23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hilco Receivables has filed a judgment under my name for money and debt due on XXXX/XXXX/2007 ( see attached case # and record of judgment ). I was not aware of this judgment nor was I served like it states in this document. Hilco Receivables is a collection company that has not been able to verify the source of the original debt. I believe that they also DBA as XXXX XXXX XXXX , XXXX. They have continued to simply ignore my request for sourcing the original debtor which according to this order was in 2007 way past the statue of limitations for any debt and can not verify original balance or source. The judgment is showing on my credit report and on record with the XXXX District Court. I also tried to attempt to verify the source debt thru the credit reporting agencies with to no avail or resolution.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMSHER COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have a right to my 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. Equifax according to credit karma reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.
Product: Credit card

Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, XXXX XXXXXXXX. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to CAPITAL ONE credit card on my account ending in XXXX It would help me during hardship situation to recovering. Also known as CAPITAL ONE QUICKSILVER CREDIT CARD closed my account without giving the opportunity to recover from this hardship situation and won't offered me any moratorium, deferment or new payments arrangements, they also did not apply the credit card insurance that I was enrolled just in case of job loss and did not apply the promise to not harm my credit report when I was insured and enrolled on the credit Protection program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to update how the credit system works. This happens to millions of Americans every year. 
someone pays off a car, personal loan or a mortgage and their credit score takes a drastic hit. Or has a home loan for many years and  refinances for a better interest rate. First, people get dinged for a hard credit check for the refinance, then another ding on credit history when the original home loan is paid off. Finances get better but credit scores go down. 
It is possible to put in a new algorithm in place that takes all of this into account. People work hard to pay off loans and even harder to pay them off early. Accounts get closed but just as if someone had a bankruptcy or late payment which stays on for 7 years, on-time & early payoffs should be a positive mark that stays on for a number of years as well. The system should be smart enough to see if someone has paid a long-term loan off or refinanced. 
Everything is a quick ding to credit scores. Credit scores go down quick ( sometimes for no good reason ) and takes a long time to recover. This is fine for late payments, bankruptcy, etc. but not for Americans/Consumers who have worked hard to pay off a loan or harder to pay it off early. 
I am XXXX XXXX XXXX. I have had a credit score over XXXX. It was XXXX during XXXX of last year and it is now XXXX. There really isnt a good reason either. Ive had perfect payment history, my income debt ratio is very low, I pay off my credit card just about every month. Im paying off my truck loan in XXXX and expect my credit score to drop again. I had a {$37000.00} that started on XXXX. I will pay it off in a little over 3 years. That should be a + for early payoff, not a ding because that loan is closed. ( Possibly just credit history needs a rehaul. ) Derogatory marks can stay on your credit report for 7-10 years ; I do not have any. I've had credit for at least 30 years but yet my credit history says " 5 years, 9 months. If a derogatory mark can stay on for 7-10 years, why cant positive items? And have your credit reflect that. 
Where does this change start? Im sure a post on XXXX and/or some other social media site would quickly gather an overwhelming number of signatures. But would your organization petition or request a possible review/change to the credit bureaus? Or does that need to come from congress or somewhere else? 
In summary, people who work hard to pay loans off and it is very apparent when people have outstanding credit history. Why should consumers continue to get dinged for paying of major loans on time or early? And why does a credit check ding your credit score? Shouldnt it matter where the inquiry at least comes from? I have 3 inquires from XXXX on XX/XX/XXXX. On XXXX, it counts for 3 and another from XXXX XXXX which may have been from XXXX as well. I have no idea. 

Thank you so much for your time and consideration and hope to hear back. 
XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several inquiries that are unauthorized in my credit report, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 account number XXXX XXXX XXXXXXXX account number XXXX account number and XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX account number 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. 
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Product: Debt collection

I have XXXX and XXXX monitoring my credit. I received notification from both that a collection for $ XXXX was submitted on both my XXXX XXXX and XXXX credit reports on behalf of XXXX. The collection agent is Credit Management , LP of XXXX, TX. I called XXXX, and I do not owe them any money and was not even listed on the account that my husband has. They have confirmed that the account that he has is in good standing and being paid automatically each month. I have since gotten a written request to pay this debt by US mail from Credit Management. I have filed a complaint with the US Postal Inspector and will be filing a complaint with the Illinois Attorney General 's Office. I have disputed this item on both credit bueaus. 

I am the XXXX of XXXX at XXXX XXXX XXXX in XXXX, IL. This company is attempting to collect debts not owed by holding credit reports hostage. I will not let them get away with this fraud.
Product: Payday loan, title loan, personal loan, or advance loan

The First National Bank of Omaha has discriminated against my application for an extension of credit. The adverse action given to me is a violation of the Consumer Credit Protection Act 15 USC 1691b. I have sent a letter regarding my right to have credit extended to me pursuant 15 USC 1691 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dark web inquiries on SSN with old address and very old phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of the HIPPA Law.
Product: Debt collection

Received collection notice for false admission to XXXX XXXX charged {$16000.00} with a balance owe of {$190.00}. I contacted XXXX and they had no amount that price submitted for XXXX XXXXXXXX which I had in XXXXXXXX XXXX I then contacted United Collection Bureau, XXXX XXXX XXXX. XXXX OH XXXX and ask why I wasn't sent a previous bill stating I owe money and told them, I never was admitted to this hospital in my life. The XXXX XXXX I had done was less than {$5000.00}
Product: Debt collection

Three to four times a day, this company calls from different numbers around the country. I have received calls from Michigan, Nevada, California, Illinois, etc. I have told them that I only communicate in writing and that, if this is a real debt, they need to send a letter to the address they have on file. They will not stop calling and it has become aggressive ; phone calls coming in back to back to back from different numbers. The caller never identifies which company they are calling from until I ask several times. Additionally, calls have come in before and after the appropriate calling times for my state. 

Log of calls 24 hours : XXXX XXXX  -- XXXX, MI XXXX XXXX  -- XXXX XXXX, NV XXXX XXXX XXXX   Washington, DC XXXX XXXX  - XXXX XXXX, CA XXXX XXXX  -- XXXX XXXX, NV Each time they were told that I only communicate in writing. This has been going on for months now. I have advised them that repeated attempts in this manner will result in me alerting the government. They pushed me too far. 

The company is Portfolio Recovery. 

I will no longer be harassed by this company.
Product: Credit reporting or other personal consumer reports

I the consumer XXXX XXXX has highlighted a copy of my consumer report displaying the violation of inaccuracy and incompleted reporting.The dates open are inaccurate/incomplete, Date last reported are inaccurate/incomplete, Date of last payment are inaccurate/incomplete, Payment history are inaccurate/incomplete.Transunion is currently reporting inaccurate, incomplete accounts violating the Fair Credit Reporting Act.XXXX XXXX has many account numbers the accounts are XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX has NEVER disclosed CLEARLY to I XXXX XXXX the consumer that my personal information was going to be shared with a XXXX party by the name of Transunion. This is a form of identity theft and I the consumer XXXX XXXX Never gave permission to XXXX XXXX to share my information to Experian.Violations are listed in this statement XXXX. As stated in 15 U.S CODE 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. As 15 U.S Code 6802 ( b ) Opt out ( XXXX ) In general states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXXAs stated in 15 U.S CODE 1681! ( XXXX ) B contents ( i ) ( a statement that the reinvestigation is completed.
Product: Checking or savings account

On the morning of XX/XX/2021 I noticed my account was overdrawn. Wells Fargo charge me an overdraft fee of {$35.00} even though the balance was available to cover the transaction. 

Order of events : XX/XX/2021, beginning day balance was {$380.00}. 
Two transactions posted ( {$300.00} and {$41.00} ) leaving the posted end of day balance of {$46.00}. 
I was then charged an overdraft fee of {$35.00} for the {$300.00} transactions. 
Leaving the balance of {$11.00} with two PENDING transactions ( {$70.00} and {$38.00} XXXX to be posted the night of XX/XX/2021. 

I reached out to Wells Fargo and was told that fees are charged based on authorizations XXXX and is something they can only see internally XXXX. Consumers are only able to manage their account based on information provided on the app or online. Wells Fargo is charging overdraft fees based on information only they can see and is unfair to consumer because it does not allow time to correct the overdraft. Fees should only be charge on posted transactions that overdraw the account, not authorization that are only privilege to Wells Fargo to see. A consumer can not properly manage their account based on these underhanded practices.
Product: Debt collection

I have disputed with them that the account is not mine. I'm in my 2nd round of disputes currently and they still have provided me an original copy of a bill. Nothing with my signature on it, a copy of my hippa form or anything to prove account is mine. They sent a copy of a document that is not an original bill, proof that have the right to collect this debt and copies of my signature with HIPAA form. They are clearly in violation.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am writing to bring to your attention an issue I have encountered with Navy Federal Credit Union regarding my recent application for a home equity line of credit ( HELOC ). 
On XX/XX/2024, I submitted an application for a HELOC with Navy Federal Credit Union. I supplied all requested documentation promptly as well as paid out of pocket {$1500.00} for the required repairs and appraisal. I believed I met all criteria outlined for approval. However, on XX/XX/XXXX I received a denial letter, according to Navy Federal Credit Union ( unable to verify my residence ). Prior to my application being denied I spoke with XXXX XXXX and she stated the loan for my property would be 10.5 % because they classified it as a rental property because I did not live there full time. I told her that I would accept the terms for that interest rate and asked for the loan amount requested to increase to the maximum. I was required to have Navy Federal Credit Union as the first mortgagee on my home owners insurance which was also done in a timely manner. I was told to appeal the application because I was concerned about decision and why it was denied. The denial letter did not provide sufficient explanation for the decision, which has left me concerned and confused about the process. 
I believe that my financial situation and creditworthiness align with the requirements for a HELOC, as outlined by Navy Federal Credit Union. I have an established income and a positive credit history, which I provided evidence of in my application. I have been a long time customer at NFCU and have had substantial amounts of money in my account. Therefore, I am requesting a review of my application by the Consumer Financial Protection Bureau to ensure that it was evaluated fairly and in accordance with all applicable regulations. 
Enclosed with this letter is a copy of the denial letter from Navy Federal Credit Union. I would appreciate it if the Bureau could investigate this matter and provide guidance on any steps I should take to appeal the decision. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDSTER EXPERIAN, XXXX  AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, XXXX should block and remove these items no later than 4 business days after receiving the required information. I have attached appropriate proof of my identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. Delete and block this information immediately according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, XXXX is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Below are the accounts that NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : 1. Suntrust Bank ( Truist Bank ) with RTN/ACCT # XXXX with closed date of XX/XX/XXXX and original charge off amount of {$340.00}. 
2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Consumer Loan

We paid our car off on XX/XX/2017 Hyundai Finance still has not released the title and every time we call they say they will send an email to the title department.
Product: Debt collection

I entered into a contract with XXXX XXXX XXXX to which a loan contract was agreed to in which they would pay that loan in exchange to use my home as a XXXX XXXX. 
The loan was to be paid by a check paid by XXXX giving me a check for {$1500.00} to pay the {$120.00} into XXXX months and was to be paid XXXX yrs or 60 months which XXXX assured to be paid off. 
I never aware of any loan by Aqua Finance or signed a contract with Aqua Finance. I never consented to an account with XXXX XXXX XXXX. XXXX has closed its office here in XXXX XXXX after moving around to different offices, making it hard to track them down. 
They have XXXX complaints against them with the XXXX and a ( F ) ratingXXXX has vanished. And no longer responding to Emails. All phone numbers are disconnected and are no longer issueing the {$1500.00} checks. I upheld my end of the Bargain and Contract with XXXX and never signed any Loan Agreement with Aqua Finance