23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX  ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested them to provide proof within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over 2 years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding an account that your company charged off and reported to the credit bureaus. The account in question is as follows : Account Number : XXXX Under IRS guidelines, when a debt is charged off and considered canceled or forgiven, a Form XXXX ( Cancellation of Debt ) is typically issued to the debtor to report the cancellation as potential taxable income. To date, I have not received a Form XXXX for this charged-off account, which raises concerns about the legitimacy and completeness of your reporting. 
By failing to issue a XXXX, you have not complied with your obligations to notify me of any potential tax implications or the discharge of this debt. As such, the continued reporting of this account as a valid debt on my credit report is inaccurate and unjust.

I respectfully request that you : 1. Remove this account from my credit report with all credit bureaus immediately.

2. Provide me with written confirmation of the removal.

Failure to resolve this matter promptly may leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal remedies to address the inaccurate reporting. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receiving this letter. Please send any correspondence to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and the equifax data breach .The account does not belong to me and I have no knowledge of this account .15USC 1681b XXXX
Product: Credit reporting or other personal consumer reports

I always made sure that I paid on time, why there is a mistake in my credit report?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that XXXX the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
Product: Money transfer, virtual currency, or money service

CITIBANK is holding my XXXX XXXXXXXX and haven't returned my wire that they voided. 

CITIBANK cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with XXXX and CITIBANK respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE XXXX OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, CITIBANK GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to XXXX and XXXX is not able to refund the money back to my account. Its been over a month and CITIBANK employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least 6 hours calling and following up with XXXX and most of their employees are giving me different answers. Its either XXXX is not doing their job properly with CITI bank, or CITI employees are not doing their job. It should have been an easy fix since the wire was void in the first place.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

Never was given an alternative to repay my loans in the beginning. Was forced to max out my forebearance. My loan amounts went from XXXX to over XXXX.
Product: Student loan

I have tried repeatedly to resolve this issue with Navient 's customer service and they have been extremely unhelpful. I refinanced my student loans and on XX/XX/2018, XXXX XXXX XXXX sent Navient a payoff on my behalf in the amount {$45000.00}. This payment cleared their bank onXX/XX/2018but still has not posted to my account. I contacted Navient several times by phone and was told to " just wait '' until the payment posted. Finally, on XX/XX/XXXX, I was told Navient would need proof of payment before they would begin a check research. I contacted XXXX XXXX XXXX who was gracious enough do a conference call with myself and a Navient representative ( because Navient would not speak with them without me on the line ) and XXXX was given a fax number to send in the proof of payment. I also uploaded this proof of payment onto my Navient online account on XX/XX/XXXX and was told the research would be completed by the end of the month. I have called several times since then to check the status of my research request and no update can be provided. My student loans are now showing past due and I should not have to pay more money when my account with Navient should have been paid off a month ago.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I file letters to XXXX, XXXX, and XXXX To remove bad information from my credit report within 30 days I received letters back that the information that they had was verified by LexisNexis. LexisNexis has no right to this information. On Letters XX/XX/2023, I sent out letters to Lexis Nexis to remove my personal formation from their systems. Because they have violated upon my consumer rights to privacy. 15 USC 1681 ( a ) ( 4 ) Violation Upon a Consumers right to privacy. CCPA Rights Right, to Limit the Use or Disclosure of Sensitive Personal Information You have the right to limit the use or disclosure of your sensitive personal information. Sensitive personal information may include but is not limited to information such as your social security number, drivers license number, state identification card, passport number, financial account information, or precise geolocation. A request to limit the use or disclosure of your sensitive personal information will prohibit your sensitive personal information from being used or disclosed except for certain uses provided by law, including but not limited to : Detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions, and to help prosecute those responsible for such actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is a screenshot where I put my name and last 6 of my SSN and was notified I was a victim of this incident.

Best regards
Product: Debt collection

Upon disputing the information with the creditor, XXXX XXXX XXXX, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor. 
Account Information : -Account Name : XXXX XXXX XXXX XXXX Number : XXXX -Date Opened : XX/XX/year> I am troubled by the fact that XXXX XXXX XXXX XXXX can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus. 
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency. 
Given the uncertainty and potential for inaccuracies in the information provided by XXXX XXXX XXXX, I urge TransUnion to conduct an independent and thorough investigation into this matter. It is imperative that the credit report accurately reflects my financial history, and the reporting of late payments that have been resolved must be corrected promptly.
Product: Checking or savings account

Subject : Request for Reopening of XXXX XXXX XXXX and Account Update Dear [ Recipient 's Name ], I am writing to formally request the reopening and thorough reassessment of my pending XXXX dispute claims associated with my account. My name is XXXX XXXX, and my case number is XXXX. 

I am currently facing significant challenges in obtaining status updates for my XXXX dispute claim XXXX and another dispute under claim number XXXX. Customer support at XXXX has indicated that they can not assist due to the closure of my savings and checking accounts, which I find to be unwarranted under these circumstances. 

I previously submitted all necessary documentation about my XXXX dispute claims XXXX and XXXX in-person. I would like to confirm whether these claims have been reopened for further investigation. If they are still closed, I kindly request that they be reactivated. 

Particularly regarding the {$200.00} transaction ( Transaction ID : XXXX ), I urge immediate investigation to facilitate the recovery of these funds. Additionally, I require an update on the claims concerning the {$800.00} ( Transaction ID : XXXX ) and {$60.00} ( Transaction ID : XXXX  ) transactions. If claims for these two transactions have not yet been filed, I request their submission under the " service not received '' category, with the goal of recovering these amounts into my checking account. 

When attempting to initiate an update or appeal at my local branch, I encountered obstacles with Branch XXXX XXXX XXXX at M & T Bank, located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. His contact number is ( XXXX ) XXXX and his email is XXXX. Unfortunately, he was unable to provide assistance in this matter. 

I insist that all claims for the transactions of {$200.00}, {$800.00}, and {$60.00} be reopened for reassessment in accordance with applicable banking regulations. 

Additionally, I have not yet received the {$100.00} credit associated with the new account promotion, despite having met the required {$500.00} direct deposit prior to the closure of my accounts. I am requesting that this amount, along with a total of {$1100.00} in credits, be mailed to my address : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

For reference purposes, my checking account number is XXXX and my savings account number is XXXX. Please feel free to reach me via email at XXXX or by phone at XXXX for any further clarification or updates. 

Thank you for your prompt attention to this matter. 

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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX
Product: Mortgage

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX, XXXX Ga XXXX.This house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this loan with XXXX, XXXX. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case .Spouses BRC XXXX US FED BRC XXXX  DISTRICT OF GA. XXXX XXXX  , ACCT NUMB XXXX XXXX FOR YEARS XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

creditwise  report on XXXX a closed account XXXX derogatory this is not on my credit report / XXXX  XXXX XXXX on XXXX XXXX delinquent account from XXXX this account has been closed and is not on my credit report it has been removed I DIDNOT FIND THIS INFOR IN MY CREDIT REPORT I WOULD LIKE THEM TO NOT BE APART OF CREDIT WISE AT ALL THAY R NOT REPORTING THE REAL CREDIT I WILL BE FILLING A COMPLAINT /XXXX XXXX XXXX = {$230.00} THIS IS NOT A PART OF MY CREDIT REPORT ( XXXX ) XXXX THIS IS A FAKE CHARGE XXXX XXXX = {$250.00} DEROGATORY ACCOUNT NO XXXX I DO NOT HAVE THIS COLLECTION ON MY CREDIT REPORT AT ALL STOP SHOWING THIS XXXX = DELINQUENT ACCOUNT XXXX XXXX FROM XXXX {$560.00} IS ACCOUNT IS NOT DELINQUENT ( XXXX ) XXXX PLEASE CALL GET THIS OFF MY CREDIT ACCOUNT CREDIT WISE IS A BAD REPORTING I WOULD LIKE IT TO STOP STOP, STOP
Product: Checking or savings account

A total of {$3800.00} dollars was taken out of my account in the forms of XXXX XXXX   and XXXX XXXX while I was going through an identity theft period. I filed a police report, I filed an FTC identity theft report and reported it to my bank to get my money back. They told me theyll take up ton10 days to investigate and then issue me a temporary credit while they investigate. Bank of America took all 10 days and then emailed me in the middle of the night that they claim couldnt be resolved bc the  charges were authorized, my phone was stolen, MY IDENTITY WAS STOLEN, so of course it looked like me. I have since then deleted all of me email account and social accounts and reset all passwords and phone and did all I could on my end. What more did I need to do. I reported it to all the correct agencies. I just want my money bank at this point so I can switch to a credit union that better serves its customers. My FTC identity report number is XXXX.
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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX ; XXXX Date of Inquiry : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax yesterday concerning multiple disputes that were mailed in, phone calls to the company, and CFPB complaints concerning unauthorized hard inquiries on my Equifax report. I was told that they never received my complaint with my identity theft affidavit attached. ( How is that when they've responded to it? Complaint # XXXX for reference ) I've also mailed this dispute with the affidavit to Equifax. ( Twice ) I am still getting the same response. This issue has been going on for more than 60 days. The company responded on XX/XX/XXXX stating that they've completed an investigation, including contacting the furnisher of the information. This complaint also has the affidavit attached. I've been asked to send in this affidavit again in order to have these inquiries removed. 
-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

An unexpected transaction debited my account on XX/XX/XXXX and caused my account to overdraft. Luckily, I had payment into the account the next day which covered the overdraft. I never received a notice that my account would be charged a fee or that it overdrafted. They have my email, phone number, and address. I logged in on XX/XX/XXXX to online banking and no fee had been charged to the account. I then initiated a transfer from Comerica from an external bank for most of my remaining balance. On XX/XX/XXXX I received a letter that my account had charged a {$34.00} fee for overdrafting. I logged on and found that they did in fact charge me an overdraft fee after hours on XX/XX/XXXX which lead to my next withdrawal to also overdraft. I immediately sent a secure message explaining the situation and requesting my overdrafts be waived, deposited a check to cover the overdraft amount, and initiated an ACH transfer into the account. Comerica took 2 business days to process my check which lead to them charging 3 {$6.00} fees for my account staying overdraft until my ACH transfer arrived. Comerica had disabled my XXXXXXXX ability for being unable to verify my identity and I do not currently have an atm or debit card. There was no way for me to bring my account to positive and avoid those fees. Comerica responded that they do not waive overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information to company as requested but no update has been done.
Product: Student loan

I attended XXXX XXXX University XXXX XXXX XXXX, NJ XXXX for XXXX school and the only lender that you were allowed to borrow from was XXXX XXXX, now Navient. Since repayment started in 2007, I have paid {$31000.00} of which {$5700.00} has been applied to the principal. That means {$25000.00} or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt.