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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : Lumen My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX Enc. PassPort, SSN Card, and Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORDSTM/TD XXXX OPENED : XX/XX/16 BALANCE : {$0.00} I am concerned with the validity and reliability within your current evaluation and the late payments needed for this account and exactly how it is reporting on my credit report. About 45 days ago I applied for an inspection considering the fact that I noticed the item seriously isn't being noted lately. To my big surprise, I have gotten a mail revealing that your assessment was completed and that the item had been " confirmed as exact. By Section 1681 ( g ) please be sure to provide me personally along with a summary of the approach accustomed to authenticate the account is " accurate '' and post me the name and addresses of persons emailed in every policy found in the FCRA.
Product: Vehicle loan or lease

I purchased a new truck, a XXXX  XXXX XXXX. The vehicle is finance through BBVA. The first payment was made by check in XX/XX/2020. I then set it up to pay through my bank. Unfortunately, I entered the wrong account number ( XXXX ) when I set up the payment thru the bank. The bank ( XXXX XXXX XXXX XXXX XXXX ) sent the payment for XX/XX/2020 to the wrong account number. The correct account number is XXXX. I was notified by BBVA that my account was past due and that is when I discovered the wrong account number. In a conference call with XXXX and BBVA, it was confirmed that the XXXX payment did go to BBVA and was never returned to XXXX. We have been attempting to get the {$510.00} applied to my account ever since. Numerous times I have been told by BBVA that they will find the payment and apply it to my account. Also, the late fees that have been applied to my account will be taken off. Nothing has been done as of today and my frustration level is high. I don't understand why BBVA can not locate the payment that went to account XXXX. They received it and it has to be on their files somewhere. Can you please help me with this ongoing nightmare??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  debt collectors Midland Funding LLC sued Me,  XXXX   XXXX , on date  XXXX   XXXX , for an account they bought through  XXXX   XXXX   XXXX  Consumer. On that date I,  XXXX   XXXX  plead NOT GUILTY and the case was continued to the date of  XXXX / XXXX / XXXX , at which that Midland Funding LLC could not prove their case so they dismissed non- suit. In the state of Virginia you have 6 months to re-try the case. Midland Funding LLC has not retried the case as of this date of  XXXX   XXXX ,  XXXX . I ask this be removed off of my account as derogatory, collections and anywhere else it appears. Thank you
Product: Payday loan, title loan, or personal loan

I recently applied for employment XXXX-XXXX-17 and was denied due to a loan from XXXX XXXX XXXX in which I never applied for. The amount of said loan pay off is {$1300.00}. I have submitted a dispute through a credit reporting agency and have had no luck getting this issue resolved.
Product: Debt collection

A gentleman by the name of XXXX XXXX called said he was with accounts receivable technology. He was calling with reference to a leased vehicle that I turned in over four years ago. He said I owed {$1700.00} and he would take a settlement for {$1200.00}. Proceeded to ask me if I had the money and if I could put it on a credit card. He talked very fast and he wouldnt let me get a word in edgewise and he was condescending and talking down to me as if I dont understand Finance and Leasing vehicles. The phone number XXXX. Ive never received any correspondence from him, he had my address, he had cell phone, and I asked him what was this reference to and he said it was with reference to a car I turned in that was damaged. I have never received any correspondence or information with reference to a car that I have turned in that was damaged over all of the decades of leasing cars. And thats when he proceeded to give me a lecture about leasing cars. Ive never received a damage report, never received photos of the damaged car, I have never damaged a car for that matter. I turned in the XXXX vehicle in XXXX Colorado XX/XX/XXXX, I walked out the same day after I signed a new lease agreement, traded the XXXX in, and I never heard another thing again. Until XX/XX/XXXX when Mr. XXXX called demanding money. I demanded that he send me in writing what he is referencing, I want pictures of a damage vehicle, I want proof that I damage that vehicle because thats not how I turned in the vehicle, it was inspected that day and I wasnt charged for anything. He asked me for my email and I said no you have my mailing address send me what you have in the mail. That was XX/XX/XXXX it is now XX/XX/XXXX and I have not received anything from him. I proceeded to call XXXX XXXX where I made that transaction in XX/XX/XXXX spoke to the finance manager, XXXX XXXX, he proceeded to call Mr. XXXX XXXX, Mr. XXXX XXXX would not talk to him. I still have not heard anything, I do not want this on my credit and I demand in writing with photographs and proof and verification of what this XXXX XXXX XXXX is talking about.
Product: Credit reporting or other personal consumer reports

Equifax ignored my documents and evidence submitted in credit disputes, also they allowed previously deleted inaccuracies to be reinserted into my credit reports, provided confusing and conflicting letters to me about the results of its investigations, and used flawed software code which led to inaccurate credit scores in my credit reports.
Product: Student loan

I initially contacted XXXX when I saw that my account was in Forbearance. I did not request this, but I did complete a borrowers defense application with the Dept of Education. However, on the form I selected that I did NOT want to be placed on forbearance. ( There was a choice. ) XXXX said that they could not successfully remove the forbearance because the department of Education replaces it on my account after they remove it. 
So I contacted the Borrowers Defense phone line and the person told me that they will remove the forbearance. However I still have it on my account. 
The issue here is that I am trying to continue making payments on my PSLF and I can not do this while there is a forbearance. I currently have a {$0.00} due and payments made while in forbearance does not count. I did not request one so I feel it should be removed.
Product: Prepaid card

I attempted to use my Vanilla card at several retail locations and it wouldnt work. I contacted the company XX/XX/XXXX and completed all of the information required by the company for them to correct the issue. Vanilla correctly noted that the balance on the card is {$100.00} and disabled the card that is in my possession. I did not receive a replacement. I contacted Vanilla customer care on XX/XX/XXXX. Was told a new card was mailed on XXXX. I said I didnt think that was correct because I hadnt completed the required information until the following day. Was told to just watch for it in the mail. Still have not received the replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on Transunion is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and Transunion  there is nothing negative in the payment history reporting, in XXXX why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Product: Credit card or prepaid card

I had a credit card with capital one with a limit of XXXX last year in XX/XX/XXXX I made a large payoff of the statement which was XXXX. They processed the payment and I hade 2 reoccurring items on this card 1 being XXXX who placed a hold on my social and the other was XXXX. Well I since I thought I paid the card off I was not getting any of my card statements since I forgot about the 2 reoccurring transactions and I was fine with them since it was n't a large payment each month. 3 weeks ago while checking my credit report I saw that a few of my cards had closed my discover all because of this and the capital one card I am referring to. I spoke with a few people and the first person told me they are unable to do anything and that I responsible for the XXXX charge off. Well they put me collections and tarnished my credit all because I did not receive a statement for XX/XX/XXXX or XX/XX/XXXX and was told they do n't send out correspondence once they get a piece of return mail. so since a statement of mine was returned cause it was delivered to the wrong address the put me collections, messed up my credit that I have worked so hard for with so many disputes of other using my social to destroy my credit. Last night I spoke with XXXX who then told they are unable to do anything since I reoccurring items on my credit card but said they reached out to me though calls and I said yes and every time I would return the call the people on the other end would tell me it all looks fine disregard the calls they seem to be fraudulent, so I did not know that my card and credit were being destroyed by this credit card company. they had no problem taking my XXXX to pay them off, and sending me a collection notice once I found out about this and called but I have yet to see any statements come in the mail and was told they charged me the full interest and fees for the balance of XXXX after it was paid off!
Product: Credit reporting or other personal consumer reports

XXXX has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, XXXX has rejected my documents per an email received a couple of days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letter last XX/XX/XXXX, Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX XXXX Balance : {XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX
Product: Debt collection

Hello I filed a complaint with these same scammers back in XX/XX/2022 and today they are back at it calling my husband and daughter and leaving urgent text messages. The scammers are XXXX XXXX  XXXX XXXX  trying to collect from capital one credit card saying I need to pay a settlement amount before it hits the court in XXXX XXXX ohio.i have nothing of this matter pending anywhere in XXXX XXXX
Product: Bank account or service

Many overdraft charges and insufficient funds when deposits were pending and checks cleared when deposits were made the same day. This has happened to me several times.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

Hi i find fraudulent inquieries in my transunion report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was XXXX years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX XXXX : XX/XX/2019
Product: Money transfer, virtual currency, or money service

Dealing with cash app and them not even having ppl in the office
Product: Student loan

I requested a refund of payments I made to Aidvantage during the COVID-19 student loan payment pause. The total amount is {$4100.00}. I requested this refund in late XXXX of 2023. Aidvantage told me it was approved shortly thereafter and that it may take 14 weeks to receive payment. I have not received anything. However, Aidvantage and dept of education both tacked the {$4100.00} back onto my student loan balance without giving me the refund amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Product: Credit reporting or other personal consumer reports

There are late payments on my report without my consent or knowledge.

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} inquiry XXXX XXXX XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Stall Letters Dear TransUnion, I am writing to formally request that you cease sending me stall letters regarding my credit report. As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a maximum of 30 days to complete their investigations. 

If I receive another stall letter in the mail, I will be forced to take legal action. Please ensure that my requests are handled promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. 

Sincerely
Product: Debt collection

I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org.
This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter.
They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to.
Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with.
TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.