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

Im not liable with this debt with XXXX XXXX, XXXX, Virginia XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I do not have a contract with this collection agencies. They did not provide me with the original contract as requested. 

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. 
XXXX XXXX, XXXX, Virginia XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 


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

I have recently pulled out my credit profile from Experian company. I have found out XXXX or more accounts that are incorrect, I have contacted the credit report company, Experian, to ask them to investigate the incorrect accounts that affect my credit files. But Experian sent out the letter that said " we received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you ''. ( see attachment ), although I have enclosed my government ID and a recent electric bill. The reason I have sent many letters to ask Experian to investigate, because Experian has listed many incorrect items and infomation on my credit report. I can not send XXXX letter to ask Experian to investigate for XXXX or more items that are incorrect. It just does n't make any sense to me to receive this letter from Experian. They Just wanted me to dispute online via their website, and I did. But when I tried to dispute the incorrect account and they did n't let me do it. They said it was investigated for previous disputation. Now I try to access their online result to attach with this letter, but it said the system error ( see attachment ). I 'm not satified that. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchtruly Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up for the few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC 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, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX, XXXX, XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING ....

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...
Product: Mortgage

In XXXX, Citizens One Home Loans closed my home equity line of credit for further use. In XXXX I paid off this line of credit. Their Lien Release Department never released the lien from my title. I am in the process of refinancing my mortgage and ca n't do so until the Certificate of Satisfaction is filed. This was requested XXXX XXXX, XXXX. On XXXX XXXX, I was told they were in the process of preparing the certificate. on XXXX XXXX, XXXX, I was told it was not done. How do I get them to clear my title? I have requested a Pay Off Statement, but since I do not owe any money, they will not do this. I can not close on my refinance until either the Certificate is file, my title is cleared, or I receive a XXXX payoff letter. Every day I call an am told someone will call me back but no one ever does. I understand it can take months for the jurisdiction to record the document, however, I ca n't get Citizens One to even file the document.
Product: Checking or savings account

On XX/XX/XXXX, I received 29 posted charges of {$19.00} from " XXXX '' which I did not authorize deeming this was fraudulent activity. On XX/XX/XXXX, I received another XXXX posted charges of {$19.00} from " XXXX '' which was again, fraudulent activity. I disputed the first 29 charges because they were posted charges and was credited the {$570.00} from a Chase claim supervisor named XXXX. Once the remaining 28 charges were posted, I filed another claim which I was credited {$550.00} 2 hours after the call. I did not approve nor did I make the 57 charges of {$19.00} ( {$1100.00} ), every person I spoke to also agreed that this was fraudulent activity. The Chase supervisor who helped me out was " XXXX XXXXXXXX '' and provided me with information such as reference #, claim #, but no documentation about my claim. I was also told that I was going to receive information and never received any email, notifications, or documentation regarding my claims. I have spoken to Chase claims about 4-5x with each phone call being 30 minutes to 1 hour. All of which they stated that I was going to receive documentation about my claims, none of which appeared in my account or email. On XX/XX/XXXX, I just discovered that 32 claims were reversed totalling {$630.00} because my debit card is at a balance of " {$0.00} '' and I received an email stating I was in danger of an overdraft fee. Chase has now reversed {$630.00} of fraudulent activity without even explaining or updating me about my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Experian for discriminatory actions against minorities. Currently, this company refuses to correct inaccurate data information on my credit report. They continue to report erroneous information. This company has also mailed my personal credit report to my previous job address, which I never gave them permission to do so in the months of XX/XX/XXXX to XX/XX/XXXX. I already sent them correspondence with my home address of prior record being XXXX XXXX XXXX. This company refuses to remove incorrect information such as XXXX account when they reporting it as late, when this account was closed since XX/XX/XXXX. 

I reached out to Experian and they refuse to investigate the matter. I can not even submit a request online to submit a dispute. There are approximately 5 accounts in which they refuse to correct on my account.
Product: Student loan

From  XX/XX/XXXX  through  XX/XX/XXXX , I made  28  payments of {$180.00} to Mohela. None of these payments were posted to my account. They were sent to  XXXX   XXXX   XXXX ,  XXXX  Missouri  XXXX . These were sent via my online billpay service through  XXXX .  <P/> According to Mohela - due to the fact that I had declared bankruptcy, my loan was put into " Bankruptcy '' status and stopped receiving payments. However, instead of returning the payments or notifying me that they were no longer being accepted, Mohela forwarded these payments to "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' as they were the guarantor of the note. Mohela informed me that to recover these assets or have them applied back to my account, I would need to reach out to the guarantor.  <P/> I was advised to call  XXXX . This is a phone number for  XXXX .  XXXX  informed me that they had received no payments from Mohela and that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX  , other then acting as a servicer. They advised that I should call the  XXXX   XXXX   XXXX   XXXX  at  XXXX .  <P/> This number is ALSO a phone number for  XXXX . When I called that number, the same person who had answered when I called the  XXXX  number answered again. They also advised me that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and that they had no record of receiving any funds from Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with Experian on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet Experian continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written XXXX unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the 3 credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which Bridgecrest never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
XXXX  XXXX XXXX Balance Owed : {$500.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$500.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP.
Product: Checking or savings account

Hello, three months ago I was in the process of obtaining a mortgage and signed up with Experian to obtain my detailed credit report from all three credit reporting agencies. At the time of signing up for this product, I was very careful to make sure I was not going to be billed monthly, I just needed the details from my credit reports at that particular time. I just realized that Experian has been charging me {$24.00} for the past three months, most recently on X/XX/17, X/XX/17 before that, and X/XX/17 before that. I called Experian and they told me that I signed up for a monthly service, and I told them that I did not, and had read very carefully what I wassigning up for. They would not refund me for the past two months of fees, even though i was willing to  pay the original {$4.00} fee as well as the {$24.00} fee. In fact, Experian hung up the phone on me after speaking with a representative for 20-30 minutes, and waiting on hold for 10-15 minutes. They  can clearly see that I did n't even sign into my account and they know that they are scamming customers. I work for XXXX XXXX and I am accustomed to reading the fine print. The way Experian baits-and-switches their customers is fraudulent. I read everything online before purchasing the three credit reports and they were clearly hiding the fact that they were going to charge me monthly. I can not believe these credit reporting agencies get away with this scam. This happened to me once before over 5 years ago with XXXX, and I have been very cautious to never let this happen again. I was aware of the risk and was specifically looking for this when signing up for my credit reports, but Experian hid this very well and did not want to make it abundantly clear that they would be charging my card every month. My " Membership ID '' with Experian is apparently XXXX. Thank you for your help, XXXX.
Product: Debt collection

someone is using my ssn to apply for accounts in my name and my email i have been in multiple data breaches please help im trying to clean up my equifax profile from inquires that are not mine. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a federally protected consumer and I am concerned that Columbia Debt Recovery LLC dba Genesis may be violating my federally protected rights by using profane language and coercing I, by saying if I do not pay I will receive negative credit reporting. This is my official notice of dispute. I do not owe this alleged debt. Pursuant to 15 USC 1692g I demand that Genesis provide me with documentary evidence that shows I owe this alleged debt, as well as verifiable proof. I do not consent to any credit reporting on behalf. I do not agree to Contract with Genesis or its affiliates.
Product: Money transfer, virtual currency, or money service

I paid for a hair appointment with a hairdresser. After sending my full payment I was blocked & my money was stolen with no service. After disputing with me bank CHIME, I was denied with clear proof of FRUAD. I want my money & I clearly showed proof that it was stolen from me.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX Credit Bureaus continue to send me the same responses, " We have already investigated your claim, please allow us 30 days to complete our investigation. '' These Credit Bureaus are at fault, they have not provided anything to me but COMPUTER-GENERATED LETTERS in the last 75 days! They have not provided any original documents that I have signed from the Creditors listed on my credit reports. Furthermore, the Creditors, nor their Collection Agencies, have provided specific documents that I have signed! I am extremely frustrated that no action under the FCRA has been taken against these companies for their negligence. It would be for civil liability, and willful no-compliance. My letters have been sent over and over again, now for a period of more than 90 days! These Creditors, and Collection Agencies keep selling my information to each other, then reporting to Experian. XXXX, and XXXX Credit Bureaus. These actions on the part of all these agencies are major violations of consumer privacy laws, and a host of other FCRA and FDCPA laws they have violated.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

ATM dispute that happened XXXX XXXX casino XXXX last XXXX XXXX, XXXX for the amount of {$700.00}. I did multiple cash ATM withdrawal of {$200.00}, {$200.00} and {$500.00}. Hence my cash withdrawal limit for a day is {$1000.00}, I want to obtain more cash as cash advance from my credit card to cash advance machine requesting amount of {$500.00} but it was declined. Then I tried to lower it for {$200.00} and continuously declined. I received no cash. The following day I checked my online banking and it showed on my checking account of {$700.00} as ATM withdrawal. I then contacted Citi bank customer service and the representative told me that if I did not receive that amount then my account reflect this right away. In short there were 3 dispute transactions of {$700.00} the bank temporarily credited to me while the claim was in process and all of these Citi bank send me letters that transaction was legitimate and they pulled the amount back out of my account that they reimbursed. I feel pretty alone in my fight. If I did receive this amount, I would have just move on However, I certainly did not. Which is why I have invested so much time and been so persistent. You are somewhat of a last resort and I would greatly appreciate any help I could get.
Product: Mortgage

I was compelled to file another XXXX XXXX, again further damaging my credit history on this same matter of requesting a loan modification, this time ( the servicer ) requested more information on XX/XX/2022, and that information was submitted ( see attachments ) on the same day. Days prior, the Maryland Homeowner Assistance Fund ( HAF ), requested modification records to be forwarded to : XXXX, XXXX XXXX, XXXX, Case ID # XXXX, on XX/XX/2022, again no response. Its obvious this non-responsiveness is a conspiracy to not process a loan modification and my XXXX XXXX XXXX assistance. I wish that you investigate this matter, if necessary, I will escalate these matters to : XXXX. XXXX XXXX XXXX XXXX ( submit ) Privacy Act Form XXXX. Office of the Comptroller of the Currency XXXXXXXX XXXX XXXX XXXX XXXX. Office of the XXXX of XXXX XXXX ( XXXX XXXX XXXX ) XXXX. Federal Trade Commission XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my credit report I noticed unauthorized accounts : ( XXXX ) DPT EDXXXX XXXX opened XX/XX/XXXX, ( XXXX ) DPT ED XXXX opened XX/XX/XXXX ( XXXX ) DPT ED XXXX opened XX/XX/XXXX ( XXXX ) XXXX opened XX/XX/XXXX ( XXXX ) XXXX  opened XX/XX/XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX