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

Im a consumer 15 USC 6802, financial institutions may not disclose non-public personal information to any non-affiliated third party. No credit union has got my authority have asked for my Authority or have received a call from me about they can use my Consumer Report. Also 1681a ( i ) ( ii ) ( iii ) exclusions late payments and utilizations are not part of the consumer report and is not a factor in anything on my Consumer Report and should be removed and all laws that I have stated all credit companies have to abide by these laws or will be sued to the full extent of the law. An last 15 usc 1681Q Oblaining information under false pretenses, reading permission must be given and no written permission has been given These items that I document and state or over 108 violations with all credit companies I would like everything on my Consumer Report removed. 

All accounts are for remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. 

In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead capital one responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX today. XXXX  XXXX admitted fraud investigation was after cards were canceled and then charged off leaving a lump sum due of {$1700.00}. They then offered a lump sum payment as settlement. 
After XXXX, I couldnt afford a lump sum then and I cant now and that is why I was faithfully making my monthly payments with a mid XXXX score. Its all in record today with the quality assurance taped recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stated all the laws unto which has been violated.But most of all is 15 USC 1681s-2 ( a ), ( 1 ) ( a ) .They still have fraudulent claims on my credit report.Unverified but said it was, I requested all information of verification and I have not received it yet it has been over 30 days.
Product: Money transfer, virtual currency, or money service

I invested to XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) on the XXXX 's online platform under the environment provided by Trust Wallet at the persistent recommendation of XXXX, an employee of XXXX XXXX, from the beginning of XX/XX/year> to XXXX. On XXXXXXXX XXXX in transaction under XXXX XXXX supervision and direction I lost total about XXXX. All of my money of XXXX disappeared and caused an additional loss of about XXXX. I think that XXXX negotiated with XXXX XXXX and manipulated transaction with me on XXXX 's online platform, causing tremendous losses. I strongly protested to XXXX and XXXX XXXX that this transaction is a fraud in which XXXX and XXXX conspired to take away my money ( XXXX ). However, they said that they are not responsible for anything and are blaming me. Please help me get my money back from XXXX and XXXX. - Amount that was taken by XXXX and XXXX : XXXX. - I asked Trust Wallet to investigate this case and cooperate to get my money back, but there is no answer.
Product: Checking or savings account

I had stayed at a XXXX XXXX hotel near the XXXX XXXX. I checked in on the XXXX XXXX and had to check out three days early due to a family emergency. When I checked in I was charged {$570.00} on my Chime Debit card. Which {$200.00} was for a room deposit and remaining amount was for the actual room stay. 
When I checked out early on the XXXX XXXX, the hotel clerk only charged me for XXXXXXXX XXXX. I was told the deposit and refund of the night that I didn't use would show in my checking account within 7 days. It is now over 7 days and the hotel verified they released the funds. Chime customer services which is in a foreign country, constantly hung up on me and couldn't pronounce my name correctly, said the funds were never taken out. Chime has told several different stories every time I call. When I ask for a supervisor, they say they are the supervisor. When I asked for the Chime Corp office, they say they will transfer me and then hang up. All I want is the {$470.00} I am owed. I am seriously thinking about closing this bank account and going with an American bank. Please help, This company should not be allowed to operate their customer service location in a foreign country for customers living in the United States.
Product: Debt collection

I had disputed with this company several times. I first asked for validation of the debt and they sent me the debt information from XXXX XXXX XXXX XXXX for the amount of {$200.00}. I was a former customer with XXXX XXXX XXXX XXXX. I then sent them a certified mail for pay for delete to dispute the debt and they completely ignored me!! This debt does really hurt on my credit report!! I need them to help me dispute this them and not being rude.
Product: Student loan

I have original loan amounts thru 2002 upto XXXX but principal on my loans are listed above XXXX which were above the maximum and never issued to me. I contacted loan servicers but no one has corrected the erroneous amounts. Please review & correct original principal loans amounts/balances. Please send to my Navient account email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following bureaus placed unauthorized hard inquiries on my credit report violating code XXXX5 US Code 1681b. 
XXXX - 2 hard inquiries XXXX - 8 hard inquiries Transunion - 17 hard inquiries XXXX XXXX of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.
Product: Debt collection

I have reported this company to the Consumer Financial Protection Bureau Case number : XXXX on XXXX XXXX, 2016 for illegally calling me trying to get my relatives social security number. I have never done any business with this company. They have called me again today from a different cell phone number, and using a different company name " MNS Associates ''. I am reporting them again today!!! 
The number they called me from today is ( XXXX ) XXXX, which is listed as a XXXX business on XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am writing to dispute the following information that your company provided to XXXX Credit Bureau, XXXX XXXX XXXX, XXXX, TX XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item : " Credit Limit/Original Amount '' and " Recent Balance '' is inaccurate because it portrays to prospective creditors and to the scoring algorithm of XXXX that I have exceeded my credit limit by more than {$15000.00} which creates a negative impact on my score. I am requesting that Navient have the item ( s ) correct their reporting metric to reflect my Credit Limit/Original Amount equal to my Recent Balance to correct the information. This is consistent with the way my student loans with XXXX XXXX are reported and those are not having a negative impact on my score or raising a concern with potential lenders. 
Enclosed is a copy of my XXXX Credit Report with Navient and XXXX XXXX sections circled supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them correct the disputed item as soon as possible.
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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Checking or savings account

In XX/XX/XXXX2021 I was paying my property taxes online for the XXXX of XXXX. I own two properties in the XXXX XXXX XXXX. 

While I was paying I mistyped the APN number to one of the properties, and made a payment on someone else 's property taxes. 

I immediately went to my local branch of Chase bank and placed a stop payment on this with the help of a bank employee. I was assured I got there fast enough and they would stop the payment. 

On XX/XX/XXXX I noticed the payment was " pending ''. I went back to the branch and was sent to a second branch to see the same employee that helped me initially. He completed a 2nd stop payment request and opened a claim. Again telling me that the payment would be cancelled with no problem, and the funds would not leave the account. 

The transaction has since been completed and the funds taken from my account. 

I issued two stop payments, made 7 visits to Chase bank, and made 3 phone calls to their claims line. 

They are claiming I took too long to issue the stop payment, despite being at their branch within 15 minutes of the online payment to the assessor being initiated. 
They have promised repeatedly someone will call me and rectify this problem, but no one has called, and the employees of the local branches say there is nothing else they personally can do to help, it has to come through their claims department who denied the claim. The branch employees say they have escalated higher internally but no one has responded too either of us. 

I have attached a copy of my banking history showing the payment was taken out, along with both stop payments I requested, XXXX and XX/XX/XXXX. Along with the receipt to the tax collector dated XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my Transunion and XXXX report.
Product: Debt collection

Communication with XXXX XXXX frequently involved being placed on excessive hold time. 

XXXX did not issue an email verifying payment in full and deletion of the account within the period of time they reported they would.

I was told to expect this email with receipt of payment within 1 to 2 hours. I contacted the company after 2 hours had passed to inquire where my receipt of payment was. They placed me on a hold which at the time of writing this complaint is XXXXXXXX XXXX long.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Removed and re-inserted, violated F.C.R.A. law ) Reported : XXXX XXXX, 2021 {$300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 

1. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX Account XXXX : XXXX 1. XXXX XXXX XXXX BANK XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$670.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$0.00}, Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX, Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX, XXXX Reference number : XXXX
Product: Mortgage

I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. 

They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. 

I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. 

Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. 

Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I complain about the erroneous items in my file that I am sure are not mine, but still the disputed items are appearing in my report, I want the items which came about as fraudulent. 

Please remove the following items for they are fraudulent/erroneous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$14000.00}. XXXX XXXX  XXXX XX/XX/2022
Product: Mortgage

I owned property in XXXX, XXXX ( I live in XXXX ) that was declared it in my bankruptcy discharged XX/XX/XXXX. The property was not officially foreclosed and sold until XX/XX/XXXX to The New York Bank Of Mellon. The only way I found out this information was when I tried to purchase property XX/XX/XXXX and the underwriter found my name on the property. They informed me that I would not be able to get a loan until 3 years after the foreclosure " sold date ''. I waited the 3 years ( XX/XX/XXXX ) and now am told the attorney ( acting as title company ) never deeded the property to The Bank of New York Mellon, and it still was in my name up until XX/XX/XXXX. I am currently trying to purchase property and the mortgage professionals are stating that the date they use for the 3 year starting date is now XX/XX/XXXX XXXX the date the title was taken out of my name ) NOT the foreclosure sale date of XX/XX/XXXX as originally stated.
Product: Credit card or prepaid card

I am writing today in regards to my account with US BANK account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Payday loan, title loan, or personal loan

I took out a loan from OneMain Financial , Inc AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX while going through divorce then became ill. I had XXXX which took time to recover, no work no money. I did not notify the company since I thought I could catch up later. The company has to date never provided a Default Notice or Warning letter to my address ( Lawyer has the address ). Oddly I received a summons with " ALIAS '' stated on the summons in  handwriting. My name was hyphenated when I was married ( I suppose it's not okay for males, they get branded with Alias by rich 1 % financial companies ) this will be shared to social media. The courts have since restored my name and the loan company agent ( Lawyer ) feels the need to criminalize my LEGAL NAME CHANGE BY CALLING IT ALIAS, I DO NOT AND NEVER HAD AN ALIAS. I moved yet the summons managed to locate me which indicates they always had my address. Strange, so why haven't I received any correspondence ( ie Warning Letter or Notice of Default ) from the loan company? This rich loan company managed to find a lawyer to drain the blood from me while struggling, yet can not send a notice and warning as required by law? I have in my possession the loan companies own agents ( Lawyers Summons ) on letterhead indicating they knew/know my whereabouts and went straight to summons. No Warning or Notice of Default are in the summons. Now I am to appear in court or face a judgement caused by a stacked deck in favor of the 1 % rich company. This is harassment and I intend to counter sue the company for violations of the FDCPA. However, to avoid all the back and forth, I would still be willing to work something out with the extremely wealthy 1 % loan company AWAY FROM LAWYERS. I write this complaint to make this a matter of public record. And I will fight back if necessary. I will retain counsel and file countersuit within 5 days. I know my rights under the FDCPA and I have no intention of allowing any company to ruin my name. I await the reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, XXXX, XXXX XXXX XXXX. news ) reported on their nightly news as well as on their online news website that " EQUIFAX EXECS SOLD STOCK BEFORE HACK WAS DISCLOSED TO THE PUBLIC. '' When Equifax FINALLY reported their data breach to the XXXX public on or about XXXX XXXX, XXXX approximately XXXX XXXX XXXX citizens ( to include myself ) placing EVERYTHING that was suppose to be CONFIDENTIAL about myself and XXXX XXXX other XXXX citizens was no longer confidential. All thanks to Equifax alleged sloppy security measures. 
XXXX also reported that XXXX XXXX XXXX, Equifax 's President for XXXX XXXX XXXX and XXXX XXXX XXXX, Equifax 's President of XXXX. Workforce Solutions each sold a LARGE amounts of their Equifax stock PRIOR to revealing to the XXXX public that Equifax had a massive data security breach. These XXXX Equifax executives financially profited off their own company 's security mistake while XXXX XXXX XXXX citizens which also includes me have suffered emotional harm and potentially financial harm as ALL of our VERY personal credit information has now been released into cyberspace. 
Before this XXXX XXXX, XXXX, XXXX news story, Equifax allegedly had a horrible reputation in their so-called " Customer Service '' Department but since XXXX XXXX, XXXX it has it now even worse. 
When I recently called Equifax about the above concerns and asking for a " Free Copy '' of my Equifax credit report, the Equifax employee just hung up on me.