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

Apparently Speedy Cash did not do their due diligence when issuing a loan to someone using my identity last XXXX. They sent the loan to a collection agency " XXXX  XXXX XXXX XXXX  '' which put it on my credit report as a collection. I have my credit locked with all 3 agencies and they couldn't have gotten the report to issue the loan in my name. But they have put it on my credit report dropping my credit score from XXXX down to XXXX. Now partially because of this I have on credit card ( XXXX balance ) closing because of " collections '' on my report. I have tried to resolve this issue with Speedy Cash, I have sent them the police report on file with the XXXX XXXX Sheriff 's department. file # XXXX. 
I have not had any response back from Speedy Cash, I have filed a dispute with XXXX, but XXXX XXXX has insisted that the collection is warranted. 
On one phone conversation I had with agents at Speedy Cash I found out that they have since issued additional monies to this same person.
Product: Checking or savings account

I have two credit card accounts, two checking accounts and one savings account with Bank Of America. Without warning, they closed my two credit card accounts. On XX/XX/XXXX, when I called to ask why a charge on my credit card had been denied, they advised me that all of my accounts were being closed, including my checking accounts and my savings account. I asked why and was told that the bank has made a decision to close my accounts. They would not provide any other information. They would not allow me to speak with a supervisor. The following day, on XX/XX/XXXX, my husband and I went to a branch office and spoke to someone who said the same thing. They also would not provide any additional information. We were told that our checking and savings accounts would be closed as of XX/XX/XXXX. My bank accounts have never had a negative balance. I have no had a NSF notice in several years. I don't have a lot of money in my accounts, but I have a balance in all of my accounts. I pay my credit cards and have never been late with payments. 
On XX/XX/XXXX, I received a letter notifying me that my accounts had been closed. The letter also advised that the bank may report these account closures to agencies that may affect my ability to open an account in the future.

I have been banking with Bank of America for almost 40 years! I have no idea what is happening and I am concerned about my credit rating and how this will affect that.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reported to them that I never opened an account with them! I also told them that someone was using my identity which was identity theft .. they informed me which the company is XXXX that they would take off my account, the company is XXXX saying I owe XXXX dollars which I never had
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I filed a dispute through Experian related to an auto loan that shouldve been closed, but still showed negative balance. The loan was through XXXX, XXXX, XXXX XXXX. Experian had raised my score XXXX points as the dispute started. XXXX  amount of time had went by, and they had finally resolved my dispute as of XX/XX/XXXX. My score went back down XXXX points even though they had removed the negative balance. I am upset that the score had been dropped XXXX points again, I thought that getting rid of an auto loan would have increased my score and rightfully so should have. The report number through Experian is XXXX. And the only reason that XXXX was started was because my XXXX  and I had purchased a car that she was XXXX  with so we exchanged it for another car, which is why we have another auto loan. alls I wanted was the XXXX loan to be removed and that my score go back up. If any more information is needed, I will gladly provide it. I need my score to go back up as I to am wanting to finance a vehicle of my own in the near future and the change they made my score the way that they did will have a negative impact on me trying to finance a vehicle.
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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. Actually I am not sure that the account is even mine though your company claims to have verified this. 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, 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/CA 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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI was granted a discharge of my student loans due to a XXXX. At the time of my XXXX  discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX  and XXXX XXXX XXXX XXXX as, well as XXXX. On XX/XX/XXXXit was reported to all three credit Company 's EXPERIAN, XXXX & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment inXX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three EXPERIANXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also Experian/XXXX   transefered to another lender there is only one lender.
Product: Mortgage

Flagstar has purchased our mortgage here in the XXXX of Florida. It is like pulling teeth to have our home repaired because they are either making us jump hoops to get the money or they are only issuing it to us in increments of {$10000.00}. Most contractors are having to have a percentage upfront and with them not releasing the funds provided to us by our homeowner 's insurance company we only have a fence back up and a roof that has been completed since Saturday XX/XX/19 that is only partially paid for. I understand they want to send over inspectors as they have interest in our property being the mortgage holder but they need to release more money at once. We are going to have to find a place to live for an estimated 8 months with children for interiors repairs. We can't even start those because we are still awaiting the money to be released for the roofing company before we can request more. Also we have to go through major paperwork as well as the contractors, then it goes under review for 5 business days, then they send it over to have the check cut for a portion of the work which takes 3 business days then they snail mail it to us which is another 3-5 business  days. This is the reason the people in the XXXX of Florida are having such a hard time rebuilding, because of mortgage companies such as this. We have done everything but the struggle becomes even harder with each repair we make. They are making it entirely too difficult to make repairs because by the time we are able to secure someone which like I said is hard to find they get tired of waiting and go to the next job. These people seriously need to release our funds in a timely manner and at a higher amount so we can have our repairs complete before yet ANOTHER hurricane season. I personally do not want to live in a camper trailer with my family during a hurricane. Flagstar Bank is nothing but a hassle.
Product: Vehicle loan or lease

On XX/XX/XXXX I called in to make payment iao of XXXX the rep at the time didnt inform me that part of the payment would be applied towards fees and not the actual payment it caused me to get further behind every one there at first investors states there is nothing they can do and I believe that is a lie
Product: Money transfer, virtual currency, or money service

My preferred payment method was not used on Paypal payments. The XXXX XXXX XXXX  is listed as the preferred payment method and has been since XX/XX/year>. Instead Paypal charged my checking account, which caused overdraft issues from my bank. When I contacted Paypal, they did not address the issue or take responsibility for their mistake. 

This included the following transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I already canceled my XXXX  transactions when I noticed the issue, but the XXXX transaction has not been canceled yet.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These accounts and inquiries are the result of unauthorized access to my personal information, and I request their immediate removal from my credit file.

The following unauthorized accounts should be blocked and deleted : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from 07 NATIONAL COLLEGIATE TRUST. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and NATIONAL COLLEGIATE TRUST was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and 7 NATIONAL COLLEGIATE TRUST case Case XXXX
Product: Debt collection

Around XXXX XXXX, I received lab work by XXXX XXXX XXXX through a XXXX XXXX program provider. All medical bills under this authorization are 100 % covered by my insurance. My insurance company paid the debt owed and I later received collection notices from SKO BRENNER AMERICAN , INC . I called my insurance company and they were able to rectify the situation. However, I have received two more harassing collection letters stating I still owe them. I called my insurance company and they tried reaching out to XXXX again to no avail. They could not get through to anyone and neither could I. However, they assured my insurance company that they would remove the charges. Please help get the this situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE FOR CREDIT TO BE OBTAIN. NO ACCOUNTS TO VALIDATE INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Product: Debt collection

I contacted this company through XXXX  on XX/XX/XXXX and requested they remove my information from all of the reporting agencies as I did not ever have a contract with Penn Credit. Then on XX/XX/XXXX I requested proof of their legal right to ownership of this debt as well as any contract that I signed with them, I sent this letter certified mail and did not receive a response to these questions.
Product: Debt collection

On XX/XX/2020 i got my credit repot and realized there is a collection agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates
Product: Mortgage

XX/XX/XXXX I received a letter from my property XXXX call AmeriHome it was stated to me on the phone that it will be paid .In XXXX I received a letter stated that my home loan has been transfer to XXXX XXXX XXXX which located in XXXX Texas I paid my last mortgage payment with AmeriHome in XXXX for the amount of {$2300.00}, I paid XXXX with XXXX XXXX for XXXX {$230.00}, when call to pay XX/XX/XXXX the house mortgage payment went to {$3000.00} I never miss a payment with I AmeriHome the property taxes and home insurance was included with the mortgage payment now Im in delinquent for {$7200.00} Im about to lose my childhood home when AmeriHome transfer they knew they didnt pay the property taxes.
Product: Debt collection

I was sued by XXXX XXXX for XXXX they sold it to midland who took me to court i was not notified they are garnishing my wages for XXXX every week money comes out of my check I have already paid XXXX on my credit report they keep reporting derogatory remarks my name and social is in the dark web and I am stuck paying this money that I don't owe
Product: Student loan

I have recently contacted Campus Partners to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, Campus Partners will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I have been recently denied or not approved for two rental units in the past month, the most recent application was on XX/XX/2019 for {$65.00} via a computer application called XXXX or Transunion Smart Move. I requested my background check report from both entities and associated third-party " background check '' or tenant screening services. Regarding my application on XX/XX/2019, I obtained something titled an " Eviction Report '' from one of those companies, Transunion Rental Screening Solutions, Inc. I found that this report is wholly incorrect as to the public information contained within ; the report lists one public record, an eviction, that does not even exist, and it lists the SAME one eviction case I do have on my record, three separate times with the same case number, amount owed, etc .... so, instead of the one item that should be on the report, instead it looks as if I have FOUR evictions on my record! I have attempted to contact the company for advisement on how to correct and I have been in an endless loop of transfers to different departments