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

On XXXX/XXXX/13 i purchased a brandvnew XXXX XXXX XXXX XXXX XXXX. The car was roughly {$35000.00}, and i also had a trade in that i still owed {$7000.00} on, so that amount was added into the loan because the creditor paid it off after i traded it in. The grand total was XXXX including the nee car and the amoint owed on the old vehical. Eithin a week of purchasing the vehical i got a notice in the mail stating that my licence would be suspended if i did not pay off {$35000.00} in parking tickets. I had no other choice but to file bankruptcy, however the bk judge ordered the car be paid outside the bk. I paid for the vehical for 3 years outside the bk. However the creditor filed a claim and was ( mistakingly ) getting payments inside and oitside the bankruptcy against judges order resulting in an overpayment due to me. They ( XXXX XXXX XXXX ) sent me an overpsyment check in the amount of {$2000.00}. However three months prior ti sending the vheck they reposessed my car stating that i owed {$1300.00}, at the time of repossession, which was innacurate, as evidenced by the overpayment check i recieved. Also, as explained above the creditor recieved payments inside and outside the bk in the amount of about {$30000.00}, regardless of this fact the crefitor maliciously reported to my credit that i owed a sum of almost {$70000.00}. My credit svore was XXXX before this however as a result my credit score has dropped to XXXX, even though i have disputed in writing and the creditor has lowered the amount it said i previously owed my crefit remains damaged and i do n't have a vehical as a result. The creditor refuses to give me validation of the debt they say i owe. Which i have requested in writing over 30 days ago.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent activity on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account from my credit file : Fraudulent Account : XXXX XXXX - XXXX - XX/XX/year> - {$00.00}
Product: Money transfer, virtual currency, or money service

I already tried resolving the matter and Wells Fargo declined it. I want you to resolve this matter on my behalf.
Product: Debt collection

About 18 months ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. The most recent issue is a TD BANK calling my sick mother asking for me to pay for a debt i gave my all too and still ended up falling behind and closing 9 months ago.
Product: Debt collection

-The creditor contacted me through a third party, and the amount they claim I owe keeps changing. I dispute this debt, as I do not owe the stated amount. Additionally, they are harassing me and have improperly reported this to my credit report. The receipt the company provided are false for the month of XXXX and XXXX.
Product: Debt collection

Subject : Formal Dispute of Unauthorized Collection Activity Dear Sir/Mad. 
I am writing to formally dispute the collection activity reported on my account concerning an alleged credit card debt of {$820.00}, which I unequivocally deny owing. 

I have never held an account with the original creditor listed. Security Credit Services is appearing on my credit report as the original creditor, yet I have never obtained any phone service or any other service from this entity. This information is inaccurate and appears to be a case of deception or fraudulent reporting. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I ask that this disputed account be removed from my credit report if it can not be substantiated.
Product: Payday loan, title loan, or personal loan

I have fallen on hard times and called your office yesterday to try to work out some arrangement that I could afford and was not offered any assistance. I borrowed {$1200.00} and have paid back {$1100.00}, however due to the interest rate being so high you have me owing a balance of over {$1000.00} still. I was told when I took this loan that after a period of time I would be able to refinance the loan and lower my payments. This was not true, I have attempted to refinance and the APR is the same 291 %. I would like to cancel my account and come to an agreement that works for both of us. I am a single mother and paying {$160.00} every time I get paid equaling to {$260.00} per month is unbearable. I have also mad large payments over the past few months hoping this would decrease the balance and it has not.

Kindest regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following are UNATHORIZED inquiries in my credit report XXXX XXXX XXXX XXXX XX/XX/year> Bank XXXX XXXX - XXXX XX/XX/year> XXXX XXXX XXXX - XXXX XX/XX/year> XXXX XXXX XXXX - Experian XX/XX/year>
Product: Debt collection

Randomly called while I was hospitalized, did not leave a message regarding the call. I dont have any collections with this company on my credit report. I searched the company and saw multiple reports of them collecting debts not owed by the person they contacted, they do not provide proof of the debt being settled, and they continue to try to collect even after it is paid. Reviewers stated that reporting the conduct ceases the contact since they do not want to answer anything regarding the contact without you providing your personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I noticed that there is an unrecognized account on my Equifax credit report. It shows that the account was open on XX/XX/2018. I have never opened this account and so I disputed online through Equifax website. Today I received a notice about my dispute that the account has not been removed from my credit report. 

The credit reporting agency didn't responsibly investigate the account. Later I know that this account was opened by a person who has a similar name with me in the same apartment building. However, he has a different apartment number as me. Equifax mistakenly matched his data with mine. Equifax 's investigation didn't find this and its system still mixed my file with the other 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts were paid in full and promised to be removed from credit report. 

Experian, XXXX, XXXX still report and side with creditors, been 3 years since balance has been paid but still shows collections
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen while I was XXXX, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not XXXX  when in fact I showed them proof of being XXXX  on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.
Product: Mortgage

In XXXX I received an email from Citizens that my mortgage payment was late. As this was not correct I went to my bank and obtained proof that they had received the payments. I contacted Citizens and I found out they had rejected the payments due to the fact they had changed the payment amount. I had not been notified of this change. I questioned where this notification was sent and they provided an address that was not mine. We determined my ex-husband had committed wire fraud, I then sent them my divorce papers, the quit claim deed showing he had no right to the house and I was the responsible party. On XX/XX/XXXX I spoke to XXXX at Citizens about assuming my mortgage due to divorce. I was told they would mail me papers to complete to assume the mortgage. It took them over two months to send them and several phone call from me to them to actually get them to mail them to me. Over the last year I have sent them the paperwork they requested for me to assume the loan. I have also provided them with a W-9 as well as my husband 's death certificate. They will not refund the two mortgage payments they rejected even though they confirmed in XXXX the checks had not been cashed. This is {$3200.00}. They took over a year to change my name despite me providing them with the documents showing I had been granted a legal name change by the court in XXXX of XXXX. Then in XXXX of XXXX they emailed me an escrow refund check made out to my now deceased ex husband and me in the amount of {$730.00} however they had still not changed my name and I can not cash this check. I have had numerous conversations with Citizens and have even been put in touch with the Chairman 's office but despite being told by them all I need to do was sign one document to assume the loan I have been unable to do so. they continue to ask for documents they did not need to deliberately delay this and I believe they did so to prevent me from refinancing my loan with another company while the rates were lower. I also think they may be discriminating against me due to my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this item with Midland funding for almost five months now. I have retained all my correspondence for evidence if I have to take this matter to court. 
All I want is the error corrected and deleted from my report. 
Midland Funding is claiming to be trying to collect a debt on behalf of a company that claims I dont even owe them which is XXXX XXXX XXXX. I requested written verification of the debt to prove that this charge is indeed valid and not fraudulent as is within my rights under the FCRA and the only responses I keep getting from the company are attempts to delay the deletion of the item. They have never produced anything more than a doctored bill with an address and balance on it that is in correct. I owe both companies nothing. 
They cant even prove the account is mine and I didnt ask for anything out of my rights under the FCRA. I plan on taking this company to court for damages and violations of fair credit reporting act. This is my final attempt at settling outside of court. On XX/XX/XXXX I received the letter I am attaching which is the third correspondence from this company and this is all it says verified which is not telling us a method of verification. No court will just take their word for it and its unfair that they are holding my credit report hostage. 
This company is harassing me via phone and mail and I am officially revoking their right to contact me unless it is to state the previously requested verification or to notify me that this item as been removed. Im sick of playing ring around the Rosie with them! This is against the law and I am filing a lawsuit IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have asked the companies to remove inquiries off my report as I am unfamilliar with them. Im being solicited for promotion because of these inquiries and i have requested they be removed from each company. These companies are now invading my privacy per the Privacy act of 1974, FCRA, and 15 USC 1681b : Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Product: Debt collection

I have been repeatedly contacted at my place of business relating to a debt that I do not owe. In fact, not only do I not owe the debt, but the debt has been falsely placed on my credit report and is falsely reporting to XXXX XXXX, XXXX, and XXXX. I have been contacted by Southwest Recovery Services who is falsely reporting and attempting to collect a debt on behalf of a company for which I have NEVER conducted business ; XXXX XXXX XXXX. I have been contacted at my place of business nearly five times. Each time, I have asked that the company who is attempting to collect my FALSE debt, please perform a debt verification. Each time, the company states that they will follow up by sending to my physical address the proof that I'm derogatory in any way with XXXX XXXX XXXX. To date, I am STILL getting contacted on a recorded line ( both their company AND mine ) and each time there has been XXXX follow up by either Southwest Recovery Services OR XXXX XXXX XXXX. This is a clear violation of my rights under the FCRA and the FDCPA. I have been researching my rights under both laws and I am being financially harmed. I am unable to obtain business financing due to the gross negligence in my credit sceario. I'm attaching proof of such violation in the following attachment ; as the most recent call was captured and recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

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
Product: Money transfer, virtual currency, or money service

During XXXX occasions now with Robinhood, I was not given proper notification of restrictions placed on my account. The first occasion was centered around me utilizing their instant deposit feature. I had made a deposits / withdrawal and had tried to add more funds to the account. I was allowed to add the funds however I wasn't able to use them as intended to place a same day trade. The result inhibited me to place other trades to mitigate losses and or see a favorable gain. In total we are taking about a significant amount of money to me. When i called I was told that their risk department placed a restriction on my account, and this was placed on them without any disclosure. Further, if I had known this option wasn't available to me then I wouldn't have adjusted my investment strategy for the day. Unfortunately, I wasn't given this simple disclosure of changes occurring on my account. Next, on XX/XX/year>, I called my financial institution because on the Robin site I was receiving a message that my debit card failed and was declined. My bank shared with me that I had no issues on their end and my available balance was sufficient enough for the Robinhood transactions to process. When I followed up with Robin hood about this issue i again never received the proper disclosure that I would expect according to Electronic Fund Transfer Act XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Specifically, on this occasion I was told by the service representative and then their manager, they are prohibited from disclosing this information because it was proprietary. When asked to clarify this I was told they can't disclose the reason, or when this issue would be corrected and or restriction removed. Further, the agent did disclose that he had the information available to him and could see why the restriction was placed and how long it would be on the account. Please pull case # XXXX. XXXX was the agent within the spending account department.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

REMOVE THE LATE PAYMENT OFF MY PERSONAL CREDIT REPORT IMMEDIATELY from XXXX, EquiFax, and XXXX!!! 

Account number : XXXX For XX/XX/year> In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX - I need you to remove the XXXX late payments on my XXXX credit report. 
Account number : XXXX For XXXX and XX/XX/year> I DID NOT miss my payments. You guys charged me a monthly fee which did not previously exist. I DID NOT agree to this monthly payment fee and it is NOT OKAY for you to classify NOT PAYING as LATE PAYMENTS. 

I need you to remove these LATE PAYMENTS from XXXX, Equifax, and XXXX. 

I am NOT happy that you did that to my personal credit report. I called in and your supervisor assured me that they wouldn't be reported as LATE PAYMENTS were nothing but LIES.
Product: Checking or savings account

On the date of XXXX I received a letter in the mail stating that I had opened a checking account with the Bank Of America and the it was overdrawn by XXXX and that also I wrote a check to universal XXXX XXXX  XXXX for XXXX that was located in XXXX I never ever opened up and account with this bank nore did I write a check to this company I live in XXXX never been to XXXX so I reached out to the bank and they said they where going to look into it but I never received anything about it I dont know how was a bank account opened in my name when I never been to the bank I would really appreciate it if I could get some help with this situation thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 account or information 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 this XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.