23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/year> Credit Corp Solutions LLC To whom it may concern I have recently pulled report and noticed that there is a collection listing from your agency I have never been informed of this collection action, or that I owed the debt This letter is to inform you that I have the right to request a validation of this debt, and your ability to collect his money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

-Please attach copies of the following documents : -Agreement that you have authority to collect on this alleged debt -Agreement that bears the signature of this alleged debtor with promises to pay the original creditor -Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company Sincerely XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Seterus Inc effective XXXX/XXXX/2016. Seterus Inc sent me a welcome letter dated XXXX/XXXX/16. As this was a holiday weekend ( XXXX ) I did not receive the mail until XXXX/XXXX/2016. Nowhere in the letter did it indicate the total amount of mortgage Seterus Inc purchased nor, the monthly payment due. I sent my payment electronically to Seterus Inc for a payment ( {$1500.00} ) I would normally have paid to XXXX XXXX XXXX on XXXX/XXXX/2016 as I was unable to reach anyone at the XXXX number Seterus Inc has for customer service. On XXXX/XXXX/2016 Seterus Inc sent me an URGENT XXXX letter dated XXXX/XXXX/2016 which stated my mortgage loan may be in delinquency and I needed to send the paperwork in the XXXX package completed back to Seterus Inc as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/2023
Product: Checking or savings account

on XX/XX/XXXX I opened two new accounts ( Checking and Money Market ) at SunTrust and initiated ACH transfers to move funds from XXXX XXXX savings accounts into the new accounts. The entire process was done on-line according to SunTrust 's instructions. In total, {$27000.00} in funds was removed from my XXXX accounts on XX/XX/XXXX. During the process, SunTrust deemed the transfers to be a internal rule violations and terminated my customer relationship and closed the accounts. No one at SunTrust will tell me where the money is or what rules may have been violated and no additional information has been provided. While I do have someone at a local branch attempting to help me with the situation, all of the SunTrust customer support representatives ( including Managers ) either refuse to tell me the reasoning for closing the accounts or have stated that they have no such information. At the moment, SunTrust took {$27000.00} of my money and no one seems to know where it is.
Product: Credit reporting or other personal consumer reports

I asked for my credit report to have accurate information about my bankruptcy chapter 7 to be removed due to the XXXX now XXXX timeframe, nothing happened, and for my name to be correctly spelled out. I request that several addresses I have never lived at be verified and removed, they are on my report today XXXX.
Product: Credit card or prepaid card

I recieved my unemployment deposit the night of XX/XX/18. I checked my balance- it was XXXX. A second deposit- pua of XXXX- was deposited. My account was then closed permanently- without my knowledge and with no warning-blocking access to my remaining balance. I have been on hold trying to fix this issue- only to be told there is nothing anyone can do. In the service agreement it states account can not be closed with a remaining balance without my permission- which I didnt give.
Product: Debt collection

Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX + All Banks XXXXXXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo in 2022 was sued for overdraft transaction fees it was doing because they were illegal they've taken XXXX $ from me between XXXX from overdraft fees that I never authorized because I opened a overdraft protected account that they switched without my permission or knowledge and started charging me for using said account I wanted my money back from all the times I was swindled out of my money.
Product: Credit reporting

Equifax continues to erroneously report Chapter XXXX bankruptcy information. They have claimed repeatedly that they are not doing this -- but a credit report pulled today by my mortgage lender confirms that they are : Good Morning XXXX XXXX : I just got off the phone with our XXXX party credit reporting agency and evidently Equifax is the only credit bureau that is reporting the XXXX XXXX XXXX XXXX accounts as a Chapter XXXX versus a Chapter XXXX. 

Here is the documentation they will need to go straight to Equifax to have this corrected:1 ) '' Discharge of Debtor '' page of the bankruptcy paper work2 ) Schedule " D '' of the bankruptcy paper work showing the XXXX XXXX XXXX XXXX accountsPlease send to me and once received, I will send a credit repair letter to our third party credit reporting agency to have changed from a Chapter XXXX to a Chapter XXXX. 

Also, fyi, here is information regarding the XXXX XXXX XXXX XXXX accounts in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX of XXXX XXXX Opened XXXX XXXX XXXX Credit Limit $ XXXXXXXXThanks! 



XXXX XXXXBranch ManagerNMLS # XXXXPhone : XXXXXXXXToll Free : XXXX XXXXCell : XXXXXXXXFax : XXXXXXXXXXXX
Product: Student loan

In XXXX, XXXX XXXX which was the loan holder at the time now taken over by Navient, when the original loan was issued in XXXX my ex-husband XXXX XXXX, XXXX & his wife, XXXX XXXX forged my name & signature on the Parent Plus Loan online electronically using my name XXXX XXXX XXXX & Social Security Number from their home computer used all my personal info so they could obtain the loan & unknowing to me. This loan also did not need a co-signer since it was a Parent Plus XXXX which did not need a co-signer. So 8-1/2 yrs. went by & they were paying the loan, when suddenly they stopped due to financial reasons & stuck me with the loan. I tried every local resource the Dist. Atty., the local police, gathered all the information I could submitted it to XXXX XXXX ( at that time ) they claim there was nothing they could do even though it was identity theft. Long story short, I feel that due to the identity theft & fraud using my naming I should not be responsible. I addressed this w-my son & they brainwashed him & he told me my dad, XXXX XXXX, XXXX & his wife, XXXX are paying XXXX of his loans & basically he would not pay this loan at all and is now estranged from me over it. Pls. I need some help on this as I can not afford it to continue to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.
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.

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 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 ant
edates 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: Credit reporting or other personal consumer reports

Experian, This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on on several dates without my permission, or without a permissible purpose by law, you are also in violation of Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with any of these companies. Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with any of these following for review or collection.

Pursuant to 15 U.S.C. $ 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA {$610.00} ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ). Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Previously a student with XXXX XXXX XXXX XXXX XXXXXXXX ) enrolled in XXXX XXXX XXXX XXXX XXXX the school lost XXXX, discontinued courses, and no longer offered a degree program. I contacted the Department of Education ( loan carrier ) and they filed a suit against XXXX to have accreditation revoked. Accreditation issues were a longstanding issue with school and has been communicated since 2008 which XXXX XXXX XXXX XXXX of XXXX placed them on probation and later revoked accreditation again. Students had no acknowledgment of these issues until the bill was created. I contacted the XXXX XXXX  XXXX to dispute the amount balance, which should be XXXX XXXX but never agreed, could not produce accurate information from the school or come to a fair agreement. I filed numerous applications to later be informed by staff, we never received your application. On a couple of occasions and now recently on pending status. Because, of the count attempts to fix the loan amount and the court documents finding the school incompetent to render services.I am filing a complaint to ask for assistance with this matter so I can address my credit, buy a house and avoid higher interest rates and larger down-payments.
Product: Credit card or prepaid card

In XXXX of 2019, Macy 's put a late payment on my account. This was an auto bill pay issue and Macy 's recognized this on their end and said they'd get it removed from my credit report. It's been several months since I submitted my complaint, however the late payment has still not been removed. It's been reported by all three major bureau 's and has greatly lowered my score.
Product: Debt collection

my bank account was seized, i just turned XXXX XXXX XXXX on XXXX XX/XX/XXXX, i called the company XXXXXXXX XXXX today ( sat XXXX XX/XX/XXXX ) they said that i have to call on Monday again i went to XXXX and i have a lot of collections on my credit report, the credit report says that i was born on XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : BRCLYSBANKDE XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my accordance with the fair credit reporting & XXXX  account # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15.USC.1681 section 602. A states that I have the rights to privacy.

15.U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Today I am writing to you about my account with BMW Financial account # XXXX. My account was on autopay so I am unsure why late pays are being reported.
Product: Debt collection

On XX/XX/2023 at XXXX XXXX, I received notification from my bank that my account balances were {$0.00} for both my checking account and my savings account. I thought it was a fraudulent situation so I called my bank. I was told that it was a court order in the state of Florida to garnish my accounts. I have not received anything in writing nor any phone calls about this. I was given a phone number to call by my bank and it belongs to Zwicker and Associates, but because it's after hours, I was unable to speak with anyone. Over {$3000.00} was taken from me and I have a pending rent payment of {$1900.00} being processed as well as other bills on automatic draft payments. How is this possible with no notice to me?! No letters, calls, or any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is erroneously reporting on all 3 of my credit reports and this account is not mine.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023 I paid the company XXXX  {$28.00} out of my cash-app account to check if my XXXX XXXX  XXXX XXXX qualifies for mobile unlocking codes to unlock the phone from the carrier XXXX XXXX XXXX They were able to conclude that it did qualify for mobile unlock codes. Also on XX/XX/2023 I paid this same company an additional {$83.00} to move forward with the unlocking of this device. After 7 days they sent me an email stating that my phone was not able to be unlocked with codes but instead would require me to download software to a computer and unlock it with the software. They gave me credit notes for their website in the amount of {$28.00} and {$83.00} instead of refunding my money to the account I paid with. The software download cost {$79.00} which I used part of the credit notes for and sent an email to the company on XX/XX/2023 requesting to have my remaining credit notes after that purchase refunded to my account that I paid with. The remaining credit notes after the purchase was {$33.00}. The company never responded to my email. They were not able to send me the software to download and gave me another credit note for {$79.00}. This made my total credit notes {$110.00}. Afterward the company sent me an email stating that whether or not they were able to resolve my issue they wanted to draw my attention towards their fraud policy, that stated nothing about the issue I addressed with them, I sent them another email on XX/XX/2023 stating that I needed my {$110.00} worth of credit notes refunded into the account that I paid with. I waited 10 days before I sent another email on XX/XX/2023 to the company stating that I needed my {$110.00} worth of credit notes refunded into the account that I paid with. The company has not responded to any of the emails. I have contacted CashApp support to try to dispute these purchases on two different occasions because I never received the service that I paid for, but CashApp has decided that there is nothing wrong with these purchases and refused to dispute these charges twice now. I have all emails for documentation of these events and bank statements showing where and when I paid for these services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX Account is reporting and I have no knowledge of the account. 

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and Navy Federal Credit union is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for 7 years now. I need it off my credit report. It is fraud. Thank you.
Product: Vehicle loan or lease

Hi we financed two vehicles. My XXXX XXXXXXXX XXXX XXXX XXXX. We got it at a reduced price {$11000.00} credit acceptance website says almost {$22000.00}. My husband 's car {$7500.00} it says almost {$12000.00}. They messed up our credit score big time. They're doing it to others to.