23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have worked for 15 years in XXXX XXXX XXXX  in both XXXX and CT. I have applied to have the loan forgiven on numerous occasions as I have also worked for XXXX XXXX XXXX   XXXX which would qualify me for immediate forgiveness of the loans. 
I was forgiven {$2500.00} more than 3 years ago and was told I needed to wait several more years to apply again for forgiveness. I currently owe a total of {$25000.00} between my XXXX and XXXX studies. I continue to work for a XXXX  XXXX XXXX  XXXX  and applied a few months ago again. I have not heard back from the loan company at all again at this point.
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 accounts 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

There were fraudulent charges on our account. We would not pay the charges until we received statements. They were using the wrong address which was also fraud. We argued that this was all fraud. They agreed that some of it was but the other fees were our annual renewal fee. We spent hours on the phone on multiple occasions and kept getting transferred. Every time we go transferred the employee would tell us we owe a different amount. We finally came to an agreement that we owed some of the money and paid {$380.00}, Then we tried to buy a house and found our credit scores were way down because of Citibank. This all started from fraud and we should not be punished for fraud. We have been good customers for years and you have been terrible through this process. I want this resolved and removed from our credit. Thanks
Product: Debt collection

My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Acceptance Corporation for committing aggravated identity theft. I have never given Credit Acceptance Corporation any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt that claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e12.

I have never received any documentation requesting validation from Credit Acceptance Corporation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to, 15 U.S. Code 1692d4 which the FTC defines as debt parking. If Credit Acceptance can not provide me with proof such as a tracking number that they attempted to lawfully validate this debt with me, the consumer, prior to furnishing it to my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Acceptance Corporation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Acceptance continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Your prompt attention and response are both requested and required. 

XXXX : XXXX XXXX XXXX XXXX Without Prejudice. All Natural Inalienable Rights Reserved
Product: Credit card

I went to use my Lowes credit card and found it had been closed by Synchrony Bank without any notice. They said they sent a letter to me but I have not received any such letter. I was told they closed it because of lack of real estate information on my credit report, balances on my XXXX cards high even though I am paying my cards on time. I have bought and sold real estate the past XXXX  years and I dont know why it isnt reported on my credit report. I own a home that does not have a mortgage on it. Based on the Credit Card Act of 2009, Synchrony Bank did not give me XXXX  days notice of closure of my account. Can you help me please? 

Thank you! 
XXXX XXXX XXXX
Product: Credit reporting

I applied for an apartment at XXXX XXXX Apartments in XXXX on XXXX XXXX, 2014 and had to pay XXXX dollars applications fee to run a consumer credit report to include criminal background check to check if I had any felonies. XXXX XXXX conducted the investigation utilizing information that was provided by XXXX XXXX. XXXX XXXX provided the information to the leasing office at XXXX XXXX Apartments that led to me being denied. I asked why I was denied was told that it was because of a felony on my criminal background report. I lost my XXXX and did not get the apartment. I asked for a copy of the information from the background check and discovered that the information that was reported was past the 7 years from my last criminal disposition which is a violation of XXXX XXXX ( XXXX ) ( e ) - Reporting of information prohibited No consumer reporting agency shall make any consumer report containing any of the following items of information : ( e ) Records of arrest, indictment or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years. Exception : If the salary of an individual equals or is reasonable expected to equal {$75000.00} or more, the 7-year restriction does not apply.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$7600.00} ; DEPT OF XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX XXXX/XXXX  XXXX XXXX  act # XXXX with XXXX, Experian and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX  XXXX/XXXX XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX  XXXX  account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account name ( XXXX 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 602 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Carrington Mortgage Services Research dpt. 
XXXX XXXX XXXX XXXX, CA XXXX:XXXX XXXX : XXXX name is XXXX XXXX I was the customer for this loan. I refinanced my home on XXXX. The new loan funded on XXXX/XXXX/15. I have included copies of my XXXX/XXXX/15 statement from Carrington Mortgage and the HUD from the closing showing exactly what was paid to Carrington Morgage. I received a check for the amount of XXXX on XXXX/XXXX/15 dated XXXX/XXXX/15 for my escrow. However the escrow from the statement ( enclosed ) shows {$1100.00}. In addition there was XXXX added to that in the XXXX payment for a total of XXXX. I would like to know what happened to the ballance of my escrow? What account is there for the XXXX left in escrow? 

I have called and spoken to personel at your facility. Nobody gave me a name. I feel obligated to forward this to the Attorney general and the Department of Housing/urban Development. I expect to hear from a representative of Carrington Mortgage by XXXX XXXX/XXXX/15
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Money transfer, virtual currency, or money service

Hello I was shock and confusing about what happen .I open my PayPal account XXXX I'm confusing until now of what happen in my account because I didn't receive any review.and permanently limiting in my account.dated in XXXX XXXX I request for restoring in my account..thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90. 3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Last 4 digits of SSN : XXXX To Whom It May Concern, I am reaching out to address a matter of utmost concern related to my recent credit report. Upon a thorough review, I discovered unauthorized credit inquiries made by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to explicitly state that I did not grant permission to any individuals or representatives from these organizations to access my credit report. This situation raises serious concerns as it represents a clear violation of the Fair Credit Reporting Act, particularly under Section 1681b ( c ), and is a significant infringement on my privacy rights.

I kindly request that you initiate a thorough investigation into these inquiries. I expect you to contact these companies and obtain any documentation related to these inquiries that bears my signature or authorization. In the absence of such conclusive documentation proving my consent, I formally request the immediate removal of these fraudulent inquiries from the credit file associated with my social security number.

Please be reminded of your legal obligation to complete this investigation within 30 days, as stipulated by the Fair Credit Reporting Act, Section 611.

You can reach me using the following contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I anticipate a swift resolution and a timely response. 

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

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I GOT A REFUND OF {$2400.00} FROM XXXX XXXX  XXXX   SINCE XXXX OF XX/XX/2020 TO MY ACCOUNT IN CHASE BANK WITH ACCOUNT NUMBER XXXX, ALL EFFORT TO COLLECT MY FUNDS HAS BEEN IMPOSSIBLE AND THEY CLOSED MY ACCOUNT AND REFUSED TO RELEASE THE FUNDS TO ME,
Product: Money transfer, virtual currency, or money service

Had a request payment for {$890.00} to a party with only an email address.Believe PayPal would have paid the transaction if the account had enough funds to cover transaction.
Product: Credit reporting or other personal consumer reports

XXXX  credit report reflects a negative account that has been settled, paid and closed. This account is too old to remain in my credit. I have tried to have this removed in several instances however the company has not resolved the issue.
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax data breach and inaccurate information needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Through XXXX, Experian and XXXX this agency has not verified I approved their transaction for auto loan XXXX XXXX XXXX was orginal credititor.See Bellow- This file was removed and reappeared. It is over 7 yrs of age. Also, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. Account Original creditor XXXX XXXX XXXX Account number XXXX. REMOVE IMMEDIATELY .... I will sue all 3 Credit bureau agencies, XXXX XXXX XXXX and XXXX XXXX
Product: Checking or savings account

ON XXXX @ XXXX XXXX  I deposit XXXX XXXX dollars into a checking account and XXXX XXXX XXXX into a XXXX XXXX savings account. 
At Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX I recieved XXXX in interest XX/XX/XXXX a collection XXXX XXXX XXXX A XXXX of XXXX was withdrawn on XX/XX/XXXX a XXXX monthly fee for low balance was charged to my savings account. XX/XX/XXXX a check for XXXX no check number was withdrawn from my savings account which I did not write never used checks in over XXXX  years. These transactions happened XX/XX/XXXX XXXX was transfred to my checking account ending in XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX a total of XXXX in withdrawals was moved to checking ending in XXXX then on XX/XX/XXXX charges of XXXX in monthly low balance fee was charged XX/XX/XXXX XXXX in excess activity fee was also charged. Then I notice a lot of other unauthorized Transactions and filed a claim on XX/XX/XXXX Claim ID XXXX at the XXXX location. Then shortly after all my money was gone the person that open my account at the XXXX location quit his job at the bank I suspect a lot of people quit Regions around the same time this took more then XXXX person to pull off. Why do someone quit their job right before a pandemic shut down?. I tried talking to someone at Regions Bank on XX/XX/XXXX about this they said again I was told someone will call me by the end of the week still waiting on that call my claim was never address still waiting on that. I am in Sock that during all this excessive activity no one called me to say is everything okay? are you really making all these transactions? nothing and a check order was placed on my checking account that I did not request online banking was set up at the banking center I did not authorized. Please help me I suffer with XXXX  and XXXX and to type this is taking a lot of effort. 
Thank you! 
Also on XX/XX/XXXX Bank Debit for XXXX XX/XX/XXXX XXXX XX/XX/XXXX bank Debit XXXX XX/XX/XXXX transfer to account ending XXXX total of XXXX my life savings is gone. Please Help me. Also nothing was mailed out statements closing paperwork when they closed my account withdrawals concern nothing thats why I know it took more then one person to pull this off.
Product: Debt collection

I paid a debt to XXXX XXXX XXXX in XXXX of 2017. 6 months later in XXXX they reopened the previously close and paid in full debt and now it's at {$100.00}. I do not owe this and it is affecting my credit rating. I am making this complaint and will hope they take it off my credit report. This still impacts my credit rating and my overall financial health. I was supposed to be building my credit rating to buy a house. Now I've been sabotaged!
Product: Vehicle loan or lease

The vehicle was paid off and we provided the dealership proof of payoff and odometer statement. The warranties we had on the vehicle were to be refunded and prorated to {$3200.00}. The check was mailed to USBANK and they cashed it on XX/XX/2023. The issue is the vehicle was already paid off yet USBANK is attempting to keep our warranty money. At first USbanks agents told us over the phone that they never received a check from XXXX XXXX XXXX dealership, but we emailed XXXX XXXX proof from the dealership that the check is paid off in XXXX. Its been from XX/XX/XXXX when the dealership sent the check to USBANK to then send to us, yet we still do not have our warranty money back. USBANK never calls us back or helps. Im frustrated and feel theyre trying to pocket my {$3200.00}.
Product: Debt collection

Ally Lending is not honoring the COVID 19 relief HCS Loans had by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, Ally Lending required the account current to become current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID 19 RELIEF
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer account listed XXXX XXXX XXXX Account # : XXXX. There is several inconsistencies listed among the reporting agencies listed below. Furthermore, federal law states any consumer account with a balance over a {$1.00} is due to the consumer therefore the account can not be in collections or charged off.

Once an acount is charged off it is considered income and can not be reported per the IRS.

- If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entires of the account from the date of account opening as described in Publication IRS 583.

Account Type - Detail : Credit Card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.