23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have contacted global lending services months ago whereas they had my payment date 10 days before my actual payment date of the XXXX of every month. They had charged me numerous late fees and even 3 late fees in one week ranging in amounts from XXXX dollars to XXXX dollars. I've asked them to review and credit back said fees I've already paid and they refuse. I've contacted them for over 2 weeks now about this and they are just rude and unhelpful. I need this fixed, if you do this to me, who else are you illegally charging?!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there is information in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me and the consumer ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Debt collection

I was enrolled in XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. I took a XXXX program for a year. I am being sued by three different debt collection agencies for over XXXX, this school did n't cost XXXX. When I ask for the original document to prove the amount I owe they have't provided it and they also state the loan is from XX/XX/XXXX. I was n't enrolled in the school in XX/XX/XXXX.They are endlessly calling me to settle a debt that I do n't owe this amount. I received {$5000.00} from the state and took out a private loan from XXXX from XXXX XXXX XXXX XXXX. I have tried to contact school but they have closed. I also tried contacting XXXX XXXX XXXX XXXX and to no avail. I do n't know what to do. Company will not forward me any info on the original loan. I was never served with papers that I was being sued or notified of a court date the judgement was just entered.
Product: Mortgage

XXXX XXXX, XXXX Consumer Financial Protection Bureau I am writing to notify of an issue I am having with the Kansas XXXX XXXX Department. 
I filed a complaint XXXX XXXX XXXX with XXXX XXXX, against OCWEN Loan Servicing. I was told this process will take approximately 100 days. I was also told there would be a consolatory process to see if an agreement can be reached. I told XXXX HUD we did not want a modification agreement from OCWEN, because we originally requested a modification XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and we still have not been notified of the investigation start date. To say that this has really gotten " Long in the Tooth '' would be an understatement ... 
XXXX XXXX has been unable to give us a timeline for the investigation. XXXX XXXX has been manipulated by OCWEN to attempt to strong-arm my family into a several modification agreements. I am requesting remedy under the {$25.00} XXXX XXXX XXXX XXXX, which OCWEN is XXXX of XXXX defendants. Your oversight for this process would be a Blessing. 
In your service, XXXX XXXX XXXX, XXXX. & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PS : We have complete email documentation to support all the above
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOT, THIS IS NOT A DUPLICATE COMPLAINT AND I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I '' m representing myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
YOU are reporting the INQUIRIES that are the result of the fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these hard inquiries from my report, I have provide all documents to verify my identity.
Product: Credit reporting or other personal consumer reports

recently reviewed a credit report that is reporting unauthorized inquires that were not authorized by me as they are fraudulent I asked for them to be removed I called the credit reporting agency and they simply said they would not these inquired are negatively affecting my score the following are named and dated. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

This item was purchased by a Third Party Debt Collector This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third Party Debt Collector.
Product: Debt collection

I received a debt collection letter from a law firm. The original creditor name and client name is unfamiliar to me. My credit reports do not indicate any fraudulent activity nor any accounts on default. Attempts to identify and contact both original creditor and client were unsuccessful. The creditor has a telephone number that does not exist and the client 's address and telephone number are the same as the law firm 's. When I contacted the law firm, before I could provide them with any information contained in the letter, they already knew who the client was listed on the letter.
Product: Student loan

Navient keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score and has caused inaccurate recordings on my credit file. Reporting is an installment loan of XXXX last updated on XX/XX/XXXX, an installment loan of XXXX last updated on XX/XX/XXXX. Also Navient is reporting an credit card balance of XXXX last updated XX/XX/XXXX Navient is reporting inaccurate account types that complicates my credit file to myself and other creditors. I am in the middle of financing and their frequent updates are detrimental to this process. For one I was in forbearance and was still receiving mail to make payments. Navient was also reporting late payments during the times of my forbearance in XX/XX/XXXX. I want all loans older than 6 years off of my credit report, as that is more than the SOL for my state. I need this done immediately, as Navient is doing illegal collecting and reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named XXXX XXXX XXXX i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, XXXX XXXX XXXX ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX XXXX. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXXXXXX XXXX  Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting for Transunion to delete these fraudulent accounts immediately from my credit report. I am victim of identity theft and I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my FTC report to this correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed with Experian to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Product: Debt collection

On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX County courthouse defending my property against Nationstar Mortgage LLC who is a debt collector 1692a ( 6 ) who was attempting to collect an alleged debt that is for personal, family and household purpose 1692a ( 5 ). The consumer transaction had been timely rescinded pursuant to 15 USC 1635. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ). Nationstar Mortgage LLC knew or should have known what it was doing was illegal bringing a debt collection action into a creditor related non-judicial state court action in violation of the FDCPA 1692i. Nationstar Mortgage LLC through counsel did place my private and personal contracts into the public in violation of privacy laws causing further harm to me. For these reasons stated above I am placing a complaint against Nationstar Mortgage LCC based on their conduct and behavior with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had contacted many times XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018
Product: Checking or savings account

I received an offer from Citibank as a credit cardholder for a promotion valid XX/XX/XXXX through XX/XX/XXXX to open a Citi XXXX Savings account as an account owner. The promotion was for a {$300.00} bonus if you deposit {$30000.00} or more by the 20th day after opening the account. By maintaining the {$30000.00} balance every day for the 60 calendar days following the 20th day after funding, I would be eligible for the bonus paid within 90 days of being eligible. 

I opened my account on XX/XX/XXXX and funded {$30000.00} and was eligible to begin counting the 60 days beginning 20 days after funding on XX/XX/XXXX. Because I kept the assets in the account ( and still have them there ), I was eligible for the bonus on XX/XX/XXXX and should have been paid by XX/XX/XXXX. 

I have still not received the bonus ( 108 days later, which I have not received interest on the bonus either ) and have followed up both via phone and in-person at a branch with Citi multiple times ( at least 5 ). My last visit to the branch was on Monday, XX/XX/XXXX, and this is still not resolved. 

I have spent nearly 30+ hours trying to resolve this issue, and I believe that I am being taken advantage of by Citi XXXX
Product: Checking or savings account

On XX/XX/year> I went to sign into my mobile banking app and a pop-up came on screen that said too many incorrect attempts logging in please contact customer support so I called customer support on XX/XX/year> at XXXX. The person on the phone said your account has been closed I asked why, and she said you will receive something in the mail I had over {$1300.00} being deposited that day and so I asked what would happen. She said once an investigation is over, we will mail you a check I asked how could you have closed my account if youre still investigating something? She said thats how it works I then received an email at XXXX stating my account was under investigation there was nothing in the email about the account being closed. They will not give me access to my account information to contact the companies I have automatic bill pay from to change to my other bank account. Every time I call Capital One they just say your account has been closed and is still in the investigation process so they wont give me a timeline of when I will receive my own money. I am in financial distress over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, Equifax, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.
Product: Credit card

I paid off the QVC Card to later find out my account is in collections. 
When making an order, I find out this account is in collections. 
I never received a notice of collections and never received a call. 
The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy call. When I call QVC, they say this is a false statement. QVC has me running around to clear my credit and begging for answers they ca n't provide. However, this vicious cycle of credit destruction was caused by them. I 'm getting the run around.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XX/XX/XXXX XXXX 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 XXXXXXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/XXXX I was a patient in the XXXX recovering from a broken ankle.They billed {$5800.00}. XXXX paid {$5500.00}, XXXX paid {$58.00} & {$170.00} and I sent a personal check for {$57.00}. They keep billing me {$810.00} through XX/XX/XXXX. I have submitted the statements from XXXX proving the payments. They claim there is a co-pay or deductable is due but never indicated it on any of their monthly statements but they did accept the amount billed from XXXX, XXXX. Now they have turned this bill over to a collection Agency ( Revenue Group ). I have sent the collection agency the statements from XXXX and XXXX proving the Payments but they continue to demand the {$810.00}. Refuse to prove that the bill is valid and have given no accounting of the payments made. Now thay are taking me to court. This bill has been paid but they keep trying to collect.
Product: Debt collection

Pursuant to 15 USC 1692c section a of the Federal Trade Commission library, Without prior consent, SARMA Collections inc, a debt collector, has contacted me in response to the collection of an alleged debt. Due to medical issues, I received this notice on XXXX XX/XX/year>. I have not had the proper time to respond. SARMA has indicated that if there is no response since the date of XXXX XX/XX/year>, then they see the alleged debt as valid. According to 15 USC 1692a, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction. I the consumer, consider this an alleged obligation. According to 15 USC 1692c, I wish to cease further communication with XXXX. The amount of the alleged debt owed is {$2100.00}. This is an inaccuracy and violation of 15 USC 1692 ( e ) section ( 10 ), it is the false representation to collect an amount that I the consumer do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that 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 items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX