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

It caus on my credit report that I have XXXX or may have had XXXX. And I was treated for XXXX and the XXXX XXXX and I think that for one I dont want that info on my credit reports and for 3 how did they get that info and 3 it could have stopped me from getting XXXX in the past.i have a dream about opening a salon and what if I could have had that if I was approved all those times I tried to get a loan when my credit was XXXX I was still getting denied for stuff and still getting High interest rates and what if the reason was because of my XXXX I have been dealing with since I was XXXX? I think its wrong to have information like that on the web I had no idea all these treats its on my experian account
Product: Credit reporting or other personal consumer reports

I can not access my credit report and any updated information on my file through your website. I am sending supporting documents to confirm and verify proof of Identity. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

When viewing my credit report through XXXX, I noticed an inquiry from Syncb for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for care credit. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, XXXX, and Syncb.
Product: Vehicle loan or lease

late on XXXX XXXX I received a call from XXXX XXXX  verification that smoeone is tryin to act as me and stealing my identity to try to obtain auto loan or auto purchase at XXXX and elsewhere including XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  or XXXX XXXX Bank and also this was filed against and still awaiting further investigation. 
They noted the fraud and I filed a police complaint and also a CFPB complaint and on one of my credit reports I see that Carvana was also inquiring and likely same attemptted fraud so I am filing this to make sure carvana will share all details of this fraud with the CFPB, any law enforcement investigators and shut this fraud down. as I never heard from Carvana at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, XXXX # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # XXXX, DP OF EDUC # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX Enclosed : copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mother had to go to an XXXX XXXX facility in XXXX or XXXX. She threw away all of her paperwork ( insurance, loan, etc ) I did not know until she was very ill that she had a reverse mortgage. XXXX bought her loan from XXXX XXXX XXXX. I have a POA and I have been asking XXXX for documents, contracts and a loan history since XXXX of last year. I finally received paperwork in XXXX of XXXX and two days later was informed they are starting to foreclose on her house. Her contract with XXXX XXXX XXXX says the non-occupancy agreement is for 12 months. I believe it should be 12 months from the date I finally got documents. There is more to the story like they did not assign an individual to help me. Also I believe they changed the original contract she had with XXXX ( concerning occupancy ). I understand from a XXXX counselor and my real estate person that XXXX wants not only what they are owed but the equity in my moms home. She is absolutely and totally XXXX. I just want to get my moms house sold so I can take care of her. I am at wits end.
Product: Debt collection

On XX/XX/2021. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX called me on my cell phone. They asserted that I owed XXXX XXXX a balance in excess of {$500.00}. When I disconnected XXXX as far as I know there was no balance. In addition, I contacted XXXX about their equipment in order to avoid an equipment charge and they indicated, in writing that we could dispose of our equipment. There was not mention of any balance. Now more than XXXX year later XXXX is allegedly sending my account to collections. 

When I asked for documentation that would show such a balance the person on the phone put me on hold or mute and did not come back to the phone. XXXX are my notes from the call. 

Called from : XXXX Caller ID shows : XXXX XXXX XXXX  Called at XXXX XXXX - Alleged the call was about a XXXX XXXX balance Asked for payment I asked for what I am entitled to under FDCPA to verify this balance. 
They mute the phone and do not hang up but refuse to continue the conversation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Approximately in XXXX XXXX, I had XXXX  while XXXX XXXXXXXX XXXX set up to go to this bank. I also deposited a check of significant amount at this location. After being XXXX in XXXX and opening a claim for XXXX compensation I completed documentation to have my monthly payments set up to be deposited into this bank. I withdrew {$4000.00} once approximately XXXX. Later, after I returned, to check the status of my funds, I was told by a bank representative that I had never had an account opened there. That same day, I was also told by a bank teller that I had an account there, but the name had been changed on it. Then I was told by the same bank representative that mentioned I never opened an account there that my wife closed my account, and it was now in her/my son 's name. This bank representative was obviously upset that I had been informed by a bank teller that I had in fact opened an account. I provided her with the XXXX XXXX XXXX XXXXXXXX showing her the bank account number and XXXX, then she finally agreed that I did have an account there, but it had been closed and reopened by my wife in someone else 's ( my son 's ) name. After attempting to further resolve this issue, I was met with hostility and almost threatened that I was attempting to access someone else 's account. I was refused any assistance to meet with another representative.
Product: Checking or savings account

On XX/XX/2021 I went to Bank of America to deposit money I went to the ATM Machine and at first it was saying my money was still Processing but I had not put any money in the machine so I went in got someone that works at the bank he said just wait until my card comes out he said push amount so I push {$10.00} then my card came out so he said something wrong with this ATM machine so I went to the other ATM Machine he said put your phone over this symbol I did so after that I Look at my Receipt and it saying we apologize for the inconvenience we are unable to process your requests and can not return your items please contact our Electronic clams department team at XXXX to discuss this transaction i went into the bank they are saying they dont know whats going on to call customer service so I did that and the women who answered the telephone said we closed your account due to XXXX  XXXX  I said the card was saying decline she said I can sent you a new card then she said wait its saying your account is closed so she transferred me to someone else she said we closed your account we can do so at anytime I said nobody saying why it was closed so she said no I said what about my {$100.00} she said we we sent out a check XXXX XXXX
Product: Credit reporting or other personal consumer reports

These hard pull inquiries were pull on my credit report without my knowledge or consent. I want these inquiries deleted off my credit report immediately as they are hurting my ability to purchase a new home. 

XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am making a dispute against  Medical Data  systems in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request f or VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to m y credit reports (  XXXX ,  XXXX , and  XXXX   ). This action constitute fraud under both Federal and State Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have submitted over 3 disputes with XXXX XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
Product: Student loan

My federal student loan was through Nelnet. I have since paid it off, but during the course of the loan, they almost never mailed me a bill, even after I sent numerous Certified Letters and phone calls requesting them to send the statements/reminders - that I had no problem with the payments, but needed the statements. I even submitted a complaint to the XXXX which also fell on deaf ears. As such, I frequently missed payments that were not a problem for me to make financially, but caused major harm to my credit. My resolution was finally to just pay the whole balance ( not easy for my family but it was necessary ) so that I could cut ties with Nelnet. I believe this is their primary job : to properly bill their debtors and help them pay off their loans in a manner which keeps all sides satisfied. It should have been easily resolved by Nelnet but now it will be my ongoing problem for the next 7 years on my credit report, attempts to purchase a house, etc.
Product: Debt collection

This is a request for proof of contract to substantiate the claim by National Credit XXXX. The collection item from this company was reported in 2018. I request a certified copy of an original contract, with my signature specifically naming the company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If I can not be provided a copy of my signature on a contract, this debt is unverified and reporting it to ANY XXXX XXXX XXXX is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. I DO NOT have any contractual obligation to pay at this point and no proof of that has been provided. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Dispute Collections Account is closed and has been decreased to ( 0 ) Zero. TransUnion continues to report {$2900.00} as derogitory information. Have disputed twice. Complete discharge of debt completed. Creditor has acknowledged accord and satisfaction.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

Mohela received my loans over a month ago. My payments for PSLF transferred over. However, all of my months I was in forbearance did not transfer and are not showing. 

I should have 30 ( consecutive months that XXXX put me in forbearance ) XXXX ( cumulative months that XXXX XXXXXXXX put me in forbearance ) I do not show any of those. These are the months that once they finally apply the IDR Waiver will count. 

Mohela has not returned a message and I have sent 4 so far. 

The entire loan system is broken, people are being told wrong information. 

I will reflect back to XXXX when I was with Navient, they put me on extended graduate plan and never informed me about the IDR plan or PSLF. 

The lack of information cost me thousands of dollars and time I could of become eligible for forgiveness already. I began teaching in XXXX.
Product: Debt collection

Repeated calls to my cell phone throughout the day. 

Example : Received calls today, XX/XX/2021 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of the utmost importance to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Vehicle loan or lease

Ally Financial has not applied payments to the car loan accurately, and they have added months on the payments as well as reporting that I have 12 missed payments which is all false. They also report a late payment every month the the credit bureaus. The car loan was for 72 months, I received the car in XX/XX/2015, which means there should be 36 months left on the loan but Ally Financial is reporting there is 44 months left on the loan. The loan started at XXXX and 3 years later it is showing XXXX left on the car loan, IMPOSSIBLE. Based on what Ally Financial numbers I will be paying almost double for this vehicle which is a used XXXX. This company is stealing and will not talk and explain any of it. I can never get anyone on the phone to explain this, they only say what is showing which is the same thing that I can see from the online system which is FALSE.
Product: Checking or savings account

Huntington Bank, closed my account after I reported issues about them to YOU. 

Now, I will be evicted, because my SSI check was scheduled to be depositied on the XXXX!!! 

I want them sued, and arrested ASAP!!!!!!!!!!!!

They can not do that to someone in my situation, I have to pay rent!!!!!!!!!!!!!!!!!!!!!!!

SHUT THEM DOWN, AND GET MY SSI CHECK ASAP!!!!!!!!
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account opened at Rocket Mortgage on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove these hard inquiries from my report I do not have contracts with these companies nor did a give Equifax written permission to report this on my account. 

XXXX XXXX XXXX XX/XX/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

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX   failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.