23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX and borrowered {$30000.00}. They now tell me i owe over {$32000.00} and i had a total balance of over {$55000.00}. There is in no way I ever borrowed that much money as my mother paid for my tuition until the last 18 months of my education. There are XXXX notes which I signed for and they do not total $ XXXX. I consolidated my loans and I want answers. You can not talk to anyone here and you can only email. The website shows payments but, does not indicate a running principal balance to review where we are to keep track of where you on in the repayment process. I have been paying each month with no late payments since I graduated for 2 years now and I owe more than I borrowed. Please have them explain. There was an inquiry at the school about the federal student loans when I went there and now I wonder if I should of looked into this sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and Transunion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, were Experian has neither corrected nor removed
Product: Payday loan, title loan, or personal loan

Lending club sold their ( personal ) loan to me at 6 % interest rate, upon collecting my information and all the necessary documents I end up with 13.49 %, {$280.00} monthly installments for 36 months. 

After many unattended complains and service dissatisfaction, I called to terminate my business with them on XX/XX/2018. Lending club rep by the name XXXX from payment solutions department quoted a payoff amount of {$5000.00}, upon explaining my reasons and dissatisfaction with their service he finally agreed on a settlement of {$4800.00} with the following conditions : A certified funds in the settlement amount of {$4800.00} no later than 30 days must be in their office, and upon receipt, the account will be deleted from my credit report with all negative remarks. I demanded a written letter stating the above conditions, which he refused and he vehemently promised that lending club is a reputable company and would not put any thing in writing, rather after payment my report will be updated to reflect his promise to me. 

Unfortunately Lending club took advantage of me upon collecting the agreed payment of {$4800.00} ( cashier 's check ), they went back on their word harassing me every day at working with unending phone calls demanding a balance of {$260.00} contrary to the agreement they reached with me before making the final to close out the account and delete it from my report. 

Their derogatory information has denied me of my right to use my credit to apply for home loan mortgage, and many more setbacks due to their adverse remarks on my credit report. 

Because I was in doubt of XXXX 's promises, then I wrote a letter stating our agreement as the only condition for accepting and negotiating my cashier 's check payment.and make a copy of the letter enclosed with the payment to Lending club, and they cashed the payment and failed to fulfill their conditions.See the attached copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on my credit report.
Product: Debt collection

Repeated harassment and home visits from XXXX XXXX XXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.
Product: Credit card

There are multiple fraudent inquiries that were not approved by me and that are on my credit report.
Product: Credit card or prepaid card

I was wrongly charged by a merchant to my Chase Visa Credit card in the amount of {$5000.00}. When I realized about the issue, I contacted both the merchant ( XXXX XXXX XXXX ) and Chase at the same time. At first, Chase gave me a conditional credit of {$5000.00} while waiting for the merchant to respond. However, since I contacted the merchant at the same time I contacted Chase, the merchant did realize the error and refunded me {$5000.00}. So, between me and the merchant, the problem was resolved as there was no charge to either party. Chase, instead, realized both the conditional credit they gave me and at the same time the merchant did the refund credit on their own, so I had 2 credits at the same time. Chase should have removed their conditional credit upon receipt of the merchant 's refund credit. Instead, Chase removed both credits and told me I still owed the merchant {$5000.00} which is ridiculous and irresponsible. Chase should protect its client and must know its client has never used the card for an amount that is over {$1000.00} in a single purchase. Chase does not want to do its job and to check, verify, monitor, and protect its customer which is a sad thing. Again, its customer is a XXXX XXXX XXXX XXXX veteran. Many thanks.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report listed below. 

Equifax : XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XXXX : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$34000.00} XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXX {$6100.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX , am submitting this complaint by myself and there is no third party involved. 
I, XXXX XXXX , natural person, consumer, alleged obligor, and original creditor of an open-end credit plan extended via my credit card for a consumer credit transaction to XXXX XXXX XXXX on my behalf via a deceptive form that converted my interest a consumer and creditor unlawfully as borrower. I am the card issuer and cardholder for the accounts payable issued via consumer application as valuable accounts receivable. I granted the security interest to as debtor for the consumer credit transaction. XXXX usurped my credit and proceeds via account receivable secured credit application. I was coerced in completing a promissory note in the refusal of my endorsement by closing agent of the promissory note compelled for a blank endorsement as an illegal restraint. I issued a security despite being original secured creditor to consumer credit transaction. Despite misrepresentation of consumer credit transaction, XXXX has been advised to comply with my right of 12 CFR 1016 privacy and confidentiality and to cease the role of consumer reporting agency and communication with third persons, XXXX, XXXX, XXXX, Equifax etc. viz. consumer reporting agencies. XXXX has disregarded my revocation of right to report and continues to violate my right of privacy. XXXX has noticed of this billing error and has not responded. See FTC report attached regarding 15 USC 1679b ( a ) prohibited practices.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which Capital One charged off {$3900.00} on XX/XX/XXXX and sold to a 3rd party collection agency I am requesting validation made pursuant to the Fair Debt Collection Practices Act that this company is representing that I owe money to them and threatening legal action is a violation of the Fair Debt Collection Practices Act. This contract was CANCELLED when they charged off my account on XX/XX/2017 and sold to a third party collection agency. You must request that all credit reporting agencies delete the entry. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal or correction of inaccurate information regarding my XXXX XXXX XXXX account as reported by your bureau. This letter serves as a formal notice that I have previously requested validation of this account ; however, no documentation has been provided to substantiate its accuracy. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), I am entitled to a full investigation of disputed items and the right to receive supporting documentation. Since the requested documents have not been provided, I am demanding that the balance be corrected to {$0.00} and that the inaccurate payment history be addressed.
Product: Debt collection

I originally closed out XXXX and paid all of my bills plus return the equipment with proof in XX/XX/XXXX. I have names of who I spoke to verifying my account was closed appropriately with no debt owed. On XX/XX/XXXX I received a letter from MRS associates of XXXX XXXX. this letter states I owed {$89.00} to XXXX XXXX. I immediately disputed this in writing and sent a dispute letter certified mail on XX/XX/XXXX ( XXXX ) and confirmed receipt by MRS . I never received any correspondence in return. Today upon checking my mail I  received a collection letter from a XXXX XXXX XXXX XXXX from Georgia. At this point I feel harassed with collections, and have received no response from either XXXX or the original collection agency. The debt is invalid, and I feel victimized having to spend more money to keep sending certified letters on an invalid debt. Also both collection agencies have my name spelled incorrectly, and I will provide it in the contacts so it matches. Please advise if there is anything I can do. Sincerely, XXXX XXXX XXXX XXXX Original Collection : MRS Associates of New Jersey XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Subsequent Collection after failing to hear from my formal dispute as above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am initiating a dispute and investigation regarding these wrongfully reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates the reporting of any incorrect accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach Lexis Nexis to correct adverse information on my credit report regarding my auto policy lapses. I have provided the proof from insurance companies to show there was no policy lapses at all. This has been going on for 4 months now and the customer support keeps saying that they sent letter to reflect the corrected information which I have not received in over 45 days or so. Their XXXX report management and incorrect consumer risk information is resulting in paying more premium than what I should. I have made more than a half dozen phone calls and wasted over 3 days or so far providing proofs, gathering receipts and talking to the agents. My wife and son are part of my policy and their information is also being reported incorrectly. This company is very unprofessional and lazy in in correcting or responding to and correcting their mistakes. My family is being penalized for promptly paying the premiums and maintaining up to date coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY, I LOOKED AT MY CONSUMER REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESS. I HAVE BEEN FEELING DOWN AND XXXX  LATELY.THIS IS HARMFUL TO MY HEALTH AND A DEFIMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.
Product: Credit reporting or other personal consumer reports

I have attached my FTC Identity Theft Report regarding a fraudulent account that appears on my credit files. The details of the account are as follows : Partial Account Number : XXXX Status : Closed, but still appearing on my report I have no knowledge of this account and previously disputed it over XXXX years ago, at which time I was informed that it would be deleted. However, it is still listed under closed accounts and is affecting my credit report. 

Additionally, my personal data was compromised in Equifax data breach, which may have contributed to this fraudulent activity.
Product: Credit reporting or other personal consumer reports

I filed a Bankruptcy XXXX  XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX  XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department XXXX what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXX XXXX from Third Fifth bank, Bankruptcy Deparment named XXXX , told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited XXXX mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX  had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
Product: Mortgage

Threw the cfpb I requested for quicken loans aka rocket home loans and properties partners XXXX XXXX  and XXXX  aka XXXX XXXX XXXX XXXX XXXX Too give me cpa accounting. And my bank account and all my land loans in the business and the company office address and the company computer system that is partners with XXXX XXXX XXXX  aka XXXX XXXX, XXXX XXXX XXXX. From year of XXXX up too now. XXXX XXXX XXXX.is not the owner any more but a expired fiduciary responsibility. From my family the XXXX family bank. And XXXX  family standard oil companies XXXX XXXX. XXXX. XXXX XXXX XXXX is failed also too place 4 of my business information into LLC. He has the following address under names when they soppose too be in a LLC names just as rocket home is. Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX XXXX XXXX XXXX ga, and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ga.. All the rest of it is under LLC. Well XXXX XXXX XXXX XXXX ga XXXX. XXXXXXXX XXXX XXXX. Was place under a name not the llc.. XXXX XXXX XXXX the real owner of all this made me owner.by way of right of survivorship too all property under a EIN tax id number and his social security number. Expired year XXXX. Expired XXXX .y'all the trustee is not a legal owner aka trustee no more expired. And is fraud. I have file id fraud affidavit with the federal trade commission. Sense year of XXXX up too now. On all this. A id fraud and forgery escrow service report was made in XXXX of XXXX. And XXXX of XXXX. XXXX XXXX XXXXXXXX police XXXX XXXX. And XXXX XXXX XXXX and police department XXXX XXXX. 2 different police department. A affidavit was filed in XXXX XXXX court for a revoked also of power of attorney and attorney n fact services. All y'all got the notification. But is refuse too hand over cpa account and my computer system and bank account too all this.. Please contact me by way of ownership of email XXXX. and my up date phone number XXXX. XXXX XXXX. Was also on this XXXX XXXX XXXX XXXX ga XXXX.
Product: Debt collection

To begin, I was considering renting from an apartment but never applied nor lived in the complex. However, they sent a bill to collections for what I am not sure. I have received multiple letters in regards to settling this account. 

I explained that the charges are not valid an the agent " XXXX '' stated he is the operations manager at XXXX and that he was not offering any options to settle. 

He was extremely unprofessional stating that the charges were valid and that I needed to pay my bills multiple times. 

I was belittled and forced to make a payment even after attempting to explain that I never lived in the apartments so I should not have a balance/collections. 

XXXX needs to learn to be professional and maybe he can grow and afford nice things such as my range rover that he was so upset about and kept bringing up throughout his tantrum. 

My vehicle was brought up to advise XXXX that my credit is over an XXXX credit score and no negative remarks on my credit report other than this collection that is not valid. I am just tired of seeing it after several attempts to dispute.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the docs to have this fraud alert removed that I never requested. That was 2 months ago. I have also asked for my number to be corrected at least which they transposed my number for creditors to call me but it's the wrong phone number if I apply for credit. I am about to apply for a HELOC and I need this all corrected. My correct number for the last 20 years is XXXX and should at least be correct in the directions of the fraud alert if not removed from my file.
Product: Debt collection

The most recent call from Allied Interstate came today XXXX XXXX, XXXX at XXXX am. They hide their number which is ( XXXX ) and get rude and belligerent with when you tell them they have the wrong number that XXXX XXXX XXXX does not live here and you do n't have contact information for him. 

They call my home and cell phone numbers constantly harassing and abusing me for XXXX XXXX XXXX and I DO NOT KNOW THIS PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening I just check my credit and i notice that there are accounts that i did not Authorize I Have never given anyone consent to open these Accounts I'm a victim Of Identity Theft. every Account that is in this Report is fraud and need to be Investigated for fraud this is not right. I'm a hard working Man This Fraud in Florida Needs to Stop companies needs to do there Do Diligence with Identifications with Signatures before they allow an Account to be open
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you