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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all three of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX
Product: Debt collection

LVNV Funding LLC # XXXX has been seeking payment on a debt not owed. 
They are a debt collector. It is on all my three bureaus and want it removed asap.

The debt was discharged.

The amount is {$2800.00}
Product: Credit card or prepaid card

I was charged {$9.00} and for a dating app service. The app doesn't work due to technical issues. I did not receive any service from the company and attempted to resolve the problem. I opened a dispute with Capital One. Capital One recharged the {$9.00} amount without providing any details regarding the dispute. This is a violation of federal law, from my understanding.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a call that i though was from my bank. When talking to the person, I XXXX this person XXXX out of my personal account. immediately after this call I received a different call from my bank asking about the transaction. Once I knew what happen, I told the bank to stop the transfer. I put in a fraud claim with the bank to stop the transfer. This all happen wtihin a 10 minute span. While talking to the fraud division of my bank, they said that it is possible that I might not get my money back. I had to cancel my debit card and have a new account established. I watched my account for a few days and my money was still in my account, I had though that they might have stop the transfer. After about 4 days the money was transferred. I call the banks fraud division a week ago to see if they could retrieve my funds. They told me that the fraud case was closed and they could not get my money back. I hope you can help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I disputed my open HELOC account with Specialized Loan Service ( SLS ). On my XXXX  and XXXX  credit reports, SLS is reporting my HELOC as CLOSED with a balance. SLS purchased this account from XXXX on XX/XX/XXXX. My XXXX  and XXXX  reports from SLS shows a CLOSED date of XX/XX/XXXX. My account is OPEN CURRENT with no LATE payments. This error has caused me harm by reflecting a inaccurate debt to income ratio. I have been turned down for low interest rates because of this error. It is interesting that XXXX  is reporting my SLS account accurately, open current without late payments. Please help me obtain an explanation why SLS will not correct this error. I have disputed by phone email and certified letter without success. SLS blames the CRAs XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I have been having a really difficult time getting my credit report properly updated and have gone through months of disputing errors and balances that have been paid off with Experian, XXXX and transunion. I've made the disputes online, called, sent the disputes with proof of receipts, bank statements and even pay off notices and the disputes are coming back unchanged. XXXX has even removed my paid off balances and then posted them back. This has decreased my score XXXX points and once it was removed again it only increased it XXXX points. They just decreased my score again XXXX points without any reason. I still have yet to get an account updated to {$0.00} balance even after supplying all credit bureaus with the information. XXXX says the disputes are resolved within 2-4 days even when those days are holidays and weekends. The furnishers have stated directly they are NOT being contacted by the bureaus regarding these disputes and they are reporting the appropriate balances. I have no idea what to even do anymore, this has become beyond stressful and frustrating. I would really love for someone to look into these investigations and help me resolve they errors that are severely impacting my life and future. I'm willing to provide all forms of proof of investigations, any and all documents that were submitted, etc.the most recent dispute that I've submitted several times with all bureaus I have provided bank statements, receipts and the pay off notices. I have attached that notice here. I have 100s of pages of proof of these falsely " investigated '' disputes, unfortunately I can't attached everything as it won't allow me to due to the document sizes. If they were even looked at it is very clear this information is incorrect. Not only this, but all of them have extreme variations on the information. For example, Experian says I have no late payments on a past loan with XXXX and XXXX and XXXX posted 6-9 " late payments '' for the account over a year after the fact even when the account was paid off early and was never late. This has yet to be resolved. 29 page documents and evidence was sent to both of the bureaus with no resolution. I can't even write enough to explain all of the issues and frustrations, I'm trying to by a house but this will never happen if this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed XXXX {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting

A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XX/XX/XXXX, and discharged in XX/XX/XXXX. For XXXX years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied for a car loan as information supplied by XXXX ( on behalf of Nelnet ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my XXXX report ; my XXXX  and XXXX   reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, XXXX  blamed Nelnet for providing inaccurate information, while Nelnet blamed XXXX for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.
Product: Debt collection

XXXX XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. XXXX XXXX, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXX XXXX, I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to Plaza Services, LLC on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today Plaza Services LLC, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting Plaza Services website, I couldn't even find the case file. PLAZA SERVICES LLC, also stated their client who I presume would be XXXX, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
Product: Money transfer, virtual currency, or money service

PayPal has place a limitation on my account. 
Id. de referencia : XXXX XXXX I have a personal account and i don't understand why this happened if i don't have any problems with my account.. 

the payment that i received come from people that i know. 

I will like get help with this situation. 

I do not see any risk with received payment for services now my money is hold and i cant wait XXXX just because they made arbitration decision. 

Please need help on paypal
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to co-sign on a student loan for my granddaughter. The company would not approve the request. The company claimed these key factors affected their decision : Too many accounts with balances, too many inquiries last 12 months, proportion of balances to credit limits is too high, amount owed on revolving accounts is too high. All these factors are moot. Most of all my credit cards are down to less than XXXX balances. The reason for inquiries is that I am in the process of buying a house in Oregon. My credit score is XXXX as listed, yet they refused the loan. The credit reporting is behind current status. They should be brought up to date. Equifax is known to report incorrect data, please advise them to check the dates listed as these factors are from past months and not current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since JanuaryXX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy. 
15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports. 
15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.
Product: Credit card or prepaid card

XX/XX/XXXX I was on the XXXX XXXX web page and I was looking for a credit card that would not charge a fee to do a balance transfer. I put on the application that I would want {$8000.00} but I did not complete the application when I read the terms of agreement and saw that they charged a 5 % fee on balance transfers. I simply closed the web page not authorizing or requesting or agree to an account with XXXX XXXX. Barclays took it upon themselves to send XXXX XXXX XXXX {$8000.00}. I did not identify that I wanted the money to go to XXXX. XXXX acceptable the money from Barclays even though my XXXX account was balance-free and closed. XXXX then took XXXX of the XXXX and sent me a check for the balance. I never received the check. Barclays begins to email me and telephone stating I owe XXXX to them for the unapproved balance transfer. When I first spoke to a Barclays representative I asked, do I need to get the money from XXXX? I was told no, that this would be seen or processed as a fraudulent claim and therefore I was in no way responsible. I then received a letter from Barclays stating that I was in fact responsible and that I had gotten deep enough into the application whereby I was procuring their services and so I did request the money. I never received a credit card from XXXX XXXX, I never activated a credit card and I do not know this account 's number. Next I spoke to several representatives on Friday, XX/XX/XXXX where time and again they would say to me, we aren't going to go round and round with you, you have the money, pay it back. Not once did anyone listen to me that I didn't have the money, that perhaps they should be contacting XXXX to see if they had the money and that I simply could not understand how I was responsible for this faulty and misleading transaction. I was treated like a liar and a criminal when in fact I believe that it was Barclays who was subjecting me to unfair business practices and dishonest and unreasonable expectations. The matter was resolved on the phone when XXXX, a Barclays rep and XXXX, a XXXX XXXX XXXX agreed on a 3-way call that XXXX would send Barclays a check in the amount of XXXX and stop payment on the check that was sent to me by XXXX for XXXX minus the XXXX fee that they kept. All of this simply did not need to occur if the first representative I spoke with at XXXX XXXX had listened to me when I stated that I had not completed the application and my husband and I had gone to our credit union, secured a personal loan that included paying off the XXXX XXXX balance and subsequently closing that account so that I didn't feel I have any responsibility for retrieving their misplaced balance transfer. None of this was pleasant and it took up countless hours on the phone and online trying to get them to listen to me.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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
Product: Debt collection

XXXX violated my privacy rights and they also violated rights under federal protection. Due to them selling my information to a third party company contact the credit bureau which is unlawful in resulowering my score and hindering me from getting new loans.
Product: Debt collection

Netcredit withdrew two amounts from my checking account when there was supposed to be one amount and did not have my permission to do so. On XX/XX/XXXX they took out {$62.00} and {$59.00}. They deceived me in saying they would take out one payment per month. They never took out more than that before. They have changed my payment amount to {$120.00} per month without notifying me. They took out money that was for my mortgage payment and not for this loan.
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. 

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 XXXX XXXX XXXX These accounts have violated my rights.

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN credit bureau must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3700.00}