23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I opened a line of credit with Huntington Bank. The account number I am referring to is # XXXX and it is attached to some land I own in Michigan. I asked the bank for statements a long time ago and never received them. I am currently selling the land and I asked for statements covering years XXXX through XXXX. I originally talked to XXXX there about these over a month ago. When I never received them, I called back and she said she put the wrong account number on the request. I again asked for these statements and the bank demanded {$900.00} for copies. I told them I needed to check some discrepancies on the loan amount. I plan to pay them off, but I need to go over these documents. I called to talk to XXXX 's manager, XXXX XXXX, but she was unavailable. XXXX said the bank is demanding payment for the copies or they will not supply them to us. I told them it is in their best interest to give us the copies so we can check them over, but they refused. I want to get this loan paid off but the bank will not work with me on this information. I am disputing the amount they have down of {$14000.00} for cash advances and {$7000.00} for purchases. I am trying to find out where these figures came from when I do n't remember authorizing these charges. A copy of these statements would help to clear this up, but I am a XXXX and can not afford to put out {$900.00} for copies. I have tried to work with this bank to get this resolved, but to not avail. I really need your help. I want to make sure the amount showing I owe is accurate. It seems too high since I have been paying for such a long period of time. You would think the bank would help me so I can resolve this and pay them. Again, please help because they will not budge for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.
Product: Credit reporting 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : XXXX XXXX XXXX SERVICES : XXXX However, they stated everything was complete and accurate but how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XX/XX/19, I received a notice from XXXX that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, TransUnion and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Alleged Balances of XXXX and XXXX are unverifible To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ XXXX XXXX XXXX } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


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

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
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.
Product: Debt collection

I reached out to the original creditor XXXX on XX/XX/year>. I asked if we could settle our debt. We came to an agreement that I would pay XXXX and our debt would be settled. Although we settled, XXXX still turned my account over to a collection agency. The collection agency is DNF associates. I provided proof of payment to DNF. XXXX  also confirmed that we settled and DNF still reported in accurate information to my credit report.
Product: Credit card

my wife and I, have an account ( credit card ) with Lowes, we purchased a Refrigerator almost two years, we are making payments. payments are schedule on the XXXX of every month. on XXXX XXXX I sent my payment online using their website, two days later I went online and checked my balance and I notice they had charged my {$38.00} late fee. I called them to fine out why they charged me late fees and the reason I was told is that the payment was posted the following day.
Product: Checking or savings account

Originally the XXXX Bank made it very difficult to transfer funds from the accounts creating arbitrary roadblocks and developing new reasons for not honoring a wire transfer. After I complained and that I might file a complaint with the Federal Government, the froze the accounts, blocked by online banking, and filled an erroneous complaint with the XXXX XXXX XXXX of AZ.
Product: Credit card or prepaid card

I have used XXXX XXXX XXXX  credit card for several years without a problem. When I tried to make a payment on my XXXX credit card, I found out it has been sold to Comenity - I had no prior knowledge of this transfer. I was given a number for Comenity and on Friday, XX/XX/22, I contacted Comenity and was informed that my credit card with XXXX had been cancelled on XX/XX/22. There was no prior notice given. I was told that a credit card had been mailed and I informed them I had not received it. They apologized and a new card was issued and supposedly expedited ; I was told I would receive it within 48 hours. Today I called & was informed that I would receive the card no sooner than XX/XX/22. I had the XXXX linked to XXXX, ( where I purchase groceries thru XXXX XXXX ) and have not been able to use the credit card. 

I have no confidence in Comenity and would like to cancel this credit card without it affecting my credit score or losing the rewards I had with XXXX, approximately {$70.00} +/-. I would appreciate any help you can give me. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXXXXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

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

On XX/XX/2022 I received a copy of my credit reports. After reviewing these reports, I identified an account that I did not recognize being reported by EXTER Financial. XXXX XX/XX/2022, I sent EXTER a letter disputing the entry and requesting documentation that I had a contractual obligation to pay them a debt. I send this letter via USPS Mail, certified with a tracking number of XXXX XXXX XXXX XXXX XXXX, which was received and signed for on XX/XX/2022. 
On XX/XX/2022, I received a new copy of my credit report. Upon examining it, I noticed that EXTER failed to annotate my credit report as Disputed by Consumer, in accordance with the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of information to consumer reporting agencies. Paragraph ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person ( EXTER ) to any consumer reporting agency is disputed to such person ( EXTER ) by a consumer ( ME ), the person ( EXTER ) may not furnish the information to any consumer reporting agency without notice that such information is disputed by consumer. 
On XX/XX/2022 I prepared a 2nd letter to EXTER Financial and informed them of their error in following the FCRA. That letter was once again send via USPS Certified mail, tracking number XXXX XXXX XXXX XXXX XXXX, which was signed for on XX/XX/2022. 
On XX/XX/2022 I received an updated credit report, and noticed that not only did EXTER again fail to follow the FCRA, once I informed them of their mistake, they again reported a closed account to all three Credit Bureaus. 

This type of failure to follow federal law should be taken very seriously, and they need to be help accountable.
Product: Credit reporting or other personal consumer reports

It's imperative to adhere to FCRA 605B and remove any incorrect accounts from my credit report. Please address the inaccuracy promptly and compensate me with {$1000.00} per error.
Product: Vehicle loan or lease

i purchased a XXXX XXXX from my ( soon to be ex ) husband for the amount of loan of XXXX from navy federal credit union. NFCU release the tile back to him and he has disappeared with the truck and money. he removed XXXX from my personal checking account and NFCU told me to get a lawyer it is a civil matter. i paid for the truck and they refuse to give the tile and the ohio DMV shows my husband is still the owner of the truck
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRY : XXXX XX/XX/2023
Product: Student loan

I have worked for the XXXX XXXX XXXX for over 10 years while making payments with the intention of receiving the forgiveness under the Public Service Loan Forgiveness ( PSLF ). I have submitted my Employment Certification Form ( ECF ) over 3 times and received 3 different statements with 2 stating that I did not work for an agency that falls under the criteria. This has been debunked my HR team both times. Finally after proving to them that this was incorrect now they have turned down my ECF due to the following statement : NOT ELIGIBLE : based on our review, you do not have any eligible loan types. Under law the PSLF is only available for loans made under the XXXX XXXX XXXX ( Direct loans, which was my original loan type before it was sold to another borrower and now Navient ). I contacted them and they refused to change their answer. They sold my loan, changed the characterization of the loan ( probably for this reason ) and all while I had no agreement to this or did I sign a master promissory note. They now claim ZERO dollars apply to my loan forgiveness and I am getting a lawyer to take on the DOE. Please look into this as the customer service agent I spoke to said this was a common issue and she used the term " corrupt '' to describe it.
Product: Debt collection

Exeter finance is trying to scam me out of money i do not owe them for a car that they repossessed and sold already at a auction
Product: Debt collection

XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a  XXXX phone bill they are trying to collect in the amount of {$5100.00}. 
XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed. 
- I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address. 
XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit. 
I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REQUEST TO BLOCK INFORMATION DUE TO IDENTITY THEFT I am writing to formally dispute the validity of the debt listed under my name and social security number, specifically the account titled " DEPT OF EDUCATIONXXXX  '' ( Account # XXXX ) which was allegedly opened on XX/XX/2015, with a reported balance of {$150000.00}. 

I have no knowledge of this account and firmly assert that I did not open it or authorize anyone else to do so on my behalf. Consequently, I believe that I have been a victim of identity theft.
Product: Debt collection

I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my loan was transferred to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

My loan was with XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX never mentioned XXXX XXXX XXXX XXXX to me in XX/XX/XXXX when I inquired. I told them that I am a victim of identity theft/fraud. 

XXXX XXXX XXXX sent me a detailed explanation of the transfer. XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX is a division of XXXX XXXX XXXX. Their corporate office that is located in XXXX Texas. 

I was given a detailed explanation. Also I have a copy of my Deed of Trust from XXXX XXXX. It was added to the XXXX County register office XX/XX/XXXX. The number is XXXX. I paid that loan off, the amount of the loan was {$11000.00}. XXXX XXXX XXXX did not report this to XXXX XXXX XXXX XXXX when they transferred the loan. 

The original parcel property tax number is XXXX. This was recorded in XXXX County register office. Lot XXXX, plat book 64 page 33. I purchased the property from XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 

The address is XXXX XXXX XXXX XXXX Tennessee XXXX. The parcel property tax have been changed. XXXX XXXX Paid taxes on the property and did n't report to IRS. 

XXXX XXXX XXXX XXXX XXXX paid property taxes on the property and did n't report to IRS. Yet my personal information was being used fraudulently for years. 

All of these things were being done while I was under wage earner. Government documents were being tampered with by person/persons unknown without my knowledge. 

Yet XXXX XXXX XXXX XXXX took my home with the help of Attorney XXXX XXXX in XXXX TN. XXXX XXXX XXXX did not notify me of my loan being transferred. 
I just learned of this XX/XX/XXXX. I was given a detailed explanation of transfers. 
All three were internal transfers. From XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. The same loan number was used. Three different Federal Identification numbers was used to report to IRS. 

I never would have known if it was n't for Consumer Financial Protection Buearu. 

My mail was being stolen through United States Postal Service for years without my knowledge. If XXXX XXXX XXXX mailed this information to me. 
The Bank sent this information to me upon request in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. 
Please remove the disputed items below : XXXX, and XXXX & I am including it again., 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