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

In accordance with the Fair Credit Reporting act 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 an account without my written instructions Accounts : 1 ) XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no involvement with the listed creditors.
Product: Payday loan, title loan, or personal loan

I am currently serving overseas on XXXX XXXX XXXX ( called to XXXX XXXX from a XXXX XXXX ) and my account has been under SCRA status since XX/XX/XXXX due to my military status. 

With my military duties and my remote location, I am limited in my abilities to check my accounts but noticed when I did that I was behind on my loan payments and sent a payment. It will take time for me to make the remaining payments due to the time I need to transfer funds, etc. while overseas but anticipate being able to get everything up to day by XXXX. 

Surprisingly, Prosper tried to take out more payments beyond the one that I initiated as I distinctly remember only sending one payment. I did not have auto pay on and did not initiate this second transaction but Prosper initiated it anyway apparently. I called the customer service about this and they could not provide a satisfactory answer about this attempted extra payment. 

And late on XXXX XXXX, Prosper emailed that if I dont make payments by XXXX XXXX that my account would be written off as a bad debt.

Im very disappointed in Prosper and this whole situation. With my account being under SCRA protection and me making a payment last week and working to get things straightened out while on XXXX, they seem to initiate a transaction that I did not approve and now threaten to write off my loan as a bad debt. I sent an email to Prosper stating that I am working to resolve the remaining payments but it takes time due to my circumstances in my XXXX status overseas in the military. I plan on discussing this issue with the military legal office to see what my options are.
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 : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  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

1 ). XX/XX/2019 : Equifax lifted ( at my request ) fraud alert on Equifax credit file.

2 ). XX/XX/2019 : Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

3 ). XX/XX/2019: Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

4 ).XX/XX/2019 : Received letter from XXXX confirming point # 2, above.

5 ). XX/XX/2019: Confirmed by voice call, XXXX had also received an unauthorized request to add an Extended Fraud Alert.

6 ). XX/XX/2019. Several calls placed to Equifax trying to understand why they placed two unauthorized requests to XXXX and XXXX   for an Extended Fraud Alert after confirming it was removed by Equifax.

7 ). Equifax actions have damaged my credit score by causing an immediate drop of ten ( 10 ) points from XX/XX/XXXXto now.

8 ). Equifax actions have twice prevented our bank 's raising our credit allowance and continue to do so.

9 ). Equifax 's actions have prevented me from creating a Social Security account at ssa.gov.

10 ). Equifax 's telephone support management/supervisor ( not staff ) has refused to speak with my husband ( authorized ) while I was on the phone ( 3-way ), even though he was the only one with the necessary details and understanding to speak about the unauthorized communications to XXXX  and XXXX.

11 ). Equifax has made no effort to assist nor shown any interest in taking a complaint from me regarding this incident -- or otherwise resolving the unauthorized transmittal/communication regarding my Extended Fraud Alert to ensure that no further communications interfere with the conduction of private commercial account activities.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.
Product: Checking or savings account

On or about XX/XX/XXXX, filed debit card dispute with bank. The dispute was improperly coded by the bank as a cancellation, after speaking with XXXX on XX/XX/XXXX at the bank at number XXXX. I was instructed to fax the bank at XXXX and that I could reassert the claim. This was faxed to the aforementioned number on XX/XX/XXXX. It also included e-mail proof from the merchant stating " in regards to the charge back you have initiated with your bank, you will need to work with them to recoup the funds ''. Please see attached letter and proof submitted with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late XXXX XXXX and this account has been closed since XXXX
Product: Debt collection

debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a outstanding child support collection on my credit that hold my credit and me back from a lot of things its the only thing on my credit thats really bad and its not correct its hasnt showed the payments I have made over the years, its just this big collection over XXXX I need it off my credit and I was taking off child support last year.
Product: Mortgage

I believe my information was stolen because of a breach from my mortgage company system, in which 2 individuals used the mortgage company had my social security, loan number, total amount of my escrow balance, and total balance of the loan.I was forced to pay XXXX using 3 debit cards to make the payment, because of a threat of foreclosure if my escrow balance was not paid within a certain date. The date was XX/XX/2018, which i made, and that my mortgage payment would be adjusted for 3 months for XXXX trial period.I reported this to the local authorities, in which they said not to respond to there phone calls. Reported this to my mortgage company and sent me paper work to fill out in which it requires a police or federal report number and or an affidavit. Since I have reported this fraud, my loan is being transferred to another mortgage company, probably to avoid bad publicity and they want to foreclose on property because of their bad security of their network. I feel I am being bullied and discriminated against..Since this happen, I have seen some comments on scams that other people have encountered with these same individuals using XXXX XXXX, XXXX XXXX and a few other Companies. These individuals must be stopped and made examples of ....
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX I recently reviewed my credit report, and notice fraudulent activity on my report. I did not authorize these account, please remove them from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I received a credit inquiry alert for TransUnion from XXXX XXXX. I contacted TransUnion but I was told I needed to have a fraud report from FTC to have the inquiry removed..
Product: Debt collection

I have written disputes to the credit bureaus to remove this from my credit profile. Ive submitted multiple documentation showing that ive never lived in these places.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a dispute with Equifax regarding some inaccuracies on my credit report. They received my letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance to the FCRA as I was supposed to receive a response within 30 days of filing my dispute and this was also the second dispute I filed with this company. The first dispute was filed on XX/XX/2020 for which I did not receive a response either. I certified my mail and was able to track the dates and times that it was received from USPS. Their lack of investigation compliance is impeding me from correcting my report and because of it I am experiencing a lot of turmoil as I can not purchase a home for my family and I.
Product: Debt collection

I have recently reviewed my credit report and the following account XXXX XXXX XXXX XXXX XXXX does not belong to me and is a result of identity theft. I have requested a written contract between me and PRO COM SERVICES and XXXXXXXX XXXX XXXX XXXX XXXX doesn't exist this is in violation of my rights. According to the fcra 15 US Code 1692g as described in the validation notice. The validation notice contained the statutorily-required statement regarding the collector 's obligation to obtain verification of a debt or a copy of a judgment if the consumer notifies the collector in writing within a 30-day period. I want this collection removed asap please.
Product: Debt collection

There is a debt collection agency called Diversified Consultants that is claiming that I owe {$1300.00}. I do not owe this debt. XXXX took it off my report on XX/XX/2018. A month or so later, this collection appreared on my credit report again. I have disputed this account several more times. Also, I recieved a letter on XX/XX/XXXX from this debt company saying that my account was disputed and they will cease collections on the account. Can you please have all three credit bureaus take this off my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00XXXX XXXX  XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid
Product: Credit reporting or other personal consumer reports

Notification for the 5th time today experian says another dispute is ready to view, LIE LIE LIE LIE LIE LIE LIE LIE LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased XXXX XXXX spring training baseball tickets through my Citi XXXX XXXX Card for a XX/XX/XXXX game with the XXXX XXXX XXXX in Florida. Total charge was {$530.00}. I had to travel from my home in XXXX XXXX, Missouri to attend that game. Early in XXXX - XXXX XXXX XXXX cancelled spring training due to the Corona-virus - thus no spring training games were held in XXXX. XX/XX/XXXX - I disputed the transaction with Citi XXXX XXXX- stating I should not have to pay for a game that was not held. After completing all the dispute process steps, talking with XXXX and the XXXX XXXX, I received a e-mail from XXXX  on XX/XX/XXXX ( the company that sold the XXXX XXXX tickets ) that stated the following : " The dispute has been resolved in merchant ( XXXX XXXX ) favor, as decided by your financial institution ( Visa ). Subsequently on XX/XX/XXXX I cut up my XXXX cards and sent them back to XXXX with a letter closing my account, because XXXX insists I pay for a product that did not exist. Since then XXXX has reported my account as a bad debt and sent it to a collection agency, and the collection agency ha also reported it as a " XXXX '' bad debt. These actions are wrong as I should not have to pay for something that I did not receive and did not exist. 

Recently a second XXXX  credit card ( XXXX XXXX- which I have had since XXXX ) - also issued through Citi - has been closed ( not renewed by XXXX ), as Citi has a policy of not renewing credit card accounts if the customer had an account closed by XXXX  ( note : I closed the previous XXXX account - the company did not ). I believe Citi 's actions in both credit card cases are bad business practices and have defrauded me.
Product: Checking or savings account

I noticed some unusual activities on my account. I filed a dispute because it was some XXXX XXXX  taking out my account and XXXX activities. Bank of America issued a credit for the XXXX XXXX claims. The same guy that took my money from XXXX XXXX is the same person took it from XXXX. My XXXX claim was denied. I've moved from Mississippi where the issue occurred. I have asked for a police report to be sent to me. Now Everytime I send money through XXXX I have to call and verify. If bank of America would've did this because it's multiple transactions this wouldn't happen. Now bank of America wants me to verify every transaction. Where was the security when my account was being hacked. But, now you denied my claim. It's not fair. That my money I worked for.
Product: Checking or savings account

I was arrested at The United States Probation office on XX/XX/XXXX. My purse wallet and cellphone were left in the vehicle with two individuals who stole my items and was able to access my funds that was in my PNC checking and savings accounts. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I tried to dispute the fraudulent transactions as I had no way to access these funds from behind bars and the outcome of the dispute was these fraudulent transactions were valid. I provided them a letter of incarceration from The Bureau of Prisons detailing the dates of my imprisonment. I reported the theft to XXXX Police Department and The Attorney General of Illinois. The bank who claims zero liability on debit cards is false advertising. I have a CFPB number and it is XXXX. I talked to an individual from the bank and the evidence they used to confirm these transactions was atm footage. I wrote them back in XXXX to ask for the evidence they went by to confirm these transactions and they still have not sent them in violation of the Federal credit Act. I also have a reference from the Attorney General about my case, File # XXXX
Product: Bank account or service

As a result of Wells Fargo Bank misrepresentation of my balance XXXX XXXX XXXX incurred an overdraft fee of {$35.00}. XXXX XXXX XXXX issued a Accord and Satisfaction Paid In Full Check Money Order in accordance with California Civil Code 1526, UCC 3-311 & UCC 3-603 on XX/XX/2016. Wells Fargo Bank accepted the instrument however they failed to extinguish the debt pursuant to the law.
Product: Mortgage

XXXX months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in XX/XX/XXXX and reaffirmed with XXXX Mortgage at the same time. XXXX is no longer in business and our paperwork must have been lost. 
SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. 
However, we received a letter from SLS dated XX/XX/XXXX, that upon researching our account they found no errors. 
they failed to mention our reaffirmation. We submitted our reaffirmation and have been steadily been paying every month on time in full. We can not refinance we can not prove that we have been submitting payments and have no credit scores. We need them to report our payment history. We are not asking for much. PLEASE HELP US.
Product: Credit card or prepaid card

i was put on XX/XX/XXXX hurricane financial assistance relief with XXXX XXXX credit card division of first national bank of omaha n instead of assisting me they close my account down as was not receiving statement as claim and they refused re open account n correct all deliquencies, they claim i so called owe XX/XX/XXXX and XX/XX/XXXX bill when was not getting paper statement they claim were mail out XX/XX/XXXX i paid XXXX XXXX dollars n instead of getting a paper statement claiming i owe for XX/XX/XXXX XXXX XXXX dollar n was hit with a XXXX XXXX dollars late fee then they sent me a bill for XX/XX/XXXX in amt of XXXX as i wasn't getting statement of bill they claim they sent me as want them strip of banking n credit card privilige and violating the hurricane disaster relief law of XX/XX/XXXX plus i was told i didn't owe anything till XX/XX/XXXX and instead i being lied to n account was shut down n not corrected as promised
Product: Student loan

I called ConServe to pay a loan I currently have in default with recent spike in discretionary income I 've received. The person I spoke with informed me that the call could be recorded and it was an attempt to collect a debt. I let them know I wanted to make a hundred dollar payment. Following the successful entering of my payment information over the phone I asked for my balance. The informed me it was upwards of {$1800.00}. I asked what fees did they add when they received the loan from XXXX. The person on the phone said {$28.00}. I informed her that before XXXX sent my loan to collections the balance was {$1100.00}. She told me that the interest accrual was 5 % a day. I ended the phone call and immediately called the Consumer Finance Protection Bureau hotline to inquire whether those actions were lawful. The person I spoke with informed me that they could n't dispense legal advice but that the interest on a perkins loan was fixed at 5 %. I asked what I should do if I were looking to file a dispute. The representative informed me to contact the company and have them send me their policy in writing. I ended the call and called ConServe back and asked to be sent the policy. The woman I spoke with became very irate and aggressive, and almost shouting said they had no policy and that the interest and extra fees tacked onto the remaining balance were set by the University XXXX Georgia. I have no idea who to believe and need clarification as to where over {$700.00} in fees came from and whether or not this addition to the principal was lawful before I pay so much as a dime to an independent loan servicer.