23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a the same Company complaints as I reported XXXX ( last XX/XX/XXXX ) and they just passed it to another Collection Agency. They mailed it to me on XX/XX/XXXX, the time where we suffered also a tremendous impact done by COVID-19,  we are suffering also of financial hardship. Attached is a copy of their notice, dated XX/XX/XXXX with the amount of {$8500.00} by a XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX, toll free XXXX. 

The vehicle that they are pertaining to was actually repossessed by taking away in my parking lot without any notification thus was reported to the Police of a suspicion of Thief Loss. Later, the company was verified that the vehicle was under their authority and sold to another person as the new owner. Accordingly as per se,  we signed an agreement that we have to finish in paying our monthly dues but the dealer financier had never told or explained everything to us but just a signature. Hopefully, our complaints must be heard in your office, thank you very much.
Product: Credit card or prepaid card

My credit card information was stolen and used on a sports betting site to cash out. Payments were made on my credit card account which bounced later on, resulting in maxing out my credit limit. I have proof I was out of the country while all this happened, which I have attached below.
Product: Student loan

Navient, the servicer of my Stafford Unsubsidized Student Loan, may have harmed this borrower by steering him toward forbearance or other products such as suggesting interest accruing forebearance, income driven repayments, and Federal Direct Consolidation Loan Promissory Note agreements instead of guiding them through the process of applying for income-driven repayment plans that would provide lower monthly payments and a possible opportunity for loan forgiveness. 

The loan was initiated in XX/XX/XXXX with disbursements totaling {$7200.00} The current balance ( which includes late payments, check fees and accrued interest ) equals XXXX. Over 11 years the principal has not been reduced, rather, {$5600.00} has been added to the original loan amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting company has continuously misreported and harassed me since the loans inception. The original balance was $ XXXX, my monthly payments which were made for 17 months straight came out to {$440.00} because I paid extra {$36.00} to make it even and also bring balance down faster. That comes to a total of {$6100.00} paid to XXXX XXXX XXXX. I was struck by a driver in XXXX of 2022 and had been awaiting the other parties insurance to take care of the situation and even contacted the lender to make them aware. They repossessed the vehicle and sold it for $ XXXX, yet the loan balance is showing on my credit report as $ XXXX. And recently went as far as to add an additional {$300.00} out of nowhere when the loan is already closed. The amounts paid were never accurately reflected on my credit report and even the balance after the vehicle was sold at auction has not been reflected correctly. This is an egregious violation of consumer rights which falls in line with every complaint Ive filed against them since the loan was opened. The actions being taken against my credit report seems to me like retaliation for the constant reports of them violating my consumer rights. They are blatantly misreporting the information on my credit report.
Product: Debt collection

Midland credit collections continues to call my number and call me XXXX. I have repeatedly told them1). I am not XXXX2. They have the wrong number 3). Stop calling They have not stopped.  They are calling the wrong number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. XXXX claims they are getting this data from Lexis Nexis and asked me to contact them. I did and after investigation, Lexis Nexis removed this entry from my file. However, XXXX  continues to report this entry despite numerous disputes. I have contacted Lexis Nexis and they informed me that they have notified XXXX  regarding the update to my file but that they can not control what is being shown by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day! 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer. 

Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it. 

here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also mail certified with return receipt the dispute to the credit bureau XXXX who's reporting this wrongfully enclosed a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/2014 the dismissal was filed with the court. 
Since then, the three credit bureaus ( Experience, XXXX, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded  in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

yesterday I got an email from capitalone saying that my account was going to be closed and they didnt wan na give me a reason why I dont really care about that but I dont have any other bank account and that capital one had all my money inside of it and I dont have any money to spend. I need money to take care of myself for transportation for food and they basically left me on my own devices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, Equifax, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX did not finish the work they agreed on, And I believe I was discriminated because of my race.The surgery went fine a very professional, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe work was never finished and now it is on my credit report for XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX bank acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX  acct # 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 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I have asked Equifax to delete an account I had with XXXX that is over 7 years old ( XX/XX/2007 ). I have disputed this multiple times and they will not remove it. This is the response I keep getting : I did not dispute its mine but it is too old to be on my account. 

Thank you for giving Equifax the opportunity to serve you. 
Results Of Your Investigation ( For your security, the last 4 digits of your credit account number ( s ) have been replaced by * ) & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, SC XXXX Phone : ( XXXX ) XXXX
Product: Mortgage

This is the THIRD time I have complained about Bayview Loan Servicing. They refuse to cancel and eliminate my PMI. They claim they do not have to based on a late payment from XX/XX/XXXX. Though the payment was late, it does not usurp the Home Owners Protection Act of 1988 which states that once 78 % of the loan has been remitted, the servicer is obligated to eliminate the PMI on the loan.

Bayview has refused three times, and continues to hold onto the late payment as their excuse. This despite the fact that they admitted back in XX/XX/XXXX that I had remitted in excess of 104 % of the loan. 
They provided their " sympathies '' but stated there was nothing they could do. 
My payments have been remitted on time and NOT within the grace period, I mean on the 1st of the month when the payment is due for the last four months and we are CURRENT on our loan, so Bayview is out of compliance of the law. Last month they sent me an email  XX/XX/XXXX stating they had not yet received my payment for XXXX XX/XX/XXXX and that it was late. It wasn't DUE yet. They then sent another email to retract the first email. This company has issues, and to top it all off, they are changing their name, which concerns me even more, as I believe there has been impropriety involved with others and not just me, which is prompting the name change. I am complaining AGAIN because Bayview owes me money AND they are obligated to eliminate the PMI. I have been paying this mortgage for 15 years, and the PMI should have BEEN eliminated a  while a go, however, they neglected to inform me of the process to remove it in a timely manner, and then refused to elminiate it due to a rule that does NOT apply to this loan. 
I am hoping someone will actually investigate and hold Bayview to  account for their irresponsible and improprietous practices.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. 

Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

inquires on my credit report that I don't recognize
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX XXXX XXXX to my friends and family. Sometimes. Money is Not Authorized to Pay to Someone Else. Scammers are sniffling money out of your account Etc
Product: Mortgage

excuse my illetercy for my writing of my statement I took out a home equity loan over the phone from Well Fargo Bank around XX/XX/XXXX or XX/XX/XXXX for XXXX dollars for what I thought was for10 years on payment of aXXXX a month which I though I was paying the loan off to fine out in XX/XX/XXXXI was only paying interest only and still owe XXXX XXXX XXXX dollars I was pretty upset about the whole process of being had so Well Fargo started up a new loan with lower interest for 5 years at XXXX dollars a month I recently lost my job in XX/XX/XXXX of this year I notified them of this change and sent Well Fargo all the information to apply for hardship after they review all the document they decline me for assistance they sent me a letter of other resources I could use I took the option of a lump sump settlement they decline that offer to after I had to prove I had the funds available to pay I got another job and started trying to catch up on the back payment of the loan I lost this job and of course my unemployment stop so I fell back again i '' m employed again partime I called for assistance again I sent the nessersery document only to be ask for more I was wondering if I can get some help with this matter I have all ready pay this Bank over 18 ; 000 dollars a consumer that at end of solution of being taking by this Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am Writing to you to express my deep concerns over the fraudulent account on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need these fraudulent account to be remove within four days of receipt.

Name and Account # XXXX. XXXX XXXX
Product: Checking or savings account

On XX/XX/31, my debit card was stolen and two unauthorized transactions occurred from XXXX. The first transaction was for {$2.00}, and the second was for {$200.00}. As soon as I discovered the theft, I contacted my bank and took out a claim. They refused the claim, so I contacted them and started a second claim. This one was also refused.