Account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. I am asking that the credit reporting agencies EXPERIAN, XXXX, and XXXX conduct an investigation into inquiries that I believe to be incorrect on my credit report due to fraudulent activity or a data breach. I have heard of companies pulling peoples credit without permissible purpose. I will list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter or remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( reported twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022 2022
Product: Mortgage

Hi On XX/XX/2020 I closed on my new construction home as advised by my lawyer XXXX XXXX go ahead and close due to the pandemic the CO is on someone desk waiting to be signed now 3 months went by the town will not issue a Co for the house because of a list of problems with the property Ive notified my lawyer which is no help Ive contacted XXXX XXXX builder  which was XXXX builder before and cross country mortgage. No one is ever willing to help. They did some repairs and still not up to town standards. Im a XXXX veteran. All I get from everyone is the run around. This builder, mortgage company and both my lawyer and theirs are no help. Please guide me to what I should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies with XXXX XXXXXXXX XXXX  reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to Trans Union and XXXX. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXXXXXX XXXX XXXX be deleted from both XXXX and from TransUnion just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
Product: Debt collection

I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.