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

XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from us bank failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX and also us bank is off my XXXX and XXXX  XXXX failing to take it off XXXX and XXXX after disputing from the other credit companies that I have screenshots of the companies credit report deletion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Affidavit Of Dispute To Equifax please be advised that i am formally filing a dispute against you. 
The complaints previously file and served upon you shall act herein as pleadings and facts. 

I request that the issues formally mentioned be investigated and that the said accounts be removed from my credit report. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is has 2 world finance accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. XXXX just reaches out to the creditor and they write a statement and nothing gets resolved. If XXXX  just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.
Product: Vehicle loan or lease

Hello this is regarding my vehicle with Global Lending acct # XXXX my vehicle was totaled loss in a natural diaster the vehicle was paid off through vehicle insurance and Gap. however, this company reported my vehicle 30 days late XXXX so my request is two fold, first i ask that the company remove the late payment and also update the records to reflect that this vehicle has been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to these Equifax on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. ( PLEASE SEE ATTACHED LETTERS SENT TO EQUIFAX, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Product: Checking or savings account

XX/XX/XXXX I noticed some activity on my account, and I called Chime and let them know that somethings funny was going on. They brushed me off and told me that I needed to submit my social, license to support. When I went to go do that I saw that the email was sent 30 minutes prior. At that point I realized that my email was hacked into and the person called before me and they were able to send the email. Chimed in close my account and since XX/XX/XXXX have been axing me to send them my license, Social Security, and a picture of me holding some thing that says my name and the dates. I will send that to them every time and every time I send it they come back and tell me that they cant verify and then asked me for the same thing. It has been going on for a month now and the solution has yet to be resolved. They have told me that they sent this to a specialist to review and I sent that over to them XX/XX/XXXX, and yet nothing has been said to me since I sent them those same documents that the specialist asked for on XX/XX/XXXX.
Product: Student loan

The Alaska Commission on Postsecondary Education ( ACPE ) failed to properly notify me of the transfer of my loan from default to the collection agency based in Indiana XXXX XXXX XXXX XXXX XXXX ( XXXX ), and they also violated the state statute AS XXXX period of 30 days between their alleged notification to me and transferring the debt to the collection agency. Thereafter, in the effort to resolve and settle my student education loan debt with the collection agency XXXX, there have been many conflicting statements and advice from both the ACPE and XXXX. ACPE tells me I must settle the loan with XXXX and likewise XXXX tells me I must settle the loan with ACPE. Neither take responsibility for agreeing upon a settlement with me and have been unreasonable in their treatment of my debt case. I would like to note that my father sent a check of 50 % of the original balance of {$34000.00} to XXXX to settle the loan debt completely on XX/XX/XXXX, however it was rejected by XXXX as they stated they did not have a settlement agreement on file from ACPE. Therefore I sent the settlement offer in writing on XX/XX/XXXX to ACPE. Currently XXXX is reviewing my offer, and financial form documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  went to collections for the amount of the reported balance of {$1900.00} from XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6 0 2 states I have the right to privacy. 5 USC 1681, Section 6 0 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Vehicle loan or lease

Vehicle has multiple issues with the electrical system and am in the process of working with the attorney general to refund money paid and hold the dealer liable for the loan. Westlake financial is refusing to let me put the payments on hold pending the outcome of the lawsuit. 
The vehicle is currently sitting in my driveway for over two months dead unable to be driven.
Product: Credit card or prepaid card

Starting in XXXX of XXXX, I texted my salesperson XXXX XXXX and I called XXXX XXXX XXXX, er Service to ask for copies of the receipts for my purchases and that I was disputing the balance owed to them. The receipts are the long strips of paper generated when I made the purchase, signed by me and describing the purchase. 

Every month I spoke with XXXX XXXX to remind them I had not received the requested receipts and that I was disputing the balance. When Capital One closed my account in XXXX XXXX, XXXX XXXX Customer Service failed to notify Capital One who owns their credit cards that there was a dispute over the balance owed. 

XXXX XXXX returned merchandise to me that I never received. They refused to file a claim for the lost merchandise with the shipper, XXXX XXXX. They refused to acknowledge that I was asking for a credit for the lost merchandise. 

This failure has caused my account to be closed and damaged my credit score.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX  I was selling a treadmill that I longer needed because I was moving, on XXXX XXXX. I then get a message from someone saying they wanted to buy it and that they are very interested because they are moving to the state that I was in so that it would be better for that person to buy it here. This buyer then tells me she can send me a cashiers check for the item, I agree because I didnt think anything of the person buying, at the time this person gave me their phone number and agreed to meet up with me the weekend of them picking up the item. I received check, everything was fine until it came to depositing, turns out check was fraud. The bank that I banked with at that time closed my account completely did not try to help me at all, I can not bank with no financial center, I cant open a debit or credit card account, this is very upsetting to me Im not sure what to do.
Product: Credit card

Discover card approved my application for credit. After mailing the credit card, they are saying that the application should have been denied due to the previous account being revoked. I made my payments on time for the previous account and Paid the account in full. The previous account was closed because of too many disputes. 
That 's what Discover told me. 
The payment verification team put a hold on my newly approved account and now, I have not even been able to use it since I opened it. 
I feel discriminated against and I am being denied credit when I am legally approved for it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting

Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note
Product: Debt collection

I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXX and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and XXXX XXXX has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
Product: Debt collection

Here is the deal I have debts with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a couple more. That were done by my XXXX ex husband. He took all my identity cards, he got so many things on my credit that I didnt approve sometimes not even know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he destroyed two cars on this report. He got an ex and then let it get repo a month later. He got a stereo system on my credit. Clothes, phones all sorts of stuff I have reported to cops, I have reported to the credit people. I need help. This is not fair that he has literally destroyed my life, body, mind and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a great credit score/history and am able to see and get credit reports from both XXXX XXXX and XXXX. However, my Experian credit report shows that it is unavailable. This is affecting my ability to apply for credit cards etc. I have contacted the company, removed freezes and holds that were on the account from past identify theft, but still my report from Experian is unavailable. I have tried several times to contact them about this issue and am not able to speak with anyone in regards to getting this fixed.
Product: Debt collection

This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Multiple unsuccessful attempts to resolve invalid collection activities without involving law enforcement or litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I contacted Gemini Credit Card in regards to my open account. They responded stating that my account was actually closed. However, they never removed themselves off of my credit report. XX/XX/2023 - I emailed Gemini Credit Card and asked them to remove themselves off of my credit report immediately since my account was closed. I never heard back. I have contacted them several times since then, and still no response. XX/XX/2023 - I dispute the account with the credit bureaus stating " Account Closed '', and during the investigation Gemini responds to XXXX stating that the account is actually active and they reject my dispute to remove the closed account. I contact Gemini Credit Card once again, and AGAIN they state my account is closed. I am vexed at their incompetence and need this matter resolved immediately. Either activate my credit card, or remove yourself from my credit report.
Product: Debt collection

This company sent me a collection letter on XX/XX/2018 regarding an alleged debt that I know nothing of. I responded within 14 days, requesting debt validation according to the FDCA to provide proof of identity used to open the alleged account as well as a signed contract bearing my signature showing obligation to pay. They responded on XX/XX/XXXX with a copy of a bill print out. I sent a 2nd request for debt validation since a copy of a bogus bill that is not mines does not constitute as debt validation under the FDCA. Again I requested proof of ID used to open such account and a signed contract bearing my signature, along with a copy of a judgment and proof that they are licensed to collect in California. Their response was that they sent the bill print out as validation. This company is violating my rights, threatening me and at this point, I'm considering it as continuous harassment. They failed to validate this debt, they fail to respond to the requests in my letters and they continue to break the law and violate the Fair Debt Collections Act. They need to cease collections and stop harassing me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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
Product: Debt collection

On XX/XX/2021 I was notified by my mother that she had received a call from a man named XXXX XXXX from a CSR and associates. The man she spoke with claimed that he was trying to contact me regarding an old payday loan debt from a company called XXXX XXXX XXXX. During the conversation this man told my mother he was preparing to take legal action towards me regarding this debt and that they would be filing it as a felony case, implying to my mother that I would be arrested and imprisoned for failure to pay the debt. After speaking with my mother regarding the call I attempted to contacted Mr. XXXX at XXXX. The phone was answered by a woman who did not state what, if any, organization I had contacted. I hung up the phone but was immediately contacted by Mr. XXXX. Mr. XXXX stated that he would be filing a law suit against me in XXXX court on XX/XX/2021 unless I could work with him to immediately pay the " debt ''. When I requested verification of the debt Mr. XXXX stated he would email it to me. When I stated that I would want a physical copy of the verification Mr. XXXX stated " We're not going to do that '', at which point I ended that call. I don't believe this is a legitimate attempt to collect a debt, however if it is a legitimate attempt then I am deeply upset by the fact that this company provided information regarding my case to my mother, an unauthorized third party. Any information regarding the validity of this matter would be greatly appreciated
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I last came back I checked my credit reports and saw these unauthorized fraudulent accounts on my credit. XXXX ) XXXX XXXX  CREDIT CARD I NEVER OPENED XXXX ) XXXX XXXX XXXX I NEVER OPENED XXXX ) XXXX XXXX  CREDIT CARD I NEVER OPENED, this is a fraudulent account. XXXX ) XXXX XXXX  ACCOUNT I NEVER OPENED OR HAVE A CONTRACT WITH. please remove these unauthorized fraudulent accounts from my credit bureaus
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> World Finance Corporation XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Dear World Finance Corporation, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter.

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Debt collection

I'd been living at a house since XX/XX/XXXX. On XX/XX/XXXX, I moved out leaving my last month deposit, {$500.00} pet deposit, and half a month rent. I cleaned the house and dropped off my keys. A couple of weeks later, I got a letter demanding {$3700.00} in damages to the house. I was then sent to collections. I've written twice with no response. I left the house with normal tear and wear. I've attached both letters and the lease. This collection is baseless. The landlord wants to charge me for paint and carpets for the new tenant. When I moved in the house neither the paint nor the carpets were new. I want this removed from my credit report because it's damaging in an unfair way.
Product: Credit card or prepaid card

I opened a credit card with SoFi and earned XXXX reward points from this card, which according to their Terms and Conditions I should be able to redeem as {$160.00} to my checking account. 
When I contacted them for redemption- they told me that I need to combine my credit card account ( registered to XXXX ) with my checking account ( registered to XXXX ) and they created a technical request to do that. 
When they combined these 2 accounts into one ( XXXX ) I discovered that they moved my credit card to this account, but they have not moved my earned points. So now I have my credit card registered on XXXX, but my points on XXXX, so I can't redeem them at all. 
I contacted them multiple times, each time I had to spent 1-1.5 hours on the phone, explaining this problem. Their customer service have people with zero understanding and zero willingness to help. All they could do- they created a technical case to move my reward points from old account and promised to call me back. That happened twice. And both times nobody called me back and I received emails like this : " This email is to inform you that the technical issue ticket you reported most recently via ( OIS Ticket # : XXXX ) has been determined to be closed and/or resolved. '' I conclude that they have zero respect to their own customers and zero responsibility to honor their own Terms and Conditions.