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

On XX/XX/2020, there was a hard inquiry that hit my report from The Home Depot/Citi Card. I have called Home Depot and on the first call they were able to locate the application and flag it by pulling up my social security number. I then tried to dispute it with XXXX  and it came back that the findings were factual and that if it was incorrect I needed to contact The Home Depot and Citi Bank. When I called back Home Depot they were unable to find anything with my social security number so they told me to call Citibank. I called and they were unable to find anything with my social as well. I was sent going in circles trying to call Home Depot, Citibank, and XXXX, all unable to help me get this hard inquiry off of my account that absolutely doesn't belong to me. I never applied for anything with Home Depot or Citibank. It seems that the inquiry is pretty much stuck in limbo, since there was never an account opened. Nobody has been able to help me and I don't know what else to do to get this hard inquiry removed. I also sent letters to the credit bureaus requesting that this dispute be removed. Please help me!
Product: Bank account or service

We are attempting to purchase a XXXX property held by Chase. We made the offer for a property in pretty bad shape. In the meantime while waiting for them to sign the contract, A tree had fallen onto the property. We purchased the property as is which did not include the tree. Now Chase is telling us if we want the property we need to pay for the tree removal. This company has done everything possible to torpedo the sale because they have another higher priced offer available. They have been impossible to work with and using their size to bully us into an agreement that we do not want nor can afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, on Trans Union and I noticed that these unauthorized inquires had been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX I requested Trans Union to remove these fraud inquiries immediately, when I called because I believe I am a victim of ID theft & they still haven't removed them, when I followed the directions they gave me & already sent a FTC report & a copy of ID A social security #, along with a letter to Trans Union 's address. 

These fraud inquires look bad on my report & I'm soon planning on buying a home. 
I appreciate Trans Union following the laws & remove the fraud inquiries ASAP. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with Total card inc The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX
Product: Mortgage

I have 2 loans with Selene thy modified one loan and continue to tell me that I never submitted documentation to do a modification. I submitted all documents at the same time to the same company. Why are they refusing to modify loan XXXX when they recently modified loan XXXX. Covid caused my income to decline and I am attempting to get my loan modified due to Covid.
Product: Student loan

Please refer to complaint ID XXXX. This was in regards to MOHELA changing my loan terms earlier this year, extending it by 12 years ( XXXX ) despite signing a contract in XXXX  for repayment to be completed in XXXX. 

I waited the 60 days for communication from MOHELA regarding the above complaint as suggested by CFPB. I have not received any information nor rectification of the problem. 

At this point, the repayment breakdown is no longer available on the website/my account for me to reference.
Product: Student loan

I was contacted by a company, Navient that indicated i had a loan from XX/XX/XXXX that was not paid. Since it was 8 years old and I had never heard about this before I asked for proof. This was in XX/XX/XXXX. After a dozen phone calls and letters to Navient I finally contacted the XXXX to help me obtain the proof of this loan, I received proof on XX/XX/XXXX with a note that said I was now past due. I do not think this is fair, It took them six months to get me proof that I owed the money and they want to tell me i am past due and report to the credit agencies and charge me interest on the time it took for them to provide the proof of the loan, which is still in question. I had filed bankruptcy in XX/XX/XXXX, and i was a victim of identity theft, so I have to be careful and I need proof of a loan that shows up after 8 years from nowhere. 
I really think that the company should let me verify the loan, and forgive the interest accrued while I was waiting for them to provide the documents. 

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

XXXX, Equifax and XXXX are all guilty of the infractions below. 

- Account information incorrect - Account status incorrect - Personal information incorrect - Public record information inaccurate - Old information reappears or never goes away Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX, Equifax and XXXX are guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXX, Equifax and XXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report.
Product: Student loan

I had submitted my request to renew my XXXX plan back in XXXX ( XXXX XXXX ish ) of this year. I had figured that my XXXX would be re-certified and everything would be okay. I received a phone call on XXXX XXXX when my payment is due on XXXX XXXX to alert me that now I owe {$1500.00} for XXXX and XXXX upcoming payment. My XXXX had been denied and they apparently sent me an email notification on XXXX XXXX. I checked my online account with them after the phone call and did see the message but no reason stating why it was denied just that " my '' request to deny the lower payments had been processed. Lol give me a break ... 

I had submitted my proof of income with my renewal ( a pay stub with frequency listed on it ) but apparently because I checked, No My Income Did Not Change they absolutely ABSOLUTELY needed a tax return from XXXX ... seriously? It 's almost XXXX Tax Season my Paystub is n't enough for you to use in the calculation? So it was denied because I sent in a Pay Stub instead of a Tax Return and they are just now calling on XXXX XXXX to tell my I am past due and in the hole of {$1500.00}. 

The absolute worst part of the call .... Having to agree to an Administrative Forbearance, have my interest capitalized and be penalized after literally 3+ years of following procedures and not having any issues. They could 've even offer me some type of hold for me to get the paper work in that did n't capitalize interest. So ... now I am RE Submitting my renewal with the XXXX XXXX tax return from XXXX. 

Student Loans are literally a death trap for recent graduates. Who can afford {$730.00} a month and still live comfortably? Seriously ... this whole thing sucks. I am about ready to stop paying all together and just let them go into default, drag out my forbearance time and then use up my deferment time. That way when I finally run out of holds I 'll be in my XXXX and wo n't give a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies are bias and are refusing to delete the identified transactions from my consumer report, violating my right of privacy.
Product: Debt collection

Hello There, First of all I would like to say Thank you for your assistance! 
The Debt they asking me to pay is a business loan from XXXX, the company is forfeited since XXXX, the amount was {$5000.00}, now they're asking me to pay $ XXXX. I was trying to negotiate and pay some amount because of their intimidation and they even blocked my XXXX XXXX XXXX son account, this is unheard of in America and how they're XXXX. 
Since XXXX XX/XX/XXXX I am on therapy after having a XXXX XXXX and colleting Disablity benefit, they are collecting almost half of my payments by letting me sign wrong agreement, I have all the correspondences since then, After My XXXX XXXX I have XXXX XXXX and XXXX ' that's why i am still following therapy, while i am going through all this hard ship I was XXXX XXXX and repeatedly intimidated by one of the paralegal from this firm her name is XXXX XXXX, I can provide you all my medical history if needed. 
They are using the law firm called ZACHTER PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TEL, XXXX XXXX XXXX XXXX XXXX XXXX FAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX OFFICE FAX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have written this letter to dispute claims that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amounts : {$2500.00} and {$1700.00} I am disputing this claim due to : incorrectly reporting derogatory info hurting my credit while unlawfully attempting to collect a debt not owed. If it is not removed immediately I will sue you for FDCPA and FCRA. Thats fair debt collection practices act and fair debt collections act. If both collections accounts are not removed I will sue you for damages in a court of law.
Product: Credit reporting or other personal consumer reports

The bankruptcy information appearing on my report is incorrect, as I have never filed for bankruptcy. kindly request that you investigate this matter as required under the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of this record with the source and provide the results of your investigation. If you find the information to be inaccurate or unverifiable, I request that you promptly remove this bankruptcy from my credit report and send me an updated copy of the report for my records.
Product: Consumer Loan

Item is still reporting on my credit report although my ex wife took responsibility for this debt and needs to be held responsible for it. This debt is no longer mine according my divorce, which is Missouri Case Number XXXX.
Product: Debt collection

" USC 1692 '' refers to Section 1692 of Title 15 of the United States Code, which outlines the " Fair Debt Collection Practices Act '' ( FDCPA ), essentially dictating that all communication related to debt collection must adhere to specific rules, prohibiting debt collectors from using abusive or harassing tactics when contacting consumers about their debts ; this includes restrictions on who they can contact, when they can contact them, and what information they can disclos
Product: Debt collection

i wrote ACCELERATED FINANCIAL SO on XX/XX/2019 about this item they say i owe and i never heard from them since.asking them to verify or remove the negative item from my credit report.never gotten the item validated and it clearly has been past the 30 days required by law for them to answer back. certified letter is XXXX .this is damaging my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a response from Experian stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( See Attached ) USBK Court - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Credit reporting or other personal consumer reports

Re : Account # XXXXXXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I disputed the credit report and got the report back with no data verifying the debt.
Product: Debt collection

XX/XX/2019, AIH Receivables, XXXX, they contacted my employer without permission. I asked them not to contact employer, as they do not have permission. They have continued to contact my employer and harass not just me but my co-workers and ultimately my boss. I have been told that this matter needs to not come to my office or they will have to let me go. So not only are they harassing me at work but they are jeopardizing my job.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

on XXXX XXXX, 2016 I opened up and account online with Chase. After I submitted my online application I received an email telling me that I was approved and I have to verify XXXX small deposits that they made into my current bank. Two days later, I verified the trial deposits. At that time, I was giving a checking account number and a savings account number and also received a visa check card in the mail. A few days later, I go online to logon to see if the transfer from my current bank of {$50.00} had been posted to my Chase account, since it cleared my current bank and Chase required a minimum of {$25.00} each to fund the account. When I tried to logon, I was given a message to call an XXXX number because I have been denied access. At that time, I was told my accounts were shut down and I would not give me any more information. I call Chase and ask them about my refund and they informed me that it would be deposited back into my account. On XXXX XXXX, and after not receiving my {$50.00} into my account, I called them and was told they were not allowed to give me any information and I will be getting him a check in the mail but that 's up to the discretion of Chase on how I will get refunded. This is completely unacceptable how they pick and choose what customers they want to. If they did not want me in the first place, they should not have taken my {$50.00} and sent me a check card or given me too account numbers and a direct deposit form to give to my employer for payroll. These improper business part says by Chase is discriminatory. Their customer service agents wanted me off the phone as fast as possible and refused to answer any questions.
Product: Credit reporting or other personal consumer reports

The following explains why this account should not be on ANY of my CREDIT FILES. As SURETY, I am now giving actual Notice of Equitable Subrogation to XXXX. I am now invoking my XXXX given rights of equitable subrogation and require XXXX  XXXX to compensate the Principal by returning all the Federal Reserve Notes ( FRN 's ) given as payment for a debt that was paid by the surety by way of Special Deposit XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Per UCC 3-603 Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( XXXX ) that the person seeking its benefit must have paid a debt due to a third party before he can be substituted to that party 's rights ; and, ( XXXX ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a superior lien or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to XXXX who is a mere volunteer in paying a debt of XXXX person to another. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 124 U.S. 534 ( 1888 ) ; furthermore a servicer/debt collector who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to XXXX who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is XXXX who thrusts himself into a situation on his own initiative, and not XXXX who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : XXXX v. United States XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. App. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX, v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ).
Product: Credit reporting

I have previously disputed this credit card account from XXXX with both Transunion and XXXX. I have disputed the account several times and each time receive a different response from Transunion. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off in XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Transunion credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. 
Please delete the XXXX credit card account from my Transunion report.
Product: Credit card

At a high level, I experienced a series of fraudulent charges on my Bank of America credit card following a legitimate XXXX purchase for ~ {$82.00}. I never received the item and discovered that the merchant had been charging me every day for {$380.00} without my knowledge or approval. Despite multiple attempts to dispute the charges and resolve the issue, Bank of America completely mishandled the situation, resulting in additional charges from the " merchant, '' late fees, and ultimately, the closure of the my credit card account due to not paying the last remaining fraudulent charge while it was under review with the fraud team. This has severely damaged my credit score and is hurting my ability to conduct new financial transactions including refinancing and obtaining an XXXX loan for a new business. I am seeking restitution for the fraudulent charges, late fees, and credit report damage, as well as the reopening of my credit card account. 

Please see attached for the full incident description.