23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recived a validation of debt from I.Q Data international today XXXX XXXX letter is dated XX/XX/XXXX. I have attached This letter for your review. They are stating the principal balance due is {$740.00}, interest due in the amount of {$240.00}. How is interest legally charged on this debt? The lease information section states my lease end date as XX/XX/XXXX and my move out date is XX/XX/XXXX. My move out date and lease ended on XX/XX/XXXX per the terms of my lease and signed notice to vacate. Resident information has my prior address listed as my primary and my forwarding address as other. Why wasnt my address updated accordingly? If a notice was sent it was intentionally sent to the incorrect address. This is a very shady tactic! Charges are listed for damages and XXXX XXXX Original amount owed for damage is {$200.00} and balance due is {$660.00}. How did this amount increase? XXXX XXXX has original amount XXXX with balance due of XXXX. How did this amount decrease? There is a due date of XX/XX/XXXX listed however I never received a bill until this debt was reporting on my credit. At that time I contacted the courtyards at XXXX and spoke with XXXX who was the leasing manager and she stated she would send me a break down of fees via mail however I never received this. When I reached out to I.Q Data the lady I spoke with refused to provide me with a breakdown because the time period to validate the debt had expired. I wrote several letters to the credit bureaus disputing this debt to only receive generic response and no real investigation because the time period had expired.
Product: Credit card

Dear Barclays, I am writing to dispute the inaccurate " 30-59 Days Late '' mark on my credit report for the account ending in XXXX. This designation is completely unjustified, and I respectfully request that you immediately update my account status to " current. '' For clarification, my account was frozen in XXXX due to a new credit card application. As a result, I was unable to make payments online or by phone. I made multiple attempts to resolve the security freeze, but each time my efforts were denied for reasons such as an " unsigned Social Security card '' or " image too dark. '' It took two months of back-and-forth communication to finally resolve the freeze. Once the clearance was granted, I promptly logged in and paid the account in full this month. 

Given these circumstances, I kindly ask that you review my case and take the necessary steps to correct my credit report. 

Thank you for your attention to this matter. Please confirm once the correction has been made. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and the all need to be deleted from my credit report. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, AUTO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ( Inquiries ) : 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.
Product: Mortgage

XXXX XXXX 2017, Wednesday XXXX XXXX emailed XXXX with questions RE : questions about requirements, qualification ratios and Conditional Credit Approval Letter ; X/X/2017, XXXX XXXX voicemail to XXXX RE :  questions about requirements, qualification ratios and Conditional Credit Approval Letter X/XX/2017 CONFIRMED BY PHONE ( XXXX XXXX ) ... XXXX STILL WORKS THERE. as of today XXXX XXXX 2017, Monday, XXXX XXXX she has not responded ALL my questions. X/X/2017 XXXX XXXX XXXX confirmed the approval is contingent on my selling my existing home but has not answered my other questions, in particular, I want to know why I have to sell my existing home before I can get approved for a new loan AND why my existing home ( that has no mortgage obligation ) has to be sold at a price such that the net proceeds equal an amount specified by them
Product: Credit card or prepaid card

I've tried to get in contact with SELF Lender about the Wrong reporting on my account, I had a Credit Card with Self Lender for a year that came with a savings account, at the time I checked my Credit Report they were reporting it charged off, and I tried contacting them to withdraw my money out of my savings account and they wouldn't let me. and I believe I had {$400.00} to XXXX in my saving account over the year and some months I with them. I sent them a letter of to verify what they are reporting is accurate but did not hear back.. I tried to I sent them another letter and still didn't get a response. I sent another letter on XX/XX/2023. its reporting late payments that I don't know of so I need this issue fixed.
Product: Credit reporting or other personal consumer reports

I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.
Product: Consumer Loan

We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much
Product: Credit reporting

I disputed with  Trans Union  on  XXXX / XXXX /  XXXX   inquiries that were not authorized done by  XXXX   XXXX   (  whom agreed in a previous CFPB complaint to delete said entries )  Trans Union  responded on  XXXX / XXXX /  XXXX   only have deleted  XXXX  out of  XXXX  of the inquiries, even though I submitted evidence from the CFPB complaint including a letter by  XXXX   XXXX  indicating that ALL inquiries by them would be deleted. Attached is the  XXXX   XXXX  letter of delete and the deficient response letter from  Trans Union  that did not do what  XXXX   XXXX  indicated on their letter.
Product: Money transfer, virtual currency, or money service

ENCLOSED PLEASE IND COPIES OF 12 FRAUD INDUCED MONEY ORDERS, TOTALING {$6200.00}. PLEASE REFUND TODAY!
Product: Debt collection

Aldous and Associates left a message saying that they were a law firm. I returned their call and they claimed that I have a debt with XXXX XXXX. I do not have a debt to XXXX XXXX. The membership was paid in full. I requested the information to pay the debt. They refused to acknowledge my request. Then they told me that they would damage my credit by reporting it to my credit report. I am a veteran trying to buy a home. I ended up paying a debt that I do not believe is mine, I was ignored when I asked for all of the documentation, and they threatened to harm me financially by reporting to my credit.
Product: Credit reporting or other personal consumer reports

My information along with my sensitive identification number has been released without consent. 

Meaning TransUnion, XXXX and two different hospitals and bank was BREACHED again and account information hacked and leaked begining since years of the XXXX to XXXX. I have been seeing accounts appear on my accounts in the last several years that I'm unfamiliar with as well as the balances and addresses attached to. 

I ask that all accounts be verified by the original owner with wet ink signatures need be to clarify. If in fact these pieces of information can not be produced I ask that all delinquent, closed accounts, all inquiries that's attached and not attached to my account be DELETED. 

Also I see where some accounts posted to my credit report has incorrect reported information. 

I ask that all accounts that are printed to under my information be reviewed quickly or within the next 15 to 30 days if not DELETION is what I ask for at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. 

-Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  XXXX on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer rep
orting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX2022 Amount : XXXX Account Number : XXXX Fraudulent inquires XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. Also I printed out my XXXX reporting and i have 19 hard inquires i have no idea of i did not give written consent to any of these false inquires. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is miss Hard in quires 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.
Product: Credit card

Citibank VISA double charged my account {$4100.00} on XX/XX/XXXX. When I called Citibank and asked for an electronic refund, I was told that could not be done and that a refund check would be sent to me. I received a refund check for {$3400.00} on XX/XX/XXXX. When I asked for why there was a discrepancy of {$650.00} I was told that new charges were taken out. I then asked what were these new charges. Their customer service representative was good in looking these up for me but no prior explanation had been given to me. These new charges came to {$590.00}. So there was still a discrepancy. When I called back again, I was told that I had a previous balance which was taken out of my refund check. 
This whole episode was not fair. First, Citibank should not have double billed me. Second, if they could not refund electronically, they should have promptly refunded me the full amount overcharged. Third, there was no explanation given to me with the refund check as to why the amount was less than the overcharge. Fourth, the explanation given to me on repeated telephone calls was not satisfactory and I believe that I was still not given the full overcharged amount. Fifth, I have a credit card with Citibank ; not a debit card. Why were charges immediately taken out from my account?
Product: Debt collection

I have disputed this debt and I have formally requested validation and they refuse to comply with the law. They responded saying that they sent me information on XX/XX/21 and again that is not validation of debt. I want this account closed, because I have not agreed to do business with them under any circumstance. I have not signed a contract with Transworld Systems Inc or XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute information on my credit file. I have noticed there are unauthorized credit inquiries made by these companies listed above. To my knowledge, I have not signed documents authorizing these companies to view my credit report. These inquiries was made without authorization and for no legitimate reason. I never authorized such action and this constitue 's a violation of my right to privacy under the FCRA 604 as well as a violation of my right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and repeating discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle hasn't only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/2020 I received a Reliacard debit card from US Bank that I did not request. I tried contacting US Bank to cancel the card, but was placed on hold and was unable to speak to a live representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has suppressed my credit report for the third year. I've asked for it to be unsuppressed last year around XXXX of last year they told me I had to send in documentation with a copy of my drivers license copy of a form letter from Social Security. I did that. I also sent them a copy of a name, change XXXX XXXX change it was valid for 90 days is no longer valid. I'm waiting for the update from the XXXX XXXX XXXX, XXXX XXXX, who are two years behind I sent copies of my passport yet and still there's still some pressing my file after sitting them the proper documentation last year they turned around and suppressed my file and that allowed me to do with. Meanwhile, I'm getting denial credit. They're violating the fair reporting act, and here it is again they suppress my file without any rationale or statutes of law why they do it they do what they want. This is ridiculous. They don't follow the law they break the law consistently I've been a victim of identity fraud. They still have things on my ad on my report that do not belong to me. They remove it, then suppress my file and then put the incorrect or fraud debt back on the there
Product: Student loan

I made a large lump some payment {$70000.00} to my loans after I had spoken to Navient customer service on 2 separate occasions to confirm what my monthly payments would be. Both time I was informed that after my {$70000.00} payment my monthly payment would be about {$260.00}. After the payment was processed, I was then informed that my payments would be almost {$300.00} a month. This $ XXXX difference is about {$10000.00} more over the life of the loan. I feel that I was given incorrect information on 2 separate occasions and now will be paying {$10000.00} more then I was told. I would have strongly reconsidered making this large payment if I had known the correct info.
Product: Credit reporting or other personal consumer reports

- [ ] According to the federal credit reporting act ( FCRA ) section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to all 3 CRA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date is XX/XX/2019. And I was just billed by Transunion for XXXX . Now I did not sign up for any service whatsoever. I exercised my right according to what they advertised to me to get a free credit report around a month ago it must have been. So I can only assume that they automatically signed me up for monthly credit reporting, which I repeat I DID NOT sign up for, nor do I remember being notified that I WOULD be signed up for any such service. I dont even have enough credit history to have a fico score generated yet. I have found that I am not the only person who has been tricked into something like this, and according to them, the only way to unsubscribe to this service is to wait for absurd amounts of time on hold before I can speak to someone at transunion who will be able to help me with this. While I will be doing this tomorrow, as they are now closed, I am filing this complaint because I see this as a violation of my rights and in all honesty, a theft of my money. As a result of this complaint, I would like transunion to refund me my money. That is my primary motivation for filing this complaint. XXXX , I do not care about, but the principle of letting this go does not sit right with me. Let me know please what else you might require of me.