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

I did not provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 

In addition, I have attached documentation for public records in accordance federal consumers law U.S.1681b.this information is clearly being intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. In addition, the reporting agencies removed all accounts per previous filing and placed them back on my report without any written notice within allot time frame of 5 day.s XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please correct and remove all names that are not associated with my legal identification. All documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian and XXXX have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.
Product: Credit card or prepaid card

XXXX XXXX XXXX To : XXXX Cc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I have been trying to get a credit for a charge of {$350.00} and exp said they credited me to act XXXX. Well, the new credit card co did not post it to my new account number # XXXX so there is a credit I should have that is in limbo somewhere. I need someone to look into this as it has been 3 months of trying to resolve and no one is helping at XXXX. The note below is from the co-eXp that is showing the refund. 
I have also called them numerous times to the bank and on hold for an extended time. 


Hi XXXX, The refund for XXXX {$350.00} was refunded to you on XX/XX/26. Please see the image below. The card that was refunded ended in XXXX. Thank you XXXX -- XXXX XXXX XXXX Billing Sr. Team Lead Account Solution XXXX XXXX XXXX
Product: Credit card

I scheduled a {$75.00} payment on XXXX XXXXXX/XX/XXXX, to post on XXXX XXXXXX/XX/XXXX ( XXXX XXXX ). I selected the desired bank that I wanted the payment taken out from, and finalized the transaction. 
Unfortunately, XXXX XXXX XXXX prehistoric system glitched, not for the first time, and selected the other bank attached to my account to remove the payment from. I called in the afternoon of XXXX XXXX to rectify this issue, but the payment is already processed - unlikely for a system that, to be generous, is not state-of-the-art. I was also told that I will inevitably be hit with a returned check fee, and that I have to go through the rigamarole of an 'investigation ' to have the fee ( possibly! ) returned. This is sickening and disgraceful.
Product: Debt collection

The first I herd about this debt was XX/XX/20 I called and tried to work with them, I never heard back from them until XX/XX/20, Once again I tried to work with them I first spoke to a XXXX XXXX at MCM he gave me the option to pay today or send my account to an attorney XX/XX/20 I explained to him one day is not a reasonable time to give someone to pay a lump sum or be sued without notice. XXXX advised my they received my account XX/XX/20 and it was going to an attorney XX/XX/20. I spoke to his Manager XXXX XXXX who was very rude and unprofessional asking me personal questions that had nothing to do with the account, he then stated he was sending my account to an attorney tomorrow because I'm refusing to pay, I explained to him i was not refusing to pay on an recorded line he stated i was, I just don't understand how you can threaten to sue someone without proper notice. I'm sure this has to be in some kind of violation.
Product: Student loan

Navient is a rate reduction offering to lower interest in loans. XXXX Ive asked countless times, Can anything else be done to lower my payments? they say No repeatedly, when that is not the truth. I found out about the rate reduction option through several articles online. An option for an interest rate reduction should be disclosed when people ask.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/year>, noticed unauthorized and inaccurate information on all three of the credit bureau report.
Product: Checking or savings account

I received the XXXX XXXX XXXX  to avoid having troubles with the passcode sent to my phone that for the bank is " not elegible '' to send this. 

Since I opened this account I never received the debit card to enroll in the online banking, and now I called and spoke with the supervisor because again are requesting to send the passcode and are not acepting the XXXX XXXX XXXX that the bank sent to me to avoid this trouble. 

I need a debit card to the same address ( mailing address ) where the XXXX was sent, and also a pin reminder.
Product: Debt collection

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Product: Debt collection

On XX/XX/2022 I received a debt collection notice from Receivable Solutions, LLC ( RS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. They were attempting to collect a {$270.00} medical bill. I called Receivable Solutions on XX/XX/2022 to dispute the charge however I stated that I was " making a complaint '' about the charge. The RS operator said that I had to make the complaint with the provider, which I did do. I was advised the next day by a third party legal advocate that I needed to " file a dispute '' with RS not " make a complaint. '' XX/XX/2022 at XXXX am I filed a dispute in writing ( email ) to RS at the email address provided by RS in their letter. I did not receive any response from RS to date. Yesterday XXXX I was completing paperwork for a loan, when I found that RS had reported this disputed debt to the credit bureaus. Also, yesterday afternoon I received a letter from RS stating " we did not receive a response from our previous letter '', which indicates they chose to ignore my dispute filed XXXX, and this letter demand for payment was dated XXXX. When I called RS this afternoon to remedy this issue, they said that disputing the debt did not prevent them from reporting it, they further stated that they had 30 " business days '' to respond to the dispute and they were allowed to report it to credit bureaus even while it was disputed. The operators supervisor had no knowledge that I had even filed dispute and had to ask me how I filed it. Once I explained it was an email she made the excuse that they had 30 business days but still never acknowledged whether or not she had seen the dispute. She said that if I paid the total amount requested they would remove it from the credit bureau, simply ignoring the fact that I was disputing the bill. The timeline is as follows : First Letter received XX/XX/XXXX, XXXX First call to RS was made XX/XX/2022 at XXXX am.. Follow up dispute email was sent to XXXX XX/XX/2022 at XXXX XXXX XX/XX/2022 I was notified they had reported negatively to credit bureaus, also I received a letter from RS that same day dated XX/XX/2022 stating they " did not receive a response '' ( not accurate ) I called RS this morning ( XX/XX/2022 ) they ignored my complaint related to the dispute and attempted to persuade me to pay the disputed debt by refusing to remove credit reporting unless I did so. They audio recorded the entire conversation and should have record that they attempted to persuade me to pay it today even though it was disputed and attempts to collect the debt during the dispute should have ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I had been approved by Capital One to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my XXXX XXXX and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my XXXX XXXX in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit reporting or other personal consumer reports

I have previously disputed the bankruptcy that is listed under judgments on my credit report. This is was by the United States bankruptcy XXXX XXXX XXXX XXXX North Carolina. TransUnion, XXXX, and XXXX in response verified that the item as accurate, stating that they have verified information with the Courts. I have contacted the court and their response is Enclosed. It is clear they do not report to any of the reporting agency so the original response was an error or a lie. Earthier way the reporting requirements don't comply with the FCRA sub section 611 15 U.S.C. sub section 1681 and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. This is in clear violation of my rights. This has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

Chime account was hacked and someone stole my money XXXX
Product: Payday loan, title loan, or personal loan

I took out a personal loan. Of {$1500.00}. My first statement was the balance was {$1600.00} with my biweekly payments of {$330.00}. Beginning XX/XX/XXXX. I come to find out to try to pay off my loan I owe {$2400.00}. And every payment that I have made biweekly since XX/XX/XXXX has all gone to only interest to them. Nothing has come off the principal balance. I called them to change my bank account information in early XX/XX/XXXX. and they never updated it and have put my account into delinquent status because they tried to pull from a closed account. I was not aware I had to pay all the interest upfront for payments before they even start taking amounts off the principal. Also when I requested to change my account informations they told me the only thing I have to do was fill out the new direct withdrawal form with my new routing number and email back. Then when I call to pay off and ask why my account is delinquent they told me I have to have a 3 way call with my bank to change my bank information to the new bank. Which has also lead to fees changed by my old bank for insufient funds.
Product: Mortgage

I am the spouse of an XXXX service member who has been XXXX. I have been aggressively working with Citimortgage in an attempt to get a loan modification which I was told had been exhausted. I then asked to proceed with a short sale and am in the process of submitting documents when a Trustee Sale Date is posted on my home. I have no less than XXXX investors wanting the property and they have n't given me the time to submit the documents ... .again. I received the packet Saturday and returned it today and i afraid they are going to sell this property while im working on the short sale solution
Product: Credit reporting

XXXX has negative items on my credit but XXXX is a 3rd party debt buyer that sells the loans as investment vehicles which means they do not have my loan any longer. Since they did not have my loan and do n't know where it is all negative marks should removed from, y credit. It is illegal for XXXX to collect money on a loan that XXXX no longer owns, this is a criminal act and needs to be investigated. The only loan that I owe on is the co-signed loan but the other loans that " XXXX allegedly has '' are no longer valid because they have to proof they own the debt, they have the right to collect on it which they did n't. The only item I received from was something from XXXX XXXX XXXX, XXXX no longer owns my debt and they are a trust not a lender like XXXX claims. Even XXXX XXXX from XXXX advised me that XXXX is not a lender and not sure sure why XXXX told me that. XXXX is a 3rd party debt buyer, not a lender at all and they never were. I talked to the credit bureaus and they advised me that XXXX is suppose to remove any negative items if hey do not have proof of ownership from XXXX. If XXXX were to sue me, they would need this information which I never received. XXXX never sent proof that they have ownership of this debt or where my loan currently is. I want to move my loans to my bank but I ca n't until this problem is resolved. I do not want to do business with XXXX, they engage in shady business practices. Their reps lied about an amount I owed and then they keep trying to force to do auto debit even though I wrote them a letter telling them I will never do auto debit with them, I do n't trust this company and they should be shut down.
Product: Credit reporting or other personal consumer reports

XXXX  , XXXX, Equifax didnt remove late payments
Product: Credit card

Citi bank denied credit card 15 subsection 1611 Denial of credit ( unlawful ) 15 usc code 1692 J These are your codes. I did not pull them out of a book.

Its my job to make sure you enforce these codes.

The consumer finance protection bureau must enforce these codes. 

I am a XXXX XXXX XXXX not a XXXX XXXX  XXXX laws dictionary meaning uncompendent XXXX. 

I will make sure these codes are enforced. Under my fee schedule I can give you {$50000.00} For not following the United States codes ucc and usc codes.

I can also fine you {>= $1,000,000} per attempt for billing my social security number. This is why u ask me for my social security number to get access to my account as a authorized agent. This is not to protect me as all your companies say. Thats a ly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX acct XXXX, XXXX acct. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being hit with a hard inquiry on XX/XX/2017 from state farm. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax not only conducted a botched dispute on my behalf but they completely destroyed the information on my credit report. I contacted them with a dispute that the company XXXX XXXX was showing twice on my credit report. I advise them that I paid the account off in full and was never late. This information was reflected on their credit report. Then they had the same company on my credit report as never being paid charged off and paid off by the dealer. This account was inaccurate. In stead of then fixing it during their dispute. They deleted the correct information and left the incorrect information. The other two credit reporting agencies has this information reflected correctly. Equifax not only has this information correct but even on my credit report they have no information to back any of their claims. No payment history nothing everything is now blank. The only thing showing is paid off by the dealer for a joint account that I never owned. This is negatively effecting my credit score under equifax. XXXX and XXXX have my score reflected correctly at XXXX however equifax has my score at XXXX. How are they allowed to report inaccurate information and still be considered reliable for reporting credit. Can someone please look into this. I paid this company every month on time and paid off the car with no problem. They did not conduct an investigation because the company responded to the other 2 reporting agencies that the information on me owing a debt was incorrect. Equifax lied on my report.
Product: Debt collection

Medically billed while in military full coverage as XXXX XXXX XXXX. XXXX since XXXX XXXX XXXX. XXXX coverage, never received a bill or notification to collect a debt. 
Valley Credit Service contacted me and stated they will correct the mistake in XXXX XXXX. 
The debt collector is Valley Credit Service XXXX XXXX. XXXX XXXX XXXX, VA.