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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$2500.00} 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 Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$190.00} 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 Balance Owed : {$2500.00} XXXX XXXX XX/XX/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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX  XXXX  Acct XXX Bal {$400.00}, XXXX  # XXXX Bal {$130.00}, Midland Credit # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

My mother put me on a Wells Fargo credit card account that she had without my knowledge and she missed XXXX payments 130 days late 160 days late and my credit score has dropped over XXXX points and I cant buy anything on credit now I never signed anything or gave permission.
Product: Money transfer, virtual currency, or money service

I sold a personal item for {$33.00} and the payment was deposited into my paypal account a few weeks ago. This is the current balance in my paypal account. 

I tried to make a donation to a charity today, and the transaction would not complete. 

I spoke with online assistance, and they refuse to release the money unless I connect a bank account or debit/credit card. 

I do NOT want to do that since a family member had nearly {$1000.00} stolen from her bank account by paypal making fraudulent, unauthorized transactions, and the bank had to file charges to get that money back! 

I WANT MY MONEY AND PAYPAL REFUSES TO RELEASE IT AT ALL UNLESS I GIVE THEM BANK ACCOUNT INFORMATION. THIS INFORMATION IS NOT POSTED WHEN OPENING AN ACCOUNT OR WHEN NOTIFICATION IS SENT THAT MONEY HAS BEEN DEPOSITED IN A PAYPAL ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!
Product: Mortgage

JP Morgan Chase Bank, NA, XXXX XXXX XXXX, XXXX, OH XXXX has given me ( 2 ) Amortization Schedules ( P & I ) for my Loan that do not have the same ending principal balances. Im unable to correctly add any extra principal payments in order to pay off my loan. I also was  given a Legal Amortization Schedule from XXXX XXXX XXXX I received at Closing ( XX/XX/XXXX ) to use in paying off my loan. This makes a total of ( 3 ) Amortization Schedules that differ in ( P & I ) figures! I was told by XXXX XXXX, Team Leader Executive Office Representative, JP Morgan Chase, NA ( XX/XX/XXXX ) that on XX/XX/XXXX things would change regarding my ( P & I ) balance. However, any Amortization Schedule that would be issued to me after the XX/XX/XXXX principal payment would not reflect the correct monthly principal balances that I could use! The Amortization Schedule ( P & I ) balances would never match the current principal balance! This is an insane bank practice! 

I would be unable to receive an Amortization Schedule listing the correct Interest and Principle in order to apply any extra principle payments for the remaining of my loan.

It has been made clear that JP Morgan Chase Bank, NA does not want me to be able to pay any more extra principal payments on my loan. They want to be able to make as much money as possible on my loan. An awful bank practice! Thank you. 

XXXX XXXX
Product: Student loan

XX/XX/XXXX I was a junior/senior at XXXX Univerisity. Mid semester I believe around XX/XX/XXXX or XX/XX/XXXX my school notified me that they were sorry but Sallie mae took back your loan because that specific loan and will not give it back. I ended up coming back home an facing and extreme debt .. I then worked retail jobs to pay for a XXXX school part time so that I could attempt to finish.. while delaying my loans.. i entered XXXX in XX/XX/XXXX and most of my credit or some didnt qualify because I went from private college to XXXX. I had to work my way to school hoping to get a career to one day pay this large debt. Since having this debt I have been XXXX   and currently was out of work for 2 months with a XXXX XXXX XXXX XXXX. I am now struggling once again with all my loan debt due and no options for anything else and I have 3 more classes left of school and due to my illness now have to hold off again.. if I had graduated in the summer of XX/XX/XXXX and my loan had not been taken away I would have never had to be in such a large debt. I am current looking for lawyers as it would be impossible for me to pay off the over XXXX debt with my retail job and because my loan was private Navient is now hitting my credit score. I need advice or secure and safe lawyers I can use as when previously seeking outside assistance I was scammed and the companies did not help with my debt. Navient only leaves me in the option to pay and although this has cause me extreme XXXX  I dont mind spending my life in court battling it out with them at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX  I noticed a few hard inquiries on my XXXX credit report I did NOT authorized. After noticing the problem I got in contact with XXXX immediately to dispute the unauthorized inquires. while speaking to the agent I let them know that I may be a victim of identity theft because my vehicle was burglarized back in XXXX my wallet with driving license, social sercurity card and my credit card were all taken from my vehicle. They told me write/send a letter about my dispute with the company name and attach any documents, police reports est.. I sent all the information they request and they still have not removed the unauthorized inquiries from my credit report. I have disputed these hard inquiries for more than 5 times because I know that there are NOT mine.
Product: Debt collection

My complaint is with M & T bank about their 'collection ' calls. I was out of work for 4 months and got behind on my mortgage payments. I am now back to work, getting paid every other week. Even though I have provided a payment schedule to the bank for the next 3 payments, they continue to call me. The calls yesterday and today (XX/XX/XXXX ) were about my XX/XX/XXXX payment being late. I have filled out a complaint form on the M & T website as well. There is no reason to repeatedly call me when the situation or payment schedule I provided is not changing. Their calls and behavior constitute harassment and I want it to stop.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have 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, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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
Product: Checking or savings account

A clerical error made to transfer funds from another account I owned in my name was repeated in attempts and unknown to why.. I've maintained this account without any security risks, transaction disputed or debit card number at risks.. the failed transaction was never made available to my account and access to the funds were not given or credited. Due to this error my account has been restricted and a decision to close the account has been finalized. The money that I have left in my account is still there and they will not allow me it's access or mail a check payment for the remaining balance. I have experienced no call back, as I was told.. no access to transfer the money and the account is overall continues to be open but placed with restrictions and unable to gain access to funds remaining. This has now caused me with multiple fees for missed payments, uncertainty to when I will be receiving this payment and distribution to my daily activity. They have a reputation for doing this to many people and they continue holding money after they made a decision to close account.
Product: Money transfer, virtual currency, or money service

I let my friend use my cash app to deposit his unemployment due to quarantine and then cash app reversed it. So my grandfather XXXX   and people sent money to my cash app to help assist pay for burial and things and they wont let me access the funds. I contacted the number they provided to per email and they stated that since they got their funds back now its up to cash app now its been a month going on two and since shutdown is almost over I want to give my grandfather the proper sending home. XXXX from a relative XXXX from another relative, and XXXX from another relative, and XXXX from a family friend and then they stated they thought it was fraud but it cellars shows from a debit card!!!! Then I got refunds and they disabled my cash card so I cant use that money!!
Product: Debt collection

On XX/XX/19 spoke with Zwicker and associate XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, XXXX XXXX and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.
Product: Debt collection

I have disputed this several times including through CFPB. It appears that the CFPB isn't performing it's duties and obligations in enforcing regulations and consumer complaints. Consumer will continue to complain to other agencies and CFPB until this issue is properly addressed. The referenced account has been removed from other consumer reports but continues to report to my XXXX consumer report. I'm addressing this company again pre lawsuit. 

Resurgent/Lvnv Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting.

This is a deceptive practice by Resurgent/Lvnv Funding and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k.

reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported.

I ask that unless Resurgent/Lvnv Funding can provide me original signed contracts with my signature, that you cease and desist. Resurgent/Lvnv Funding is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE INACCURATE AND UNVERIFIABLE. 
XXXX ) XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX I Have disputed the accounts listed above with all three of the following companys, ( EQUIFAX, XXXX AND XXXX ) These companys have failed to provide me with any proof verifying the accounts listed above. Which to my understanding a violation of my rights according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit card

I called on Monday, XX/XX/XXXX to find a resolve to Be able to place my card in open status. I was told once I made the full payment Owed on the card, I would have access to the card by Friday. By Tuesday, XX/XX/XXXX XXXX beauty collected XXXX . I called The recovery team who told me to contact them for my billing receipts. They told me it would be about XXXX hours before I receive them. And then called customer care for XXXX Who had conflicting information about my account that I was not aware of during the payment process. Essentially stating due to lack of prior payments, I am no longer eligible to reopen my card after making that payment. I asked XXXX to send back funds, they claimed they can only send me some back and not the full amount. I continued to try to explain to them I sent a full amount and thats what I want sent back, since their recovery team misinformed me of where my money was going and simply lying about my card being able to be placed back in active status.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified inXX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet again XXXX reported late payments forXX/XX/XXXX and XX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.