23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

Bank of America deducted an extra montage payment ( {$3000.00} ) from our checking account on XX/XX/2020 even though we only authorized one payment on XX/XX/2020 which was deducted as well. 

We made 4 attempts via the bank 's secure messages and requested the bank to return {$3000.00} to our checking account without any results. 

On XX/XX/2020, I called XXXX and finally received a service request confirmation # XXXX and was assured that the refund will be posted within 24 hours. 

As of today, XX/XX/2020, I still have not received the refund. 

Thank you for your assistance in advance. 

XXXX XXXX
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. 


Account Name : DEPTEDXXXX Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!
Product: Credit reporting or other personal consumer reports

I HAVE CLOSED ACCOUNTS ON MY REPORT THAT I CAN NOT VERIFY AND NOBODY ELSE CAN EITHER. 

I'm here asking the CFPB to make these agencies perform properly, and to show me what they have. 
I need my original application with my wet signature and the beginning of the account ledger to show the debt My principal allegedly owes. 

If not please have this deleted immediately. and have all agencies reflect this change and to mail me a copy. 

account : XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I fax all my paperwork to the company in question. Advising them I'm trying to give them the opportunity to handle this matter between the two of us. They began to tell me their terms and conditions supersede the USC 15 1666 C. Prompt and fair crediting of payment. They also mailed a vague ambiguous letter which I received on XXXX XXXX requesting me to make line with them if I have any questions. 
This company should also update it inquiry contact information because it is false and misleading representation.
Product: Debt collection

I have lived in an apartment for 3 years and paid my rent every month. But at the end of my lease, they gave me a move out statement with the charges related to paint and carpet. The apartment is located in XXXX. According to XXXX XXXX, the residential landlords can not enforce the tenants to pay for the regular wear and tear. When asked for the photos, they never provided me with the photos too. The landlord never gave a resolution and even sent my file to collections department. They have reported to my credit file which impacted massively on my credit score. Despite never missing a payment at all from last 7 years, each of my credit scores from 3 major companies have plummeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove a collection item from my credit report. I have proven multiple times that their reporting is false. Neither XXXX, or XXXX XXXX report the same. 

Equifax shows a collection company called XXXX is owed {$190.00} for an unpaid bill to XXXX. I provided copies of the invoice from XXXX and the check used to pay that invoice. It was check number XXXX and cashed back in XXXX of XXXX by XXXX. A simple call to XXXX/XXXX  representatives will prove that I am telling the truth and that my account has been in good standing forever. The account number and related invoice is XXXX XXXX XXXX XXXX. Look at the billing date of XX/XX/XXXX that shows the past due of {$190.00} XXXX in Dispute ), and current charges of {$300.00}. I paid both at the same time with a check totaling {$490.00}. Somehow, XXXX submitted me to collections and XXXX  for the {$190.00}. 

I contacted XXXX and they admit their error, XXXX who ignores me, and Equifax who ignores me. Please look into this as it adversely and falsely affects my credit scores. 

I can be reached at XXXX, or by e-mail XXXX Thank you!
Product: Checking or savings account

I have had my checking account with chase since 1998. About 6 months ago, a local branch called and asked extremely personal questions with regard to my monetary activity to which I answered completely, and then shortly afterwards chase closed my account for no reason. No explanation was offered. I have done nothing even close to illegal and have been a loyal customer for nearly 25 years.
Product: Debt collection

These were medical bills that were sent to the debt collectors after the provider mailed the incorrect insurance company. I was covered 100 % under my insurance and should have never been billed. I reached out to the collection agency with no help at all, also reached out to the medical facility that stated they would not be able to help because they are not the establishment who billed me (   XXXX   XXXX    )   XXXX   XXXX   XXXX  -- - {$100.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$140.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$220.00}  XXXX   XXXX   XXXX  {$700.00}  XXXX   XXXX   XXXX  {$240.00}
Product: Mortgage

I am behind on my mortgage payments. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 and was preliminarily approved for funds XX/XX/2022, meaning that I met the applicant eligibility criteria including ( XXXX ) that the property is my primary residence, ( XXXX ) that I own the property, ( XXXX ) I experienced XXXX XXXX XXXX and ( XXXX ) that my income is below XXXX  % XXXX. I am eligible for up to {$30000.00} in XXXX XXXX funds, which is more than required to fully reinstate my mortgage. 

After a XXXX applicant is deemed eligible, XXXX communicates with mortgage servicers about the account to verify the amount owed via the XXXX XXXX XXXX. XXXX funds cannnot be approved for disbursement until they receive a verification record from the mortgage servicer. In my cases, XXXX has sent the Information records requesting this verification of my account to Citizens XXXX Bank the following dates : - XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank has responded to only XXXX of these requests for information : a failed V-record dated XX/XX/2022. Citizens has been completely uresponsive to the program 's attempts to verify the amount I owe for more than 6 months. 

My file was referred to foreclosure several months ago. The only barrier to reinstating my loan is Citizens XXXX Bank failure to timely respond to I-records.
Product: Debt collection

Received 2 threatening phone calls from according to the message the AG office in TX, I am in Delaware and the payday loan is for CashAdvance. They are stating that I am in default of this loan. I do n't have a 'Payday Loan ' with CashAdvance. It is a scam, I know this as they attempted this on me before several times. The XXXX numbers are coming from XXXX, TX and they are XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX both calls indicated that they were going to have the State Police come arrest me and throw me in jail. To me this is a threatening phone call. The person speaking had a foreign accent and was the same person both days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Self on XXXX XXXX under the account number XXXX XXXXXXXX, an personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXXXXXX and a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer Experian credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer Experian credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, 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 alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.
Product: Credit reporting

Wondering how to get historical record of any dispute ( s ) filed pertinent to my having initiated one several years ago with a credit_monitor but not communicated confirmation of progress, that apparently only got swept under-the-carpet until after subscription to said 'protection ' had expired. Belief is also that XXXX. applied a fraud alert which was not released prior to disconnecting service, due to my latter inability to respond correctly to identity proof contests and subsequent loss of all online access to all XXXX scoreless credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the company in full. Ive tried talking on the phone and disputing it at all 3 credit bureaus. It still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and Experian. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX  XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. XXXX XXXX XXXX XXXX XXXX sold the charged-off account to XXXX XXXX XXXX XXXX Who XXXX me on XX/XX/2022 by letter attached as a Collections agency. Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On my XXXX Credit Report I have 1 account in collections with LVNV Funding, LLC with an amount of {$870.00} claimed to be owed to them. I have disputed this account and they come back with, " this account is confirmed ''. I have requested all documents and I received nothing. 

LVNV has sold this account to continually refresh the open date for a fresh 7 year debt collection process. On this account, as reported to XXXX it says " Date Opened : XX/XX/XXXX ''. It then says, " Date Reported : XX/XX/XXXX ''. Then the XXXX report says " First Delinquent : XX/XX/XXXX '' which is 7 months before the account was even opened. 

I called them at XXXX on XX/XX/XXXX at XXXX XXXX, and was told that I was speaking with a Collection Agency, so the information on the XXXX report again is not correct. The collection agency then stated that the actual account was opened with LVNV originally in XXXX of XXXX, this is not what the credit report reflects. Then they said the address was XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was living on XXXX XXXX XXXX XXXX yet the account and the debt is confirmed to be mine. 

I feel like LVNV is owned by the mob and they just keep selling the data and getting it pulled back into their office and the calendar of seven years restarts again, this is unethical and inaccurate information in complete violation of the Fair Credit Reporting Act. 

If it remains on my credit report, I demand to see the original loan application information for it to be verified by humans and not a computer program.
Product: Credit reporting or other personal consumer reports

Investigated reports on my account without my knowledge but still left the false reports on my account without.
Product: Payday loan, title loan, or personal loan

In XXXX 2017 I received a loan offer in the mail from Big Picture Loans. I was in a bit of a financial rut so I decided to contact them to get a {$900.00} loan. While speaking with their Representative, it was pretty easy to get the loan and all I had to do was give them my bank account info and I was quickly approved. I was given very little information as to how many payments I would be making or how much my interest rate would be. Once I received the loan, I created an online account to view my payment history, payoff amount, etc. It was there that I found out that I would be paying {$190.00} bi-weekly ( {$400.00} a month ) with an APR rate of 545.69 %! So in the end, I would wind up paying {$5000.00} on a {$900.00} loan!! To date, I have paid roughly {$1600.00} and the majority of it is just interest. I contacted them about the payoff amount and the amount was always just about {$1000.00}, so I would never even get close to paying it off. Every time I did speak to someone I would get the run-around. I decided to XXXX this company, which I should 've done so from the very beginning, and it seems I was n't the only one getting charged these astronomical rates for such a small loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for automobile insurance my insurance company requested a report from Lexis Nexis Risk Solutions. The report indicates that I had an at fault automobile accident on XXXX XXXX. I was involve in a rear end accident but was the first car at a stop light when a third vehicle struck the vehicle behind me. The police report, which I downloaded, correctly has the other vehicle clearly coded as " at fault ''. 

Lexis Nexis ' erroneous report has affected my insurance rating. I have made several attempts to contact them with no response.
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX XXXX account on my credit report which is not mine and is showing as late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance Owed : {$200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would say the account position that is presently confirming on my credit information has a severely unpleasant impact on my capacity to acquire approval to get a current loan inquiry, I highly recommend you provide verification that this has been documented suitably in accordance with the Fair Credit Reporting Act directives, this is a crucial matter to mis-report. My proper demands have to be examined as soon as possible. If you're unable to confirm this information as being 100 % correct please make sure you remove this instantly.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft, which has resulted in unauthorized accounts being opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX XXXX {$550.00} Unauthorized Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX
Product: Mortgage

Chase is refusing to give me a copy of the appraisal. 

loan : XXXX XXXX I want a copy of the appraisal. They are violating the Appraisal Disclosure Notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - CBE Group keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!
Product: Debt collection

I have sent a letter asking this company to VALIDATE this account and they have failed to comply
Product: Debt collection

AMERICAN EXPRESS NATIONAL BANK used fraudulent debt collection practices.

1. AMERICAN EXPRESS NATIONAL BANK initial civil summons complaint document filed with the court on XX/XX/XXXX, used deceptive forms and misleading representation when complaint was signed as : 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 This is a violation of 15 USC $ 1692e ( 3 ). False or misleading representationsA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collecton of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

Since XX/XX/XXXX American Express and XXXX XXXX XXXXXXXX have failed to respond to the defendant 's affidavit and motion to vacate the default judgment and to provide the court with a completed and valid IRS Form 1099-C in the sum of {$14000.00} within 30 calendar days of receipt of the defendant 's USPS-certified mail , all references to this account must be deleted and completely removed from the XXXX XXXX XXXX records , my consumer credit file and a copy of such deletions shall be delivered to the defendant within 30 calendar days.