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

I mailed a letter to Experian on XX/XX/year>, informing them that I had been informed that there was a negative information reporting to my file they maintain under my social security number. I requested to challenge the accuracy compliance and reportability of this listing. I further stated I have no know of this listing Per 15 USC 1681b. I asked for them to please provide me with a contract with the original creditor bearing my signature. I formally request for this listing be immediately deleted from my credit file Experian is maintaining under my social security number. I understand Experian has 30 days within the date of receipt to complete this investigation. Per The Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). I would also like to make known that I do not consent to any XXXX  or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts in clearing up all inaccuracies on my credit report. My name, address, social security number, inquiries, accounts and telephone number. I have called and sent in letters. I have one name, one social security number, one address, one telephone number. Inaccurate accounts. false inquiries.
Product: Debt collection

As of XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX TN XXXX XXXX is in violating in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 
USPS # XXXX, Reference : XXXX, Acct : XXXX, Dispute non-responsive after 30days, I enclosed a copy of my dispute letter USPS # XXXX requesting validation through two points of contact. First by electronically mailed and then through certified mail, in which Fox Collection Center have failed to respond to either one. 

First, you received the electronic mail on XXXXXXXX XXXX through the CFPB complaint database and failed to provide proof of validation within the 30 days. 

Second, you received another copy by certified mail on XX/XX/2022 requesting validation. 
Even so, you have failed to respond to either request. 
This letter dated above shows it has been more than 30 days and FOX COLLECTION CENTER have failed to validate show any proof within the 30 days even with the given grace period to respond by mail. 

Please send me a copy of my updated credit report as soon as the above has been completed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Innovis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than XXXX days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Experian is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Experian did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Experian delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Product: Debt collection

This company XXXX XXXX Account Resolution Services has been reporting alleged debts, but has not/ can not give me validation or verification for any of these alleged debts. They continue to attempt to collect by publishing it with credit reporting agencies, which is a violation of my rights under FDCPA, their duties under the same and I have sent them a second request to validate and verify this and identify themselves with their EIN so that I can inquire with the IRS if they have requests funds under my name ( FRAUDULENTLY ).
Product: Credit reporting or other personal consumer reports

I don't have dates or amounts. I did not open a XXXX XXXX credit card. Reported it to the company multiple times and I was told they sent me fraud paperwork, that has never been received. The credit card company is doing nothing about my disputes, nor have they reported the fraud/identity theft. It's now affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number 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 furnisha account without my written instructions
Product: Mortgage

A little over 3 years ago, XXXX XXXX XXXX transferred my mortgage to Nationstar Mortgage. Over the past couple months they kept calling me saying what are you going to do with your property. I told them I have no intention to sell and I plan on being here for several years. ( My mortgage is and has been current since I started with Nationstar over the past 3 years ). The first time they called I thought it was a routine check. When they kept calling I asked them to stop calling me on this issue. The choice they gave me is I could issue a Verbal Cease and Desist and they would n't call me anymore. The problem with this choice is they also wo n't contact me under any other circumstances by telephone/e-mail/text/regular mail. So if there is a glitch in their system and my payment did n't go thru for any reason I wo n't be notified. If there is a change to my mortgage in anyway I wo n't be notified. I feel like I 'm being held " hostage '' either I have to take their monthly calls so I can receive communications or use the Verbal Cease and desist and not know about any changes in my account. My desired resolution is simple, I would like them to communicate to me if there are any changes in my mortgage but I do n't want them harassing my every month, what am I going to do with my property etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a full-time dental student and a part-time service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from Fed XXXX XXXX to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my XX/XX/XXXX credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my Transunion credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by XX/XX/XXXX. On my XX/XX/XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by XX/XX/XXXXand Transunion. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.
Product: Checking or savings account

Last XXXX Chase J.P. Morgan had closed my checking & savings account. There reason of canceling my account was to many claims I asked them what is to many claims and they couldnt provide extra information. I have done 3 claims and no where does it say or limit me claims I can do. Yes I know I read the customer agreement from they can cancel for any reason. I also read they can report your information to third parties/ bearus. This is making it harder for me to apply for any place for a checking account. Its shows my Free credit reporting act that there is some kind of blockish getting me a checking account. I also have a car loan with chase and as they may say they dont want to do business with me that cant be possible with an existing car loan. I cant even log in to check my balance or even make payments. I am hopping to either recover my account and or have it removed so I can move forward and apply to other checking accounts with other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can I get XXXX XXXX XXXX XXXX to quit claiming my complaints are duplicate and explain and give proof why they had permissible purpose to access my credit report and why they refuse to send me copy of credit report used for loan # XXXX?
Product: Debt collection

I sent a debt validation letter to Cavalry Portfolio Services multiple and no response. However this company is reporting negative information to my all XXXX credit bureaus monthly.
Product: Prepaid card

A 1-2-3 Rewards debit card issued through Kroger by US Bank was cracked again. This time the card was hacked for about {$120.00}. This is the second time this has happened in the last year. 

Last time it took their XXXX division months to resolve the issue. I was told I would receive a refund, but I never did. I called them several times about the refund but only got jack around by customer service. 

After I complained about the compromised card this time, I was locked out of my account. 1-2-3 Rewards customer service is usually rude, they act like they do n't care, and have hinted in the past that the result of the hacking was my fault. That is a preposterous notion! 

I have lost confidence in these people, they did n't resolve the problem in the past, and they were not willing to work it out. I hardly heard from them. 

I would like a full refund of the amount that was on the card before the hacker ( s ) made an unauthorized charge to the card, and then I want to close the card permanently. 

I was a good customer, for a long time, but I can see that they do n't value good customers. I have little faith that I will ever re-coop the funds that where electronically stolen form my 1-2-3 rewards card backed by US Bank, so I will be a good citizen and inform the authorities. 

I trusted Kroger with my funds, they let me down ; therefore the breach in security was not my fault. This happens everyday to people. Gradually, day-by-day, consumers will abandoned credit cards, because they will be tired of getting ripped-off by cyber criminals. 

Avoid all prepaid credit cards!!! BEWARE!!
Product: Credit reporting or other personal consumer reports

There are loans ( Dept. of education Nelnet ) on my credit report due to XXXX XXXX and XXXX XXXX XXXX giving me false information stating that I can attend actual college classes when I didn't have a GED or a diploma. I have no idea how the paperwork was approved through their system having I had not completed XXXX grade. 



Other information about the other reporting I have attached the report in the pdf form from CFPB.gov site.
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. 

Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX**, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : 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: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on mortagage. XX/XX/XXXX. When I was married XXXX ( to now ex spouse ) signed as joint owner. At time didnt even live in the house. And never lived in it. Got divorced later- XXXX. Signed Quit Claim Deed. But course name still on loan. X can not refiance ro get my name off. So I filed chap XXXX to get it off. But the act is still showing active/open!
Product: Debt collection

I and several members of my family have been continually harassed by XXXX and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX : XX/XX/year> Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my Check to chase on XX/XX/XXXX. 
And XXXX year ( XX/XX/XXXX ) later, Someone took the same check to XXXX and cashed it out. 
and XXXX overdraft my account and paid the other person. 

The check should be good for 180 days. I don't know why chase still let this happen. Why do I have to pay for the mistake then XXXX made? 

The XXXX XXXX keeps calling me.
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Checking or savings account

On XX/XX/year> XXXX XXXX from a unauthorized transaction online withdrew {$94.00} of my funds illegally from cash app banking company. When trying to dispute it with cash app they never gave me any information never resolve my dispute and automatically canceled the card and charged me to send me another one and put a hold on all my funds in the process leaving my money and my direct deposit on hold for XXXX weeks with no expedited procedure to help me resolve the fraudulent transaction. I also filed and filled out and submitted a form before the XXXX deadline and have heard nothing and received no reply emails and there's been nothing to assist I've received nothing but spin-offs from their cash app support team as they have not compensated me nor gave me an information of how to contact the vendor for a dispute. 

Thank you for your time and effort. Respectfully XXXX XXXX
Product: Checking or savings account

After 10 months of having my accounts with bank of america, they have decided to close all of my accounts and not give me any reason at all for the closures, nor are they willing to let me speak to anyone regarding the reason for my closure. My personal accounts are all with a positive balance and are in good standing at the time that the bank has made a decision to close my accounts. I feel like I am being discriminated against because I am of XXXX decent and the fact that nobody will tell me why this is happening in the first place is completely unfair to me. I have done everything I can to keep my accounts with a positive balance and in good standing and all of a sudden today, I go to make a cash deposit to my account to find out that my cards were all blocked. 

The only thing I can think of would be because I have made several claims on my accounts over the last 10 months for people double charging my account or taking money out without my authorization, but yet it seems like I am to blame for their actions. In fact I have won all of my claims that the bank has reviewed because i was correct with filing those claims at the time they were done. The last claim that was filed under my business account was an ach claim for XXXX prematurely taking out monthly service charges from my account without my authorization because my application with them was never completed. A third party had pushed the application through to them without my final approval and so I started to get billed by them without even knowing it. How is that my fault? It is not, which is why I had filed that claim in the first place. Also XXXX agreed to refund my money for these transactions and they never did, so I filed a claim. Does this warrant a closure of all of my accounts with BofA I think not? Does this mean that I am a risky client because of other people 's actions on my account? I think not as well. So, why would you just decide, out of the blue and when all of my accounts are in good standing with normal day to day transactions, for you to just decide to close all of my accounts? Also, I am 3000 miles away visiting family in Virginia and now I can not have any access to any of my money due to this closure. I have been placed in a very bad situation now because of this and I am clear across the United States with no access to any of my money because of this decision to close my accounts with you. And the simple fact that you can't even give me the courtesy of telling why is yet another issue here. Therefore, I am led to believe that you are discriminating against me due to this premature decision to close and lock my accounts up when I have been doing nothing wrong with my accounts for you to come to this decision in the first place.
Product: Credit card

I advised my credit card company of unauthorized transactions that took place in XXXX. I live in XXXX, and have not traveled to XXXX. My credit card company temporarily credited me for the items, until this past week. They sent me a letter stating that as I had not reported my cards lost or stolen, and that since the card was used with a chip reader - I am fully liable for the transaction. I did not report any cards lost or stolen as I have them in my possession ( XXXX cards -the joint account holder and myself ). They then reposted the transaction and billed my account. They did not do anything else to investigate, I am truly concerned and upset as how they were able to use my chip.
Product: Vehicle loan or lease

I sent written communication to Bridgecrest formerly XXXX on XX/XX/2018 requesting VALIDATION of the debt listed on my credit file according to the Fair Debt Collection Practictes Act. I did not receive a response from this company in the 30 days and this company still reports to the credit bureaus. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character. The office did not provide proper documentation that this debt belongs to me pursuant to the above names title.
Product: Checking or savings account

Us bank did not reply to the right dispute they took 4 bounced check fees out of me when only 1 item bounced