23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Ive tried to dispute 2 negative items from a company named FINANCE SYSTEMS OF TOLEDO with XXXX because the debt they claimed I have I provided receipts from the hospital stating my insurance paid for this debt & that I had a XXXX balance. I sent them verification letters & receipts. They responded verified because they sent me my personal information regarding my XXXX XXXX  and lab work I received at the hospital. Not proving any debt, yet breaking major HIPAA Laws. This company has tarnished my credit for years with this debt. I plan to take further action or sue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
CXXXX XXXX XXXX XXXX XXXX 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: Debt collection

Also violating FDCPA by reporting a closed account as " open '' thereby negatively impacting my credit score. Firm refuses to remove inaccurate offending data reporting from my credit file after repeated communications form me demanding same.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off listed on my credit report under the account number referenced above. Upon review of my financial records and my Wage & Income Transcripts from the IRS, I have discovered that Affirm filed a 1099-C form with the IRS for this account in the tax year 2023 indicating that the debt was forgiven and reported as income.

Given that the creditor has officially written off the debt, as evidenced by the 1099-C form filed with the IRS, it is my understanding that the continued reporting of this account as a charge-off is inaccurate and misleading.

Please find attached a copy of my Wage & Income Transcript for the tax year [ 2023 ], which includes the 1099-C information reported by XXXX. I request that you immediately investigate this matter and remove the charge-off from my credit report to reflect the accurate status of this account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is inaccurate, incomplete, or unverifiable. I kindly ask that you complete this investigation within the 30 days allowed by law and provide me with written confirmation once the charge-off has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/2022 by AMEX. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHANGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIVADAIT .PLEASE DELETE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached dispute letter that was sent to Navy Federal last month. Not only have they failed to respond, but I have also yet to receive the 1099c form for the written off account they are reporting. Lastly, they are furnishing different payment history to the credit bureaus. How is that possible when all data furnished should be completely the same? Please remove this account from my credit report or I will be seeking compensation per violation. Please see the attached credit report and dispute letter which is dated, and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX
Product: Mortgage

Our mortgage started out with XXXX Mortgage Company in 2007, then was sold to XXXX XXXX. We have had some difficulties with our mortgage due to insurance that was added even though we had homeowners, which went to litigation. We did eventually receive funds back, but then our loan was turned over to XXXX Home Loans, now Fay Servicing. When we were with XXXX, I received notice that the city was putting a lien on our property due to non payment of our property taxes. We paid escrow payments every month, faithfully to cover our homeowners insurance and property taxes. This was not being done until I called XXXX and asked them about the issue. After our taxes were caught up, our loan was turned over to Fay Servicing. Fay informed us that our monthly house payment is going up over {$100.00} a month due to an escrow shortage. This puts our mortgage payment up significantly and will be hard to pay every month. Please, can you help us to understand what has been happening to our escrow payments that we paid every month? This is our complaint and plea for help! Thank you for your time.
Product: Checking or savings account

I am writing to file a complaint Navy Federal Credi Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings againist Navy Federal for simlat practices where transactions settled with insufficient balances despite initially available funded. I believe these practices are unfair and I request am investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send this company numerous letters and have not gotten any response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. It has come to my attention that there are discrepancies within my consumer file.
Product: Debt collection

I got an email from them as chase bank And I assumed they are so I called them about my debt and after I gave my social security I realized they were scammer They were impersonating chase bank and being able to pull up my bank account This is the number ( XXXX ) XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX, but LendSmart falsely claimed to be the creditor and demanded payments with a conflicting loan amount. Despite the user disputing the debt and requesting documentation, LendSmart failed to provide proof of assignment and instead threatened repossession. On XX/XX/XXXX, the vehicle was wrongfully repossessed by a company named XXXX XXXX claiming to be the lien holder but was not. Lendsmart sold the XXXX without proper notice or adherence to arbitration provisions. There are clear violations of the FDCPA, TILA, and contract law. A formal letter has been drafted to the CFPB, FTC, and LendSmart, seeking financial compensation and legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My criminal background or consumer report was requested from a company called XXXX XXXX, on XX/XX/2021. XXXX XXXX requested consumer information for the past 10 years. XXXX XXXX XXXX County put outdated and incorrect information on my credit report multiple times and XXXX XXXX may not hire me because of this incorrect information. There is a disclaimer on the bottom of the report stating my rights and it states, Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. The information was not only inaccurate, but OVER the ten-year request. This information needs to be removed immediately.
Product: Debt collection

I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$7100.00} All accounts were deleted XXXX but constantly reappear on my report. 
This information is inaccurate and should be deleted ASAP. I will be prepared to take legal action.
Product: Mortgage

On XXXX XXXX I closed on a FHA loan originated by OVM Financial. However, I qualify for a VA Loan. XXXX XXXX completed the application and also XXXX XXXX. The response was very defensive and removed from ownership of the error. As a result I contacted XXXX XXXX of OVM and shared that the military question was incomplete on the app. Now it 's going into XXXX and still not resolved. I finally received an offer that takes me from my current loan balance of {$300000.00} to {$320000.00}. I 'm currently in a FHA with a life time MIP which is an additional {$210.00} for the life of the loan. I served my country and earned the privilege to utilize VA Loan. I 'm XXXX and in the home that I consider my final purchase. I even pulled from my retirement to put down {$12000.00}. I feel like I 'm getting the run around and seeking help.
Product: Credit reporting or other personal consumer reports

I asked XXXX, Transunion, and XXXX to do a thorough search on my credit report and effectively remove the inaccurate reporting of XXXX XXXX XXXX off account. Upon my own investigation and that of XXXX we found the entry inaccurate. XXXX removed the entry completely, the others did not. A copy of XXXX 's results have been attached.
Product: Money transfer, virtual currency, or money service

I was looking to purchase a propane tank on XXXX marketplace. I found a place and it looked so legit! Had pictures of tanks and all called Propane tanks and Refills. So I contacted and spoke to a XXXX cash app $ everythingcoo Was a {$450.00} delivery fee for a tank and it was full! Would be delivered next day between XXXX and XXXX pm. Then after I sent the money I realized it was a scam. He came back on wanting insurance @ XXXX XXXX for another {$150.00}. I told him I would pay that on delivery! I instantly contacted Cashapp and they refused to refund my money. I asked for a refund from seller, no answer! Research his name and came up with someone from XXXX. Cash app was notified about all of this and absolutely refused to give me my money back. I have all my messages with this transaction with propane scam! I filed a dispute with Cashapp as well and they still refused! Its not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

Please be advised that Lending Club Corporation is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX through Lending Club Corporation. Lending Club Corporation is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX  XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX Lending Club Corporation lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and XXXX XXXX respectively through a U.S. Supreme Court decision Henson v. Santander Consumer USA Inc. Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, Lending Club Corporation must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that Lending Club Corporation is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. Lending Club Corporation must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Product: Debt collection

The creditor CITIBANK ( aka CITI Simplicity credit card ) wrongfully accessed and attempted to collect interest not earned on a paid in full credit card balance. The CITIBANK Simplicity credit card monthly billing statement includes language that you can avoid additional interest from being charged by paying your balance in full on or before the due date. I paid my balance in full on or about XX/XX/XXXX with the due date of XX/XX/2019. When I received the next months ' statement CITIBANK had charged me an interest amount through XX/XX/2019. Worse case they charged me an overage amount for at least 4 days. Although the amount was small, and less than {$2.00} I still called to complain and requested the amount be waived. The CITIBANK phone representative told me that CITIBANK charges interest from due date to due date. I asked about the language on the monthly statement to which she had no answer or explanation. Although CITIBANK did waive the interest charge in my case this is still a false and deceptive practice which I am sure is affecting the majority of CITIBANK 's credit card customers. If thousands and thousands of consumers are overcharged each month by a dollar or two each month in unearned interest that amounts to millions in false profits to this institution..
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I believe 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 accounts 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 XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Debt collection

This account was dispute and removed off my report on XXXX to XXXX with XXXX XXXX XXXX  for {$730.00} upon checking my report Sunrise Credit Services has reinserted this account without my knowledge i dont have a contract with this company and im requesting removal and my attorney is now working on this case