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

To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
-- XXXXXXXX XXXX XXXX, Date fraud began : XX/XX/XXXX Total fraudulent amount : {$4800.00} and Also disputed XXXX XXXX XXXX Date fraud began XX/XX/XXXX Total fraudulent amount : {$980.00}, the other bureaus have removed it and yet you guys claim it's Verified. 
Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting or other personal consumer reports

I checked my credit report and couldnt believe my eyes when I saw several inquiries from your company that I didnt approve. These are dragging down my credit score and affecting every aspect of my financial life, from loan approvals to interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX Balance : {$4000.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to dispute the XXXX  record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX. 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
Product: Debt collection

AMSHER COLLECTION SERVICES ARE IN VIOLATION OF THE FDCPA RULES AND REGULATIONS BECAUSE THEY CONTINUE TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT I HAVE KNOW KNOWLEDGE OF, AND ALSO I HAVE NO TYPE OF AGREEMENT WITH THEM WHATSOEVER. THEY ALSO ARE CALLING AND HARASSING ME EVERYDAY ON A FRADULENT ACCOUNT THAT RESULTED FROM IDENTITY THEFT IN THE PAST.
Product: Debt collection

I recently was given a kohls charge card and did a little shopping. I went to pay my monthly bill on the app but there was only a way to with checking acct. I then called their customer service to pay with my debit card as that is the only way I can pay. It says online and on the kohls site they accept payment by debit. But when I called they said they only accept payment with checking. Account numbers. I explained I had no other way and also took screen shots proving it shows they say they accept debit cards. They said its old print and they cant and wont accept it so now my credit is going to tank they wont work with me. Had I known this I would never have applied for this card. Im trying to build my credit not ruin it. What am I supposed to do can you help me this should not fall back against me and my credit Thank you XXXX XXXX
Product: Mortgage

I received my XXXX 2016 statement from Seterus showing A total amount due of {$3300.00}, showing a past due amount of {$1600.00}. I immediately called Seterus on XXXX/XXXX/16 and talked with XXXX XXXX. She told me everything was OK. I asked why was it showing I owed for last month when the check was received by them and paid to Seterus on XXXX/XXXX/16. She stated that the payment is due on the XXXX of each month. However, it will not be reported to the Credit Bureau unless after the XXXX of the month. I indicated to her that this does not made any good sense and asked her if this is going to happen every month showing no payment received and why were their system changing to show no payment had been made. I noted that nothing had been applied to the Principal, Interest nor Escrow and the Outstanding Principal Balance remained the same as the XX/XX/XXXX statement of {$180000.00}. I assumed it would be corrected on the XX/XX/XXXX Statement. However, when I received my XX/XX/XXXX Statement, it showed, again, that I was past due for the previous month. The Principal, Interest and Escrow is incorrect because nothing was credited for XX/XX/XXXX as well as the outstanding Principal Balance. There are serious errors with these statements and I want the proper credit for the month of XX/XX/XXXX because nothing was credited as well as stop showing that I am a month behind on every statement because this is inaccurate.
Product: Checking or savings account

I went to XXXX XXXX XXXX XXXX XXXX XXXX to open an account and was denied because the bank representative stated I had a charge off checking account in the amount of {$9600.00} with Citi bank from XXXX to XXXX. I am a victim of identity theft. I never open a bank account with Citi bank in XXXX to XXXX. I do not have Citi branch in my city of Philadelphia. I contacted their customer service department over 15 times and I have not received any help or nor have my problem been resolved. I dont understand why would they let someone open an account in my name. I never received any information from citi bank stating they had an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!
Product: Credit reporting or other personal consumer reports

I was not around at the times these accounts were open under my name. Im assuming my information was exposed in the data breach..
Product: Credit reporting or other personal consumer reports

All I know it appeared on my credit report as a collection. I was breached in Louisiana. The XXXX was Equifax, XXXX and Louisiana XXXX. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to TeleCheck for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. XXXX companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.
Product: Checking or savings account

Robinhood financial LLC. 
Account no. : XXXX Username : XXXX  XXXX Total Amount in account : {$6900.00} I opened a robinhood account solely for the purpose of investing and hoping to find some luck in the stock market sometime back in XX/XX/year>. I had several stocks ( XXXX, XXXX, etc. ) and crypto ( bitcoin and ethereum ) in my account and linked my regular XXXX XXXX checking bank account ( XXXX XXXX XXXX XXXX ) as the means of funding this account. I watched my account grow and suffered losses as usual, just like every investment account. I held onto my stocks and kept funding my account whenever I could just to keep it growing. 
Out of now where, around late XXXX, my account was restricted by robinhood where they claimed I had to prove the source of my funding and verify my identity. I didn't hesitate, and I provided them with bank statements and cooperated with them with whatever they asked for. I sent my IDs and bank statements several times to different agents whenever I contacted their help and support team. 
My account was eventually closed and all my stocks and crypto were sold without my consent. These stocks, as at the time sold, would be worth more than they are currently. I sent several emails and messages and tried calling customer support several times, but it was to no avail. I am at a point where I can't even reach them anymore, as they won't let me send messages or emails on their application. I constantly receive financial statements every month about my closed account with my current balance of {$6900.00}. Constant efforts to get my money back from my closed account on robinhood have been futile. Kindly assist me in whichever way possible to get my funds back. It's been long overdue, and I could use this money to do a lot for myself and my family. Thank you.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records LISTED BELOW. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Midland Funding filed a lawsuit against me for an alleged debt of XXXX for an original creditor of XXXX. They have yet to validate the debt to me. In response to my original request for validation of debt sent XXXX XXXX, 2016 certified mail, a company by name of XXXX has responded to me and state that they represent Midland Funding in the suit. I never authorized Midland Funding to share any correspondence that I sent to them with any other company. They also have shared my personal identifiers such as social security number as it was listed in the request for validation letter that I sent them. The company XXXX has stated that they " verify '' that the said collection debt is mine because they received a default judgement on the suit -- all which I am currently fighting through a motion to vacate due to their error in not properly notifying me with a summons and complaint copy of the civil suit. I have sent a follow up letter that demands that Midland Funding verify debt with a signed contract, payment history, billing summaries, and legal acquirement of debt from the original creditor, XXXX. This follow up letter was sent on XXXX XXXX, 2016 and they had until the allowed 30 days per FDCPA from the original request for validation which would have been XXXX XXXX, 2016, but I have yet to receive any debt validation. I am requesting that Midland Funding either agree with my motion to vacate the default judgement or file their own motion to vacate based on all the above described. Additionally all three of the credit agencies, XXXX have found the Midland Funding un-verfiable and have in turn deleted the inaccurate reports that Midland Funding had placed on all three files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information reported by XXXX on my Equifax credit report ; 1. The Condition of the account is Open, not Derogatory. 
2. The Status of the account is OK, not on a Payment Plan. 
3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016. 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( Department of Treasury ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I bought {$50.00} in XXXX on cashapp somehow this flagged my account and I was suspended asking me to verify My identity which I did it has not been 8 days and they still have my money I keep being told My complaint has been closed. This started around XX/XX/XXXX and I've been corresponding daily with cashapp support but no resolution has been found.
Product: Debt collection

The defendant, XXXX XXXX XXXX ( XXXX ), is attempting to collect an alleged debt from me related to its purchase of a Synchrony Bank/Amazon account and sued the Plaintiff in state court for {$2500.00}. 
In XX/XX/XXXX, XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX ( case # XXXX ) for an alleged debt of {$2500.00} that XXXX claims it was assigned to them from Synchrony Bank/Amazon ( account # XXX ... XXXX ). 
However, XXXX 's lawsuit was filed after the XXXX statute of limitations had expired under GA XXXX XXXX, as XXXX had purchased the Synchrony account in XX/XX/XXXX. This means XXXX 's lawsuit in XX/XX/XXXX was filed on a time-barred debt. 
XXXX improperly served the summons to an incorrect address which is why I did not answer the summons. XXXX then obtained a default judgment against me on XX/XX/XXXX for {$2500.00} plus {$110.00} in court costs and a writ of fieri facias to record the judgment. 
By filing suit on a time-barred debt, Portfolio falsely represented the legal status and deceptively attempted to collect the debt. This made my private financial matters public record without merit. XXXX 's actions have caused me substantial emotional distress, mental anguish, anxiety, and invasion of privacy that a reasonable person would find offensive. 
In summary, XXXX improperly sued and obtained a default judgment against me on a time-barred debt in violation Georgia state laws pertaining to the statute of limitations and the Fair Debt Collection Practices Act causing me significant harm.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Santander Consumer USA XXXX Auto loan - My payments is due monthly on the XXXX of the month with my first month being due on XX/XX/XXXX which I paid on XX/XX/XXXX and was allocated at principal of {$640.00} and interest of {$150.00} at a total of {$800.00}. My 2nd payment due on XX/XX/XXXX was paid on XX/XX/XXXX for {$700.00} was allocated at principal of {$510.00} and interest of {$180.00}. I asked them why was I paying more towards the interest than my principal just because I paid my bill early and was told that my interest will start from the date that I pay until the next day that I pay. So if I do not pay my bill until XX/XX/XXXX, which the system is showing as my due date, they told me that I will be paying $ XXXX towards the interest for that month, almost double. I do not think that it is appropriate to take that much of my payment to go towards their interest instead of my principal. I would understand a max of 30 days of interest for a month but to charge me a month and a half towards interest payment just because I paid my bill early, that is just outrageous and completely unfair. Their website shows how their interest works, and how they are telling me that it works is completely different and an outright scam. I want to notify anyone and everyone that can do something about this unjust practice. I have saved screenshots that I can email to show how my payments have been applied and when my due dates are.
Product: Student loan

Hello Sir, Madam How are you doing? My name is XXXX XXXX, I've had Federal student loan around XXXX dollars for my XXXX years college and while I served in XXXX XXXX XXXX XXXX  I was informed my XXXX XXXX XXXXXXXX put me in collection ( I have a lot of stresses ) and deferred my student loan with interests and XXXX destroyed my XXXX XXXX while I was in XXXXXXXX XXXX. When I was serving in XXXX Military Where I earned salary and Made Student loan Payments. When I was injured in the XXXX XXXX  and forced me to be XXXX XXXX then I informed XXXX to exempt me from paying student loan after 10 years payments. After I informed XXXX about my situation as a XXXX XXXX  and asked to exempt as public employee and XXXX XXXX in XXXX XXXX. They ( XXXX ) told me no such case for XXXX XXXX or Government or XXXX XXXX  to exempt from making student loan payment. XXXX sold my loan to different services like XXXX XXXX XXXX and else. Everytime my student loan transferred to different services then I asked them ( AES and else ) to seek for waiver or wipe out my student loan then XXXX XXXX said I have made payments less than 10 years then XXXX  sold my loan to different services. Because XXXX XXXX like XXXX, XXXX and else destroyed my XXXX XXXX, I could not buy transportation or car and buy house to live in for 10 years. 

Now, I wish to seek for full reimbursement of my student loan payments since I borrowed my sisters moneys to assist me while I was serving in XXXX XXXX ( extremely low income and a XXXX XXXX  " Low income '' ). Please help me to get my student loan payment back, so I can repay my sisters moneys that I borrowed from them. 
If you have any questions, please feel free to reach out to me via Email XXXX or XXXX Thank you very much Very Respectfully, XXXX XXXX