23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to dispute this with XXXX, XXXX, and XXXX, but all three rejected the dispute. Since we are currently in litigation with this company, this should never have been added to my credit report. Their actions are not only unethical but also illegal, and its having a significant negative impact on me. This needs to be removed immediately.
Product: Student loan

I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2013, and finished paying them off at the end of last year. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
Product: Credit reporting or other personal consumer reports

I am raising this complaint against TransUnion, XXXX, and XXXX for their ongoing failure to address inaccuracies on my credit report, even after multiple dispute attempts. These inaccuracies continue to harm my credit, and no adequate corrective action has been taken.

This involves the following violations : FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, which is required under the law.

FCRA 605 ( c ) : The date of last activity is inaccurately reported and should reflect the last payment date, not the current reporting.

FDCPA 809 ( b ) : The company has failed to validate the collection account despite my formal requests, violating their obligations under the FDCPA.

I am requesting that the CFPB investigate these violations and ensure that the credit bureaus take the necessary steps to correct the errors, properly mark the account as disputed, and validate the debt in compliance with federal laws.
Product: Vehicle loan or lease

how is it possible that a person can be put in collection by two different companies for the same amount of money
Product: Credit card or prepaid card

Citibank has consistently Either lowered our current city bank card and is now refusing to grant us a citi XXXX card even though my credit score is at 7:20 and higher. 

My wife and I got caught up in the current mortgage problems going on with XXXX XXXX. XXXX forest our home into foreclosure because we forgot to sign a single document even though our mortgage was being paid on time For five years We had to fight to prove this finally we got a lawyer and at that point XXXX finally conceded refinanced our mortgage and ended the foreclosure. 

Every other credit card service including XXXX XXXX and XXXX XXXX have granted as a reasonable credit limit and eased it, Citibank would lower our credit limit each time we paid the car down Citibank would lower our credit limit each time we paid the card down We currently have paid off all of the debt and are using a city simplicity card for purchases for my job and we are paying that bill almost completely each month Our mortgage is current and we have been paying extra down on it for more than two years We have a combined household income of over {$250000.00} In addition we have between our accounts and upwards of {$100000.00} in savings I actually have a friend who works for XXXX in XXXX XXXX XXXX who explained to me that citi flags the accounts of minorities went into financial difficulty and it is almost impossible once they do to get them to extend credit, even if the mistake or problem that created the financial hardship is not yours and even if you fix the problem and come out from under the financial hardship Since we are financially solvent and everyone from XXXX has extended us credit with reasonable and low interest rates m, I can only assume the information Ive been given about Citibank is correct If there is a more reasonable explanation I would like Citibank to produce it and show it to us If not I requested that Citibank remove the negative connotation for my account in award us and citi XXXX card If the information is correct I am asking that you sanction and fine Citibank for this deplorable practice
Product: Credit reporting or other personal consumer reports

I have tried to access my reports its telling me im XXXX I dont know XXXX  or most of inquiries on my credit report experian is treating me as if im committing fraud please let experian know im XXXX XXXX and give me access to my reports
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 antedates the report by more than seven years.

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was recently sold to Nationstar ( from XXXX ). I made my last ACH payment of {$1200.00} to XXXX on XX/XX/XXXX but that payment was never credited to Nationstar. After countless calls, including with a supervisor, this is still not resolved and my credit score may have been already hurt. Nationstar said they are " investigating '' this but they re not doing anything, t 's been 2 months now every time I call I have to start from the beginning, as if its the first time I call. On top of that, I get automated calls every morning from their computer TRYING TO COLLECT MONEY THEY MISPLACED, ITS INFURIATING!
Product: Money transfer, virtual currency, or money service

On XX/XX/ I cashed out two amounts from cashapp. Neither amount went to my bank account as they have always been credited right away. One amount XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my TransUnion credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXX XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Automotive XXXX. XXXX XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : Finance XXXX. XXXX XXXX Category : XXXX XXXX. XXXXXXXX XXXX  XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX Category : Automotive XXXX. XXXX XXXX Category : Banking XXXX. XXXX XXXX XXXX  XXXX Category : Finance XXXX. XXXX XXXX XXXX Category : Finance Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations XXXX. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose. 
XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Credit reporting, credit repair services, 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. 

FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.
Product: Debt collection

I received a notice to pay an alleged debt by XX/XX/2022 from RMS , IncXXXX on XX/XX/2022 I sent a certified letter ( XXXX XXXX ) asking RMS, Inc. to validate alleged debt made pursuant to 15 USC 1692g sec. 809 ( b ). I asked the alleged creditor 1. Have they sold this alleged debt? 
2. to whom is this debt sold to and for how much was this debt sold?

3. Are the alleged creditors still in the process of collecting this debt? 

On XX/XX/2022 Recovery Management services , Inc. ( RMS ) sent me a pile of statements from an alleged creditor or whomever in which RMS is being deceptive and creating a false belief in me as an consumer that the alleged " creditor '' was attempting to collect, which is not true. 

Pursuant to 15 USC 1692j ( b ), any person who violates this section shall be liable to the extent under 15 USC XXXX {$1000.00} ( XXXX XXXX USD )
Product: Debt collection

Restricted number has called a few times in the last 3 mos. leaving a message referencing my previous married name that I haven't held in over 10 years. The recording does state that a claim has been opened in my name and to call with no reference to who opened the claim and what type of claim. 

Finally answered a call and she stated I owed Best Buy over XXXX dollars from XXXX. I did a large purchase in XXXX and it was paid in full. The caller hung up on me after challenging her. 

I have no overdue credit cards on my credit report. She stated it could take this amount of time to report and the requestor just wanted an answer if I was going to pay or not. I said no because I don't owe anything.
Product: Debt collection

I am the victim of identity theft pertaining to a XXXX account which was opened in my name and using my Social Security Number. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The account number has a total balance of {$320.00}. The services provided for this account were rendered at XXXX XXXX in XXXX, Michigan, XXXX. 

Sometime in XX/XX/XXXX, XXXX contacted me via mail to attempt to collect on the balance of {$320.00}. Upon receipt of this bill, I contacted XXXX to inform them that I had been the victim of identity theft. Under their instruction, I completed and submitted an ID Theft Claim Packet, which I sent to them postdated XX/XX/XXXX. 

In support of this packet I provided : 1 ) a copy of my government issued photo ID, issued on XX/XX/XXXX ; 2 ) a copy of a signed lease agreement for my residency ; 3 ) a signed, notarized affidavit by my landlord, attesting to my uninterrupted residence. 

However, I received a bill collection invoice from Enhanced Recovery Company , LLC, dated XX/XX/XXXX which seeks recovery of {$320.00}. 

On XX/XX/XXXX, I contacted XXXX 's Fraud Department, an agent of which informed me that due to insufficiency of evidence, my claim had been rejected and my account had been moved into collections. This occurred entirely without my knowledge, and XXXX 's agent summarily informed me that because the account had been moved into collections, they could not reopen the claim for further evaluation. XXXX unilaterally and arbitrarily moved my account into collections despite their stated policy to contact any fraud claimant within two days of receiving their ID Theft Claim Packet ; that is, XXXX did not contact me upon receiving my packet submission. XXXX 's agent freely conceded as much. 

XXXX now has taken the position that I need to submit an additional ID Theft Claim Packet due to insufficiency of evidence. I oppose this requirement because it imposes an additional burden on me of needless document production and postage, an unfair waste of my time and resources, and I further protest XXXX 's behavior as abusive because they moved my account into collections without providing me any opportunity to provide supplemental or clarifying evidence, which damages my credit report notwithstanding my blameless conduct in fact.
Product: Credit reporting, credit repair services, 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. 

Account name : Bankruptcy XXXX XXXXdischarged reference number 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 aiso 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 antedates the report by more than seven years.

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

I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of inaccurate information on my consumer credit report by the XXXX XXXX XXXXXXXX XXXX It has come to my attention that the account in question is inaccurately reported with different payment statuses across the credit bureaus. TransUnion reports the payment status as " collection/chargeoff, '' while XXXX reports it as " Late 120 days. '' Additionally, XXXX correctly reports no account associated with this information. This discrepancy in reporting is causing substantial damage to my reputation and financial standing. I demand the immediate removal of this inaccurate account from my consumer report. 
The reporting of incorrect information on my consumer credit report by the XXXX  XXXX XXXX is not only misleading but also damaging to my creditworthiness and overall financial well-being. This inaccurate reporting is causing denials on credit applications and tarnishing my reputation. It is imperative that the XXXX XXXX XXXX takes responsibility for the accuracy of its reporting and rectifies this situation promptly by removing the account from my consumer report. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without any delay. 
Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek appropriate remedies. In such a case, I will seek compensation for actual damages caused by the inaccuracies and violations, and I will request the court to award punitive damages to address the harm caused to my financial well-being and reputation.
Product: Debt collection

FIRST CREDIT SERVICES Last reported XX/XX/year> {$1800.00} collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that your Transunion is reporting. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX for {$2000.00} is inaccurate because the debt has been paid in full because my XXXX has been approved for discharge of XXXX  loans. I have tried disputing this matter online with Transunion and each time they have responded with " your account is valid ). I have reached out to XXXX directly and they have also agreed with me in saying the account is {$0.00} and Transunion should close the account. I even tried reaching out to the company XXXX supplying the account as open and the 800 phone is invalid.
Product: Mortgage

I sold a house and mortgage was paid off with Wells Fargo on XX/XX/19. Escrow was to be dispersed on XX/XX/19. It was never received. They tried to ACH to me but sent to someone else and now are refusing to give me my escrow money. There was {$2000.00} in escrow account at closing. They continually lie, won't contact me, send me to different departments but still after 2 1/2 months don't have my escrow money with no sign of receiving in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I was in the process of buying a house through XXXX. CoreLogic is their agencies used to pull credit. There was suppose to be a " SOFT PULL '' of my credit report XXXX XXXX as they had already pull my full report on XXXX XXXX. Unfortunately, they generated another " Hard Pull '', which created another HARD INQUIRY on my credit report. Hard inquiries started popping up on my credit report on XX/XX/XXXX, and XXXX. I have attached the pics as well. 

I have reached out to both companies to request the Hard Inquiry be removed from my credit report. I did not " authorize '' anyone to perform Hard Pull of my credit on XXXX XXXX and would like this removed ASAP as it effects my credit score which having so many inquires within a short amount of time.