23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX called from Navient on XXXX/XXXX/15 at XXXX XXXX, regarding a client, XXXX XXXX, who has an outstanding student loan. I know XXXX XXXX, however, but in no way associated with this loan. XXXX XXXX has contacted me on my cell phone, called members of my family and friends releasing confidential information about XXXX XXXX ' debt. He gave this contact number XXXX. I called him back, however, he refuses to answer his phone. At XXXX time, he picked up the receiver and placed it on the desk. I could hear voices talking on the phone. This has to stop and I will start with placing a complaint.
Product: Debt collection

Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX, I dispute the validity of this debt due to the fact that I filed for Chapter XXXX bankruptcy. This is clearly evident on all of my credit reports with the major credit reporting repositories.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX visa/XXXX  XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times
Product: Credit reporting

My identity was recently stolen. The fraudsters have attempted to open a number of credit accounts with retail establishments such as XXXX, XXXX, XXXX, XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the account type wrong. 

They are reporting the account type as a collection when it is supposed to be medical debt Collection is a condition or a status, not account type I verified this by looking at Experians own glossary! 

They are breaking the law again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to use rocket mortgage, a product of quicken loans. 
This resulted in a hard inquiry on my credit report. 

The information I provided resulted in quicken loans offering me a loan for a {$5000.00} home. 

The results were ridiculous and have I known the results were going to be a joke, I would not have used the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX  credit file and find that my personal information was breached.
Product: Money transfer, virtual currency, or money service

I am writing to formally demand the immediate release of {$26000.00} that PayPal is fraudulently withholding from my company, XXXX XXXX, associated with the email XXXX. These funds are directly tied to services that have been fully rendered to customers, and there is absolutely no justification for the continued withholding of this substantial amount. 

PayPals refusal to release these funds is causing severe harm to our business and the livelihood of our employees, who rely on these payments to sustain themselves. This withholding is not only damaging the financial health of our company but is also an unconscionable breach of trust, as PayPal appears to be exploiting our funds for its own gain. 

I am confident that PayPal has accumulated interest on the withheld funds and has likely loaned or used these funds for its own benefit while unlawfully preventing access to what rightfully belongs to XXXX XXXX. These actions are unacceptable, unethical, and potentially illegal. The delay in releasing our funds is fraudulent and clearly demonstrates bad faith on XXXX part. 

I demand that the full amount of {$26000.00} be released immediately. Failure to do so will leave us with no choice but to pursue all available legal remedies to recover the funds and hold PayPal accountable for the financial harm and damages caused.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

I have hard inquiries on my report that I do not regconize! The only one i regconize is the one from XXXX and thats where I purchased my vehicle from, the rest were not authorized by me.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiries Dear Captial One, I am writing to formally dispute certain inquiries listed on my credit report. Upon reviewing my report, I noticed an inquiry from Capital One dated XXXX and XXXX that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my credit report. Please investigate this matter and remove the unauthorized inquiries from my record. 

Enclosed are copies of my credit report highlighting the inquiries in question. I would appreciate your prompt attention to this matter and a written response confirming the outcome of your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I have contacted Westlake portfolio management on multiple occasions I sent ftc reports to the credit bureaus and all. I told them can I get a contract where it say I signed with them. Every phone call is recorded so yesterday on my 5/6 time calling for an update the guy stated we dont have to send you anything only the credit bureaus. They keep stating a car from us auto sales and how they took over their accounts. This has been all over the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted EQUIFAX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX  card by recommendation from credit building program called XXXX credit in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the metropolitan police and Identitytheft.gov I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.
Product: Student loan

I am filing this complaint due to the lack of proper loan verification and failure to provide requested documentation by AidVantage. 

In the summer of XXXX, I began receiving letters from AidVantage stating that I owe approximately {$23000.00}. I have not taken out any student loans in over seven years, and to the best of my knowledge, all previous student loan debt had been fully repaid. 

On XX/XX/XXXX, I contacted AidVantage to request verification of the loan, including a copy of the Master Promissory Note, as well as documentation of any prior attempts to contact me before XXXX. I was informed by the representative that, if available, the requested documents would be mailed by XX/XX/XXXX and should arrive within XXXX business days, by XX/XX/XXXX. However, despite these assurances, I have not received any of the requested information. It has been over 60 days since that request. 

AidVantage has claimed that they left messages in my online AidVantage portal since XXXX. However, I did not create a portal until XX/XX/XXXX, when I began receiving paper notices and started investigating the matter. 

It has now been over 60 days since I submitted my request, and AidVantage has not provided any documentation verifying that I took out these loans or any proof of communication prior to XXXX. 

I am seeking assistance in resolving this issue and request that AidVantage provide the appropriate documentation or cease their attempts to collect this debt.
Product: Credit reporting or other personal consumer reports

The errors on my report are doing real harm to my financial health and future opportunities. Ive worked hard to maintain good standing, yet my score is being dragged down by mistakes I didnt create. Its frustrating and unfair to be penalized in this way.
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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Tryed resolving problem over the phone with no success. Fees charged. And disputes filed resulting in my business account being closed. And owing wells Fargo over XXXX dollars.
Product: Credit card

I alerted FNBO on or about XXXX about filing a dispute about a charge from XXXX XXXX They were in breach of contract when providing personal training services. I notified the credit card company that I would like them to investigate and reverse the charge because I did not receive the agreed services. They took approximately three months to follow up, requesting information I had already sent them two months prior. 
I called on or about XXXX to follow up on the status. The agent could not provide any details or progress on the requested information. I have noticed that XXXX charged three additional charges for the same amount I am disputing. 

Seemingly, they have not prioritized this, and nearly XXXX months later, they are dragging their feet to decide on this complaint. I requested a call back from an investigator, but to this date, I have heard nothing.

It is my understanding that they have 90 days to make a decision, which has already passed. I would like them to clear my account of any charges from XXXX XXXX and credit the incurred interest charges that have resulted. I have never been late on payment to this company despite their inefficiencies.
Product: Mortgage

I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. 
In XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hired a lawyer, big mistake. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for s different reason that time, too many assets. So I decided to start making payments 1. In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks.Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? 
When I finally got the printout it does not have a running total of interest or total due other then principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so XXXX up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. 
The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. 

I am 5 months from XXXX and not in the best of health and will not loose my home. I feel they want to foreclose because I have over a XXXX in equity. I had hoped they would show my last 12 moths of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Experian for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. I insist that you immediately remove these fraudulent accounts from my credit report and provide written confirmation of its removal. Failure to do so will result in further action being taken against your bureau for negligence and misconduct. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX. XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX called me at work. I instructed him not to call me at work and to instead contact me by email. 

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX called me at work again. Rather than leave a voicemail, he left a message with a coworker. 

I have not received any correspondence from XXXX XXXX or XXXX XXXX XXXX via postal mail.
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.

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 antedat
es 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: Credit reporting, credit repair services, or other personal consumer reports

I pled to have the XXXX days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were XXXX  days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the Covid crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the XXXX  days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my credit score. This negative impact on my credit score, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get Navient to resolve this matter. I was told theres nothing they can do.
Product: Debt collection

Allied Collection Services on behalf of a XXXX XXXX ( single individual person ) is claiming I owe their client {$3100.00}. I have never owed this person this amount of money. I have requested to prove that this account belongs to me, by sending Allied Collection Service via U.S. Postal Mail Return Receipt correspondence requesting a original contract and/or an Agreement etc. stating how and what I owe this person for and to date they have ignored my request. Not to mention, they have not ever sent me correspondence allowing me to respond to their claim, it just suddenly appeared on my credit profiles out of nowhere. 

I have tried to contact Allied and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax which was received by their company on XX/XX/2019 for the following : XXXX XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXX {$150.00} and onXX/XX/2019 : Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00} I was informed by telephone that these were all " verified ''. However, as of XX/XX/XXXX I have yet to receive any written documentation of this " verification '' though I have requested it. 

I have re-submitted a dispute for the above four accounts to Equifax to supply me with documentation that these collections belong to me or to delete them from my credit report. Note that I've also since submitted another dispute that is en route to Equifax : ( XXXX XXXX XXXX XXXX {$1800.00} ) These same disputes were submitted to XXXX and XXXX and were deleted from my credit reports ( see documentation ). I am requesting that all these erroneous account be deleted from my Equifax credit report as well. 

They don't seem responsive to my requests. Their online dispute status website does not work and telephone calls to their representatives are difficult due to language and cultural barriers.