23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer complaint narrative I received a letter from the XXXX XXXX on XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/ which The company was ACS. Plus ACS did not show up in court in XXXX  for the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these XXXX XXXX and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them XXXX ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and XXXX isnt named on court papers so they are threatening me and my company. 

What XXXX sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
Product: Mortgage

I paid my mortgage to Chase in the branch on XX/XX/2021. I received an email on XX/XX/2021 that my mortgage payment was due. I went to the branch that I always use and was told that the payment was applied to a car loan that we paid off around a year ago. I was then told that I have to call the chase mortgage number to fix the issue because they couldn't fix it. I called chase mortgage and was told I have to call chase auto finance since the payment was applied to an auto loan. The first time I spoke with chase auto they told me that after 10 business days I would get the check back. It's been 11 business days. I called chase auto again and was told it should have been returned after 3 business day. The representative told me they would " escalate the issue ''. It's been more than 2 weeks and the payment has not been put back in my checking account and they are having trouble locating it. I just want my money back
Product: Credit reporting

I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.
Product: Debt collection

I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$930.00} and {$980.00} dating back from 2012. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX  and the Texas Attorney General 's Office today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent 2 letters asking all credit bureaus to verify collection accounts on my credit report. Is been over 85 days. Sent certified letter to them asking to verify a medical collection that I dont think is mine and a XXXX   collection that is definitely reporting the wrong info.
Product: Debt collection

I reported this issue before to the same CFPB against the city of XXXX XXXX for fraudulent procedures their parking employees use to generate parking tickets as they did with 2 of my vehicles I don't longer own. 
Please refer to my Dispute letter I have against Linebarger Goggan Blair & Sampson it looks they are an Debt collector Attorney as they tried to collect a dispute charge I did it in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted to add funds to the XXXX XXXX, based in New York, and which operates in Washington State, my state of residency. PNC, my bank, denied me access to transfer funds to the XXXX XXXX via the XXXX service. The problem has not been resolved. These are my funds and I have the right to do with them as I wish in a legally compliant manner. I understand the need for security, but at a certain point, my bank should not be the arbiter of risk assessment for my funds. That responsibility lies with me and my money. 

The error I received from XXXX is that " PNC has made a change that prevents you from being able to link your accounts. '' This seems to be a common problem with PNC and third party apps.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

LexisNexis continues to report inaccurate information my name is XXXX XXXX XXXX there should be no other name on my report. My address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX there should be no other address on my report. Delete any other address that is present on my report. 

Remove any numbers listed on my report. My only employer is XXXX XXXX and XXXX XXXXXXXXXXXX XXXX XXXX remove any other employer it is not mine. 

You are required to report accurate information stop requesting my ID and SSN I have attached them to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being ignored. This is the second letter I have written to Experian disputing items and they have failed to respond within 30 days. I did not provide written permission or instructions for the identied accounts to be reported on my consumer report. The identied transactions are not information related to any transactions by me as the consumer. I have been in constant communication with Experian and it's been more than 30 days without them responding to my disputes. According to consumer law, they must remove the disputed items from my consumer report because they have not responded to me within the 30 day time frame allotted by law. The next step is for me to pursue legal remedy if these items are not deleted from my report immediately. ( see attached )
Product: Student loan

I was a cosigner for my daughter 's student loans, with Navient ( who purchased the loans from a different financial institution ). Two loans, amounting to approximately {$10000.00}, and dating back to XXXX. They state that they have been " unable to reach her '' and are demanding repayment be overtaken by me, or they will put these loans into " default '' and potentially attach a lien to my mortgage, take my Social Security or tax refunds. They have influenced my credit score, so much so, that it was XXXX, in XX/XX/XXXX, and is now XXXX. When I told them that I had no idea that this was occurring, they told me that it is MY responsibility to keep " tabs '' on the finances of my 38 year, married daughter, with her own mortgage and tax refunds. I gave them her contact information. They continued to threaten and berate me until I disconnected.
Product: Mortgage

I wanted to report XXXX XXXX with Navy Federal. I stated to bank staff ( XXXX XXXX ) today that I no longer wanted staff to contact my job. XXXX XXXX XXXX emailed my job again afterwards. My HR department cc 'd me on an email reply. Prior to that, Navy Federal denied my mortgage loan application because they failed to ask about or understand that I worked remotely. My application was handeled in a very incompetent manner. The bank first approved me then denied me. XXXX constantly emailed my XXXX XXXX to ask about my duty location with intentions to deny me. My salary and work was already proved with my paystubs. I thought I signed something allowing the bank to verify my income and proof of employment only. XXXX sent childish emails with smiley faces and random ( she/her ) pronouns in the email signature. The email signature also listed a different company even though XXXX 's email is XXXX. Navy Federal staff appear young, childish and unprofessional. I wish for XXXX to be removed from my account and private ingormation completely.
Product: Mortgage

I called and asked XXXX XXXX when I was in forbearance due to XXXX. They gave me those dates which was XXXX of XXXX to XXXX of XXXX. I then let them know that they were reporting that on my credit report as late payments which is illegal these payments can not be reported that way because I was in forbearance due to XXXX. They told me that it was not being reported that way I let them know it was I could send them a copy of my credit report. They said they would make a case and have it taken care of this was XXXX  months ago at least. It is not changed I have since tried disputing the late payments on XXXX but every time I dispute it XXXX lets me know that land home financial is coming back and saying that it is correct information and they're not misreporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX  Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my XXXX   Transunion and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR TransUnion 1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my XXXX   Transunion and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX OF XXXX - XXXX 2. XXXX CARD - XXXX 3. XXXX OF XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX OF XXXX - XXXX 6. XXXX OF XXXX - XXXX
Product: Debt collection

I have constantly contacted this company for validation of this debt. 
I never received any documentation from them proving that this is mine. 
Ive never received correspondence from them either. 
Im not even sure how this ended up on my credit report without my knowledge of this in the first place. 

Also I do believe a medical file being sold to a collection agency is in violation of the hippa law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been charging me a subscription fee for XXXX  years and I can not access and have been locked out of my account. I can not use Transunion and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/14 arounXXXX XXXX XXXX XXXX XXXXXXXX XXXX realized my debit card was missing and there were unrecognized 3 charges totaling XXXX from my TD debit card account. I immediately went to TD banl closed the account and disputed the charges, however my claim was denied. I opened a second dispute this time with evidence of security footage from the smoke shop the nuathrized charg was made, employee witnesses, and police report that a man was seen using my card using XXXX XXXX  where a pin is not needed using my debit card. However my claim was denied again. It is apparent that TD bank is not taking throughly investigating my claims and not taking any of my evidence into consideration which is negligence on their part considering I am a protected customer against fraud. TD bank has also not given a descriptive detail as to why my claims keep getting denied. Please help me come to a resolution as I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are six ( 6 ) financial institutions on my Credit Report that have done, all dated XXXX XXXX, 2017, HARD INQUIRIES. They are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I did not authorize them. I only authorized XXXX XXXX to do the Hard Inquiry.
Product: Debt collection

I have sent this company a cease and desist letter and this company has refused to adhere to the Federal Guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency trying to illegally collect a debt when they are not legally licensed or registered and or insured to collect debts in the state of Pennsylvania per the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. 
This is about my paypal account : It is just a weeks old and last day i receive a very first payment for my online job and then after a few days my account is permanently banned. it is very obvious that it is just a bot that banned my account. I am so disappointed what happen because it is my way of supporting my kids. Now my business was stopped, how I can I continue to support them. I am asking ang begging to please help me to restore my account : My Paypal account : XXXX Hoping for your support regarding this matter. I hope you can help me. 
Thank you very much and bless. 

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

Transworld Systems popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

XXXX XXXX popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.
Product: Checking or savings account

I told you my credit was frozen and I couldnt do anything until Wells Fargo reported or changed open accounts!!!!!!!!!!!!!!!!!!! 


The cunsuy finiance XXXX is covering this up, Ive tried to respond, your website dispatched my response, Your a bunch of criminals!!!!!!! 


I have received no real coverage of what I lost by Wells Fargo or the agency supposed to respond to this, Look when I tried to clear this off my credit history, it showed Wells Fargo had opened accounts under my name, when all accounts were to be closed affecting my credit, And I am asking for XXXX ) $ To restore my credit, if not How do you not see that I am a valid complaint!!!!! XXXX But instead I have both Wells Fargo and the government agency saying NO So your a bunch of criminals!!!! XXXX XXXX see Im right!!! XXXX XXXX XXXX XXXX/XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX I requested a deficiency notice letter advising how the sales of the repossession proceeds of the XXXX XXXX XXXX I financed through GM Financial were applied to my debt. GM Financial failed to send the letter or advise me any information regarding the final sale of the vehicle but they updated my credit bureau with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. XXXX and Experian have ignored me in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries from XXXX XXXX on my credit report for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. 

Also there should be no security freeze, fraud alert, or any type of similar security measure on my credit report. Remove everything that will freeze or delay a credit application being accepted. 

I have let Equifax know but they have not removed them, instead they sent me info to send in my proof of social and address. 

I did this and still nothing happened.
Product: Checking or savings account

Funds were taken out of my account due to overdraft fees and funds being low. They took money out of deposits.
Product: Mortgage

On or about XX/XX/2024 i received a letter from Dovenmuehle telling me that there is a refund due me for {$1700.00} and if i dont respond within XXXX  days the money will go to the state. On the same day that i received the letter i faxed them the signed document the day i recieved it. 

I have called almost XXXX times asking when the money will be mailed and each time i was told it will be sent within a week. As of today no money was received. When i called yet again today and said i will file a complaint the company rep hung on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX