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

I have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes  this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint for the 2nd time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. Equifax has kept these fraudulent inquires on my file, even though I contacted Equifax and stated that these accounts are linked to identity theft. My previous complaint and most recent # is ( XXXX ). Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and attempted to get this matter corrected, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. These inquires are 1.XXXX XXXX XXXX, 2. XXXX XXXX 3.XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX - 7. XXXX, 8. XXXX. Attached to this complaint here today is my Identity Theft report from the FTC in relation to thesed fraudulent accounts. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family as the woman of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received transunion letter in the mail which stated for fourth time to contact the banks which i have 9 times please read the complaint carefully below ************PLEASE READ********* I HAVE CONTACTED TRANSUNION 9 TIMES OVER THIS ISSUE AND I KEEP GETTING THE SAME RESPONSE WHICH IS TO CONTACT THE BANKS WHICH I HAVE 9 TIMES AND ALL 9 TIMES THE BANKS HAVE CONTACTED TRANUNION ON 9 OCCASIONS AND ASKED FOR THE INQUIRIES TO TO BE REMOVED AND FAXED THE BANKS AND SENT ME LETTERS SHOWING THAT THEY HAVE REQUESTED THE INQUIRIES REMOVED WHICH I HAVE SENT TO TRANSUION, TRANSUINON IS BREAKING THE LAW BY NOT DISPUTING THESE INQUIRYS. I am asking for {$30000.00} in damages at this point. Federal law states i may dispute anything on my credit report ANYTHING. PLERASE READ THE COMPLAINT BELOW THAT HAS BEEN SENT 9 TIMES : I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. XXXX XXXX XXXX XX/XX/XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX/2022. I HAVE ALREADY CONTACTED ALL THE BANKS THAT HAVE INQUIRED ON MY CREDIT REPORT FOR THE DATES AND NAMES LISTED ABOVE AND THE BANKS HAVE CONTACTED THE BUREAUS INCLUDING TRANSUNION, THE BANKS ALSO SENT ME LETTERS THAT I FAXED TO TRANSUNION SHOWING THE INQUIRIES NEED REMOVED. Transunion is breaking the law by not removing the fraudulant or mistaken inquiries. REMOVE THE FAKE INQUIRIES- YOU ALREADY HAVE PROOF THEY WERE SUPPOSED BE REMOVED- YOU ARE CAUSING ME DAMAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

when asking XXXX  to remove address they just change my address by combining the zip codes false removal process please have them correct it see attachments all ftc filed : XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute OFFICE OF THE ATTY GENERDispute U.S. DEPARTMENT OF EDUCATION
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and noticed company is reporting a balance on a account they listed as charged off or profit loss according to the fair credit reporting act they can not show a outstanding balance for a account charged off or listed as profit loss
Product: Checking or savings account

Wells Fargo has been mailng mediation request forms for several months, I was given tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation in which case, no payment received from that mediation.. When I called today, I was told all mediation efforts have been exhausted ... The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, XXXX XXXX  XXXX, both accounts fraudulent.
Product: Debt collection

On XX/XX/2020, I received a notification on my XXXX app that a new collection account had been added to my credit report. 
On XX/XX/2020, I sent a letter to the collection company, National Credit Adjusters, asking for debt validation, with a cease and desist letter, and asked them to validate the debt, as prior to this showing up on my credit report, I had no communication via calls or letters stating that a debt was owed to the collection agency or the company they state they are collecting for, which is listed on the credit report as XXXX XXXX. 
On XX/XX/2020, I also received that same notification on my XXXX   and XXXX  credit reports that a new collection account had been added. 
On XX/XX/2020, I drafted a second letter for request for debt validation and mailed it out on XX/XX/2020 via certified mail with return receipt. I received the signed return receipt in the mail acknowledging that the collection agency has received my second letter. 
It is now XX/XX/2020, and to date, I still have not received any debt validation from this collection agency - National Credit Adjusters, nor did I receive any communication from the company within 5 days of initial communication ( in this case, reporting the alleged debt showing up on all 3 credit bureaus ). 
Based on the Fair Debt Collection Practices Act, Section 809, I have requested debt validation, and I have received no communication from this debt collection agency, and based on that, they have violated my rights under the FDCPA, and the collection agency is still reporting to all 3 credit reporting bureaus that I owe the amount of {$1100.00} and trying to collect on a debt that they have not validated. 
I have included the correspondence I sent to National Credit Adjusters, proof of the new collection activity on XX/XX/2020 and XX/XX/2020 on all 3 credit reports, as well as the copies of the certified mail postage and signed return receipt form from the collection agency. This collection agency has ignored my attempts at debt validation, which I am owed under my legal rights, and they are still attempting to collect on an alleged debt that has not been properly validated under my rights of the FDCPA. 
Therefore, I am formally lodging this complaint, and I request that the collection account listed by National Credit Adjusters be deleted from all 3 credit reporting bureau records, and I hereby dispute this collection based on the facts that my rights for debt validation have been violated under the FDCPA, section 809, whereas I have requested debt validation from the collection agency within the first 5 days of their initial reporting to the 3 credit reporting bureaus of the alleged debt, and I also advised the collection agency that if they can not validate the debt, as allowed to me under my rights of the FDCPA within 30 days, as I have legally requested, that all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion request shall be sent to me immediately. To date, this has not happened.
Product: Student loan

In late '16, I was admitted to hospital and knew I was not going to be working due to illness. I contacted Navient and explained situation. They were very informative about my options and told me I need to fill out a form to have a deferment while I was unemployed. I asked if this was granted, I would not be officially behind in my payments. 
They stated I would be current and no late payments would show on my credit. I also asked if this freezed the loan and payment schedule, she stated it would. 

In XXXX, I checked my account to see when my payments begin and to my shock, interest was accruing during the ENTIRE deferrement period. In fact, I also noticed it had accrued from the moment I graduated. Noting this, my parents figured out my loan would cost over $ 15k in interest alone due to them NOT freezing the loan as stated and the interest over the life of the loan. 

As a result, I am fortunate that my parents paid off the loan in full to stop the bleeding. I now pay them a fair monthly amount with a fair interest payment saving me over $ 13k in interest alone. I know not every student is this fortunate, but I would hope the company would let us know that the day we graduate, interest starts. I would also hope they do n't tell other students looking for work that you can freeze your loan when in fact, interest is still ticking. 

I hope they cried when they received the balance knowing they lost out on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made 2 disputes with Equifax about these inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. I need these removed immediately. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account could not be verified or validated by Synchrony Bank/Amazon.com store card. All information including SSN, Address, DOB and account numbers were provide in the request.

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Product: Credit reporting or other personal consumer reports

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim.

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers.

I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages.

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud.

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt, Capital One Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 
15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have called several times this past year trying to ask who the alleged debt is for why they are continuing to garnish my wages when I have paid $ XXXX but last notice I received had the total a tad over {$4000.00} they can not find my name or SSN in thier system. 
They stopped in XXXX last year and did not start garnishing until XXXX this year as to work the system and let more fees add up. 
No one can tell me who the alleged debt is for or an approximate amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and credit bureaus will not delete.
Product: Money transfer, virtual currency, or money service

I was under the impression that I was sending deposits for an apartment to someone in the XXXX housing department. I was instructed to send exactly {$4800.00} via XXXX. On XX/XX/2019 I was instructed to show up for a viewing when I was arrived there was no one there. I sent messages and called to no avail so at this moment the scam was unveiled and I discovered there was no apartment. I called XXXX who then instructed me to call my bank to receive my funds back. After getting off the phone with XXXX I called Bank of America who told me they would take anywhere from 10-45 days to make a decision and on XX/XX/2019 they sent me a letter in the mail to tell me I authorized the payments and therefore they would not refund my money. What I do not understand is why I spoke to someone from XXXX who told me I could receive my funds back but since XXXX and Bank of America are separate entities my bank needed to request a refund on my behalf so I want to know why Bank of America will not refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX and was notified about a hard inquiry on my credit which was associated with XXXX XXXX XXXX. I do not know the exact inquiry date but just received the XXXX notice today, XX/XX/XXXX.
Product: Credit card

In accordance with the Fair Credit Reporting act, this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Old date and old address keep on popping up on my credit report.
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 XXXX XXXX XXXXXXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. Capital One failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under XXXX U.S.C. XXXX ( b ) ( l ) ( A ) through XXXX U.S.C. XXXX ( b ) ( l ) ( XXXX ). XXXX. With the failure to request removal of the Capital One trade line, and the failure to request the tradeline be marked as XXXX in dispute, my XXXX XXXX, a benchmark for near all facets of life in today 's society, was artificially deflated. Capital One 's actions were negligent and willful and wonton.
Product: Vehicle loan or lease

Good morning, On XX/XX/2021, my car was struck by a vehicle. I filed a claim with the drivers insurance company, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX deemed my vehicle a total loss. XXXX contacted my leinholder, Westlake Financial to obtain the payoff amount on XX/XX/XXXX. Westlake Financial released my financial information to XXXX with my consent or granted authority, on XX/XX/XXXX. 

I contacted Westlake Financial the morning of XX/XX/XXXX and was offered no information regarding their authority to provide my personal and financial information to any parties. This has caused a significant stress on an already adverse situation regarding my health and well being.
Product: Student loan

My credit report is showing this student loan was transferred in XXXX by Nelnet when in fact it was not refinanced until XX/XX/XXXX. Since Nelnet has been reporting to my credit report that they charged me {$13000.00} and that it was not paid showing in the negative while they supposedly processed an IBR on the account but has been reporting to my credit report delinquent XXXX with on time reporting through the IBR when in fact it was a charge accumulated over the course of XXXX yrs finance charge that was forgiven through COVID and they turned around and recharged by account the amount that was forgiven stating that it was a finance charge. This account has never been delinquent with an original amount of {$160000.00} now $ XXXX interest is inclusive not separate. This was reported to the ID theft because the furnisher stated that they did not furnish that information when calling the credit bureau they would not respond.