23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, This is now my third request for National Credit Systems , Inc. to stop reporting information to the credit bureau regarding this alleged debt. I have already submitted documents in my initial complaint, and I do not see my signature on any of the documents provided by your company. 

As XXXX XXXX ( formerly XXXX XXXX ), I confirm that I have never conducted any business with National Credit Systems, nor have I authorized the use of my personal information for this purpose. This continued action is unauthorized, and if it persists, I will have no choice but to pursue legal action. 

Please consider this a formal demand to cease all reporting to the credit bureau immediately. Any further unauthorized use of my personal information will be addressed in a legal forum. 

Thank you for your immediate attention to this matter. 

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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I owe {$7900.00} to Capital One. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. Capital One company contacted an attorney who filed a lawsuit. The, attorney, XXXX, XXXX, XXXX XXXX XXXX, XXXX, operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted Capital One and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a Capital One Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same Capital One Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.
Product: Checking or savings account

I opened a new online saving account with Discover Bank. They froze my account based on unusual activity the. Required I call their security number which I have now tried every day and waited multiple hours each time to NEVER get through. I still have no access to my funds or any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian/ XXXX and did a dispute for a bankruptcy that was reporting in my public records, the bankruptcy is labeled as dismissed for XX/XX/XXXX case XXXX, WHEN THIS CASE WAS NOT DISMISSED IT WAS CLOSED WITHOUT A DISCHARGE. I MAILED THE INFORMATION IN AND IT WAS IGNORED BY EXPERIAN. STATING THAT THE INFORMATION WAS VERIFIED AS ACCURATE, BUT IF IT WAS VERIFIED THEY WOULD HAVE SEEN IT WAS NOT DISMISSED IT WAS CLOSED, DUE TO I HAD JUST RECEIVED A XXXX  XXXX DISCHARGE IN XXXX WHICH THAT IS REPORTING CORRECTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has been reporting on my TRANSUNION credit report since XX/XX/2018. I have never done any business with this company. I dont know who this company is. I need this inquiry completely deleted from my credit report immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} credit limit {$1800.00} Balance {$180.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX {$200.00} Credit Limit {$300.00} XXXX {$870.00} XXXX Finance current XX/XX/XXXX credit limit {$2500.00} Balance {$10.00} XXXX Account XXXX  Recovery XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX Account XXXX XXXX System open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX Account/ XXXX  Account System, XXXX XXXX  XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXX Account XXXX Account XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXX Account XXXX  Univers open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXX Account XXXX Star Credit open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section States : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( 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 or other personal consumer reports

My request for an investigation into these accounts stems from inaccuracies in my credit report. Efforts to reach the creditor for account management and removal have been undertaken, aligning with FCRA 605B 's requirement to eliminate incorrect accounts from a consumer 's credit report. Swift resolution is essential.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed several items that I feel compelled to dispute. This situation has caused me considerable distress, and I believe it warrants a fair and prompt resolution, which has not yet been provided. The accounts in question involve a transaction that clearly falls under the EXCLUSION section of the FCRAs definitions. Additionally, these were reported without my written consent, pointing to potential identity theft, as defined by the Federal Trade Commission.

I strongly believe these accounts should be deleted, as they are not tied to any transaction I authorized. I did not grant your agency permission to report this information, making this a violation of the permissible purpose section of the FCRA. Consequently, your agency may be liable for damages of at least {$1000.00} under the civil liability section for willful non-compliance. I respectfully request that these items be removed from my consumer report promptly.

Thank you for your attention to this matter.
Product: Credit card

I booked a XXXX  vacation in XXXX for XXXX rooms at the XXXX XXXX. Aprox {$19000.00}. When we arrived my sons room and mine where connected they had major water damage, bathroom door was stuck and you could not get into the bathroom, walls had missing portions, half the rooms electrical did not work, there was water still coming into the room from the ceiling and through the dryer running across the floor, the patio door was being held by a XXXX and water was dripping from the non operational ceiling fan.We had cockroaches running across the floor with dehumidifiers running continuously! I paid with my CapitailOne card and we asked the hotel for a new room or a refund. The refused both. The hotel policy stated we had until XX/XX/XXXX XXXX to cancel minus one nights stay and they did not even honor that. With out the refund we were stuck there. They did that as I believe a common practice. We were sick vomiting the entire stay. Once back Capital One claimed we stayed there and received the service. Its a scam so the hotel doesnt have to refund. I believe Capital One has a working relationship through their XXXX program and we were victims of a bait and switch. CapitalOne refunded me on XXXX of the charge backs saying I was awarded in my favor then rescinded it.
Product: Mortgage

I have had a mortgage with Stern 's Lending since XXXX/XXXX/XXXX. The city of XXXX XXXX taxes were assessed at {$1400.00} for the first year until my residency was established. In XXXX XXXX the residential abatement for the city of XXXX took effect reducing my tax liability drastically to {$160.00} per year. In XXXX I contacted My XXXX XXXX, the company that services the mortgages for Sterns ' Lending, notifying them about the change. I relayed the information from the XXXX assessors ' office that the mortgage company must apply to the city of XXXX for the over payment they made on my account. They asked for a new tax bill issued from the city of XXXX. I sent them a print screen from the assessors ' website. They said they needed the actual bill so I had to wait until I received the bill in XXXX XXXX, I immediately sent it to them. They finally refunded the excess escrow amount of {$1500.00} with a check issued on XXXX/XXXX/XXXX. That was a long time to wait for them to return my money. 

Today I received notice from Sterns ' Lending of a new escrow amount of {$64.00} per month. Their letter states the tax liability is {$760.00} per year for my account. The city of XXXX assessors ' website says XXXX Preliminary ( Estimated ) Total Tax Due-First Hal ( XXXX XXXX ) : {$80.00} meaning my total tax bill will be XXXX for the year XXXX. City taxes are the only payment from the escrow account. 
Today I called XXXX XXXX XXXX to inquire about the escrow account. They would only state the tax liability is {$760.00} for my account. I have no idea where this amount came from and the customer service person would only repeat that number. I would like a written explanation from them with a source document legitimizing the amount. I do not want to over pay my account and possibly wait another several months for the escrow to be reviewed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by XXXX XXXX XXXX I have repeatedly been filing disputes with the credit bureaus and filed proof. Equifax is reporting they are unable to use my documentation, even though it is from US Bankruptcy Court, and lists the scheduled Creditors - proof XXXX was not involved. Equifax is requesting I pay out legal fees to get the US bankruptcy court to provide me with documentation XXXX was not included. XXXX, also is continuing to go round and round, stating " XXXX is accurate '' based on the information they are providing. However, neither company is able to provide proof of XXXXXXXX XXXX accuracy. XXXX, won't do anything and tells me to file with the credit bureau. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXX  payments come from the Trustee not consumer. The Bankruptcy was completed XX/XX/XXXX.
Product: Checking or savings account

When my brother passed away in XXXX XXXX XXXX I closed his checking account. The bank ( Bank of America ) requested an array of legal papers to verify that my brother had indeed passed away and that I was legally appointed to receive the funds from his account. I provided all of the necessary paperwork and was told that I would receive a check for the funds. No check has ever arrived. I complained to the local branch where his account was held, and was told that they had sent the check to a wrong address, but that would be corrected and I would receive a check in about XXXX weeks. That was back in early XXXX. I have still not received a check. I have left phone messages and e-mail messages with the person at the local branch XXXX XXXX XXXXXXXX XXXX  ), but have received no answer or information to explain why I have still not received the check. 
On the rare occasions when I can get an answer, it's " the check 's in the mail '' ( and it apparently is not ). But most of the time I get no answer at all.
Product: Credit reporting or other personal consumer reports

This account was cancelled on the following date : XX/XX/year> Since then, the account has been repeatedly updated as cancelled every month. This is an update to the payment history. A cancelled account should not include an active payment history. 
This inaccurate information falsely manipulates the statute of limitations. Please investigate this account properly after I asked you to do so TWICE and your negligence has violated my rights, I demand the deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX XXXXXXXX. Account Number : XXXX.
Product: Student loan

I applied to the XXXX program in XXXX of XXXX. I also consolidated my loans at that time so I could start working towards XXXX earlier than XXXX. As you know the court case happened around the time I was supposed to start payments. When I got my first statement I was out in a standard payment plan which I could not do. I called and they said my account and SAVE app were not processed but I could be put in admin forbearance with interest ( which in of itself is ridiculous bc I didnt choose to be in standard repayment ) I did this for XXXX payment cycles and then I got a letter that since it had been XXXX  days or more I was automatically in XXXX forbearance and didnt have to call anymore to extend my admin forbearance and that interest would not accrue which it still has. I have now gotten a past due bill on my account and it says I owe over XXXX dollars.
Product: Money transfer, virtual currency, or money service

The company did not require two forms of identification when I initially established the account, however, they are currently refusing my USA Passport, claiming a second identification is required to remove the " fraud '' alert and release my funds.
Product: Student loan

I took student loans out to help pay for my college education. I graduated and have been on an income-based repayment schedule since then. My family has grown in size and it has become increasingly difficult to try and pay more than my income-based payment. Over the years, I have paid my payment every month and yet my loans have grown exponentially! This is extremely frustrating because now I ca n't even pay on my principal balance because the accrued interest is over {$10000.00}. If I understand all of this correctly, if I pay just the interest accrued every 30 days, plus a little more, it will go to the accrued interest balance, not the principal balance. How will I ever be able to get caught up?! These loans have been in negative amortization almost the entire time I 've been paying. I 'm not asking for a pity party, but how is this even fair? I 've done what was expected of me, and in the end, I 'm being robbed in interest payments! PLEASE, PLEASE look into finding a way to not allow the American citizens who have tried to better themselves by furthering their education, go bankrupt because of this unfair increase in student loans borrowed. To me, this is exactly what predatory lending is : charging me way more than what I borrowed, while telling me it 's okay that I only make my income-based payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account are not Delinquent Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violating their covid 19 assistances XXXX that they extended. Their reps miscommunciated massively without having the authority to do so. 

I have been a customer for nearly a decade never one issue. Exhausted every attempt to rectify with lender. Never once have I been late one month I was advised no payment due at all XXXX  XXXX XXXX XXXX {$7.00} which I did o even called to confirm. 

None of the dates or times that they provide match the actual time stamps or dates on my end some of which easy to discredit as they were emailed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

College Ave has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX/XXXX/XXXX I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked Transunion to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
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 is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX Pl XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Student Loans Received a student loan forgiveness letter for The XXXX XXXX as well as XXXX XXXX XXXX that states my student loans have been forgiven and I would no longer be required to continue payments for the loan, as well as my credit report would be updated and the loans would be removed from my credit report. 

My credit report currently reflects the following : 1 ) Equifax- 6 XXXX  loans removed. The same student loans are still reflected on XXXX and XXXX and need to be removed based on the need to have complete accuracy on each credit report. The credit reporting agencies already have been notified to remove these items but failed to do so. The next step will be legal action. 

2 ) XXXX- Reflects the following in the notes. The note states : Account information disputed by the consumer ( meets requirements of the Fair Credit Reporting Act ) Equifax and XXXX have closed the accounts but are still reflected on my credit report. A decision has been made to remove the items from the credit reporting agencies already and should be completed by each reporting agencies to maintain accuracy.