23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
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 under 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 to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Product: Mortgage

I am writing because my beloved home is being foreclosed. 
For 20 years I was a loyal customer of XXXX XXXX XXXXXXXX. I had not only a mortgage account with XXXX XXXX XXXXXXXX but my personal and business accounts as well as multiple lines of credit. During this time I had never been late on a payment and my credit rating was good. 
The mortgage was on my personal home As happens in life, issues and illnesses occurred. After being diagnosed with XXXX, before the onset the pandemic, I advised XXXX XXXX XXXXXXXX that I was facing some financial struggles. At this point I had still been making my payments. I did so until XX/XX/20. As a XXXX single woman undergoing regular XXXXXXXX XXXX I began to fall behind. I communicated with XXXX XXXX XXXXXXXX and we discussed a loan modification. I was told that someone would reach out to me. 
Over the course of several months I called multiple times, each time I spoke with someone different and was never able to get any information regarding the status of my application. I was even given a Dedicated Customer Relationship Manager ( CRM ), her name was XXXX XXXX ( Letter attached ). I was never able to reach this person. 
XXXX went on and I was unable to make my payments. 
XXXX XXXX XXXXXXXX sent me letter after letter stating that I was being considered for a loan modification but I was never able to get through to anybody. 
I was then informed that the company Shellpoint now owned my loan and they informed me that XXXX XXXX XXXXXXXX had provided no paperwork or information regarding my XXXX XXXX. 
I am presently in foreclosure and I need some guidance to stop this process immediately. 
I am attaching documentation from XXXX XXXX XXXXXXXX and Shellpoint. Please let me know what other information you would need from me. 
I would like to file a complaint against XXXX XXXX XXXXXXXX and Shellpoint at this point.
Product: Money transfer, virtual currency, or money service

In addition to the financial loss from the unauthorized transaction, this situation has caused significant emotional distress and financial hardship. The lack of support and failure to resolve my dispute have led to anxiety, frustration, and distress. I have spent countless hours contacting Cash App support, filing complaints, and dealing with uncertainty over my lost funds, only to receive inadequate assistance. The unauthorized transaction left me unable to cover essential expenses, forcing me to borrow money and delay important payments, adding to my financial strain. I trusted Cash App to protect my funds, but their refusal to take accountability for unauthorized transactions has only made things worse. I am requesting a full refund of the unauthorized transaction, along with additional compensation for pain and suffering caused by their negligence. Cash App must be held accountable for failing to protect its users from fraud and financial harm.
Product: Debt collection

Unauthorized Sale of Debt and Violation of the Fair Debt Collection Practices Act ( FDCPA ) ** I am writing to bring attention to the unlawful actions taken by Citibank and its subsequent sale of my account to a third-party debt collector, Calvary SPC , LLC, without my knowledge or consent. The following outlines the series of events and potential violations under the **Fair Debt Collection Practices Act ( FDCPA ) ** : 1. **Unauthorized Sale of Debt : ** Citibank XXXX without providing me prior notice or seeking my permission, transferred my account to Calvary SPC , LLC . This act occurred without any written communication or proper disclosure as required by the FDCPA, which mandates that a debtor must be notified of any transfer of their debt to a third party.

2. **Subsequent Sale to a Law Firm : ** Calvary SPC , LLC, in turn, sold my file to a law firm that does not have the legal standing to pursue this matter. Since the original contract for the debt was with Citibank, the law firm has no direct relationship with me or the debt. Under the FDCPA, a debt collector is prohibited from misrepresenting their legal rights or the rights of any other party involved. 

3. **Violation of FDCPA Provisions : ** - **Section 1692c** ( Communication in Connection with Debt Collection ) : The law requires that I be notified of any assignment or transfer of the debt. Citibank failed to communicate such a transfer to me, thus depriving me of my right to dispute or question the debt collectors authority.

- **Section 1692e** ( False or Misleading Representations ) : Calvary SPC , LLC and the law firm may have misrepresented their ability to take legal action, as they do not have a legitimate contract with me. These parties can not legally pursue collection of a debt they did not originate, which constitutes a misrepresentation under the FDCPA. 
- **Section 1692f** ( Unfair Practices ) : The actions of selling my account multiple times without my knowledge or consent may also be deemed unfair and abusive under the FDCPA. These practices compromise my rights as a consumer and expose me to unlawful collection tactics.

4. **Unlawful Legal Actions : ** The law firm pursuing the debt may be engaging in unauthorized legal actions, as they do not have any legal claim to the debt. This action could be seen as an attempt to manipulate or coerce me into paying a debt that has been unlawfully transferred multiple times.

In conclusion, the unauthorized sale of my account by Citibank, the subsequent transfer to Calvary SPC, LLC, and the sale of my file to an unqualified law firm represents multiple violations of the **Fair Debt Collection Practices Act ( FDCPA ) **. These actions have compromised my rights and caused undue distress. I request immediate cessation of any further collection attempts and an investigation into these unlawful practices.
Product: Student loan

I was contacted by the " XXXX XXXX XXXX '', XXXX, good luck with that one. XXXX XXXX, XXXX XXXX, tx XXXX was what i was given, lol. I was told up front, apparently that was a lie. XXXX for the first three months, and XXXX dollars a month or less for ten years Since I 've worked in XXXX  XXXX for 11 years and based on my income, and thanks to Obama. No mention of futher monies. I tried contacting them during the first months or upfront pay period and nothing, no return calls only a voice mail. Thank you in advance for any and all help. XXXX XXXX, XXXX. Now they are texting demanding more money and for what.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

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

I financed my XXXX XXXX XXXX XXXX through Mercedes Benz Financial Services in XX/XX/XXXX. Since that time, I have maintained a payment history free of any delinquencies or missed payments. In early XX/XX/XXXX, I had an unexpected medical emergency resulting in XXXX that put me out of work for over a month. I immediately contacted MBFS to request an arrangement to postpone my payment, while still maintaining my positive payment history. The representative offered me a two month payment deferral, and advised that my account would remain current even though no payments were necessary for the months of XX/XX/XXXX and XX/XX/XXXX. I was assured that as long as I resumed my normal payments in XX/XX/XXXX that my account would remain current. Less than 3 weeks later, I received credit alerts from all three bureaus stating that my account with MBFS was being reported 30-59 days past due. I have made multiple attempts to resolve this matter directly with the creditor, however each time I call I get a different story of what is going on. During my last call, a representative actually admitted to me on a recorded line that they DID see where the deferral was granted in XX/XX/XXXX, but for some reason that he could not explain to me he informed me that it took someone until the middle of XX/XX/XXXX to actually process it. There was no explanation as to WHY this happened, and to this day my credit report still reflects a 30 day late status for XX/XX/XXXX. This error resulted in my healthy credit score plummeting over 80 points due to ONE negative mark in an otherwise flawless payment history in over 4 years as their customer. I have exhausted my efforts, as well as my patience attempting to resolve this issue directly with the lender. They have already admitted their error, yet have made no attempt to correct the erroneous reporting and damage to my credit score.
Product: Credit reporting or other personal consumer reports

Good day! I am checking and sending a complaint to the bureau and company because the inaccurate reporting under my credit report has caused severe damage as a consumer. I have checked
Product: Student loan

Naviet has on multiple occasions put checks and charges through my debit cards even when I have called to inform them that the funds were not there or need to postpone a payment. Even when I paid it they did not cancelled the payment and sent payment through anyway even after saying that they would. I am being harressed and my co borrow also they call 10 times a day each and everyday. This company XXXX XXXX aka Naviet are loan sharks and a predator lender.
Product: Money transfer, virtual currency, or money service

In reviewing year-end statements in connection with tax preparation, I notice an inexplicable and excessive number of purchase refunds? especially unusual since I did not return anything for refund or request any refunds at the time. I do not recognize any of the 9 refunds credited from XX/XX/2020 to XX/XX/2020. Why are there so many unauthorized credit transactions during that time? What was going on with the account at Venmo that required these transactions to cover up?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.
Product: Credit reporting or other personal consumer reports

I want to file a formal complaint against TransUnion for violating my right. I have challenged the validity of the reported public records ( XXXX XXXX 's ) they not accurate and does not belong to me. I sent documents of proof several times, each time they said it was verified as accurate, but said TransUnion could not disclose their method of verification. This is illegal!! They are defaming my character and my financial situation and can not provide me with the source of their information. That is illegal. My next step is to file a federal lawsuit against TransUnion for damages. This will be my 5th time requesting that they remove this information from my public records
Product: Credit reporting, credit repair services, or other personal consumer reports

please see the inquire ( s ) below and remove or block the inquires listed below. these are unauthorized and should be removed or block. 

1.The XXXX XXXX  XXXX XXXX XX/XX/ 2XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/ XXXX  XXXX
Product: Checking or savings account

This complaint is in regards to chime bank. In XXXX on 2020 I received my eidl business loan to my chime checking account. 2 weeks later they closed/suspended my account I have since provided all documentation theyve requested, called, emailed, and done everything possible to get my funds disbursed to me or sent back to depositer. Its now a year and 4 months later and they still have the funds and arent trying to resolve the issue. This cant be normal banking process and it it has now put a strain on my XXXX livelihood. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$850.00} has violated my rights. 

15 U.S. Code 1681 states 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. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous accounts.
Product: Checking or savings account

I received a letter from Suntrust with the new XXXX stating that they were closing accounts on XX/XX/2022 but these accounts square for people who have a CD account or a retirement account I dont have either I have a regular checking account and a regular savings account so I contacted my local branch and I asked the branch manager about it he ask for my personal information I gave it to him and he told me that my account was not effective I can disregard that letter well I went today I tried making a purchase online and when I contacted customer service she told me that my car XXXX was blocked and that she couldnt unblock it she told me to go to a local branch picking initiation me another car while when I contacted the local branch he tells me that my account has been closed on XX/XX/XXXX my account is still open in active but my car is not but I just use my car on this past Saturday was with XX/XX/XXXX to pull money out of the ATM machine I think thats very unfair and ethical because people have money go onto their accounts and then give a reason why my account has been closed I dont care that they tell us being close it was how it was been done and I believe BB & T needs to be investigated
Product: Checking or savings account

The date of XX/XX/2023 around XXXX I went outside to purchase something. 
I had been home all day moving stuff around, When doing my purchase I got a declined message " Exceeded Max.. '' I was beyond surprise since I never leave home until then. I was told I did 3 withdrawal until reached my maximum [ per day. I immediately filed a claim with the bank and were told I will get something in the mail. I noticed a cold treatment during the call and also told I will not get a " temporary credit '' this time, Which seemed strange and I questioned the bank rep. and all the responses were vague. 

After waiting for days with no response by email, phone or mail I called the bank again and were told dispute " declined ''. I questioned the bank rep " how they determined my claim isn't valid '' and what evidence they have to support that. 
Then again all responses were vague -The total amount withdrawn was {$940.00} XXXX ( including ATM fees ) My XXXX
Product: Debt collection

I have been making payments towards my private student loans from Navient for years. I pay everyone sometimes even twice a month, and they still make inquiries on my account saying it's delinquent and it is not. This is keeping me from buying a home for me and my kids. 

I have pictures of my student loan account to prove I pay what I can afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and Transunion Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

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

The Credit Bureaus have done nothing! I have been disputing the fraudulent items reporting on my personal Credit Report by submitting numerous dispute letters as well as submitting CFPB complaints addressed to the Credit Bureaus and it is clear that the Credit Bureaus have done nothing! NOTHING AT ALL! I have read that the Credit Buruas are required to remove any accounts and information that resulte due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus continued reporting the disputed items without providing me copies of documents to prove the Credit Bureaus ' claims. This act by the Credit Bureaus is a clear violation of my rights under the FCRA Regulation. I am now submitting this CFPB complaint to request that the Credit bureaus remove the disputed items as soon as possible from my Credit Report. I need teh following items deleted completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX