23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Subject : Hard Inquires Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe to be inaccurate. After reviewing my credit report, I would like to request an investigation into the following information. 

Item in Disputes ( Hard Inquirs ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX GLOBAL LENDING SERVICES LLC 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 XXXXXX/XX/XXXX GLOBAL LENDING SERVICES LLC 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 XXXXXX/XX/XXXX GLOBAL LENDING SERVICES LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 GLOBAL LENDING SERVICES LLC 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 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 XXXXXX/XX/XXXX According to fair credit reporting SCRA section 61 115 USC 161 law states unverified inquire must be removed. According to law 15 USC 1681 ( n ) we have the right to sue up to 1000.00 for every unauthorized charge that has been placed on our credit. Law 15 USC 1681B states we have to give written permission for anything to be placed on our credit report I didnt give a written authorization to have this information placed on my account with third parties or anyone. Law 18USC 1028A states my information has been passed through 3rd parties without my permission and consent is called aggravated identity theft. last but not least Law FCRA section 605B states is illegal to report information on my credit without my permission. 

Please investigate this matter and correct the error on my credit report. I kindly request that you inform me of the results of your investigation within the time frame required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of 2021, I recvd an alert that a derogatory account was put on my credit. After checking the info I notice that I hadn't ever recvd any info from this company Vance and Huffman LLC asking for any debt verification from myself to even advise if debt is mine or not. They have added info on my credit report claiming to be a collection agency with a balance of XXXX, without sending me a notice of a debt and that is a violation. Further more per checking the Secretary of State website this company doesn't show that it is even bonded to collect in the state of Texas. I would like the information removed from my credit reports immediately. This company is in complete violation of my rights.
Product: Student loan

Good Afternoon, I am trying to find out whom the best person/bureau for me to contact regarding a financial dispute. I took out a Direct Parent Loan for my daughter in XXXX in the amount of {$9500.00} at 7.21 % interest. I have made the monthly payments of $ 75-100 ever since XXXX and requested on each check that the overpayments amount be applied to principal amount. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX ( remove " Pay a head '' terms ),  XX/XX/XXXX ), regarding the balance and how payments were being applied, they keep stating they would escalate, review and get back to me. It looks like they added another {$740.00} of INT Capitlztn, which if you take XXXX7.21 % that equals {$680.00}. It also looks like they changed the terms at some point. 
My recent review on my credit report shows a balance of {$9300.00} still being owed?! I am not sure how this could be possible with such a low interest rate and consistent payments being made on-time and even during times when the loan is deferred ( because she is now in XXXX school ), I am still making the payments but the balance isnt going down??.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, and it's taken a toll on my credit score. I contacted TransUnion, and while a representative assured me these fraudulent inquiries would be removed, they are still showing up. This situation is causing me significant stress and anxiety, as it makes me fear I could be a victim of identity theft. Not only is my credit score suffering, but its also affecting my ability to secure loans or financial products, making it harder to manage my finances and adding unnecessary strain to my daily life.
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to lake no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud.

3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area For the purposes of 15 USC 1692 el seq.. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement election, or waiver of status.
Product: Checking or savings account

Bank of America is acting more like a health insurance company and not a financial institution. Their procedures for reimbursements from Flexible Spending Accounts have become increasingly difficult from the prior year. I have had all of my claims denied so far this year. This includes an ER hospital bill after my insurance claims adjusted cost to me. I also had my wife 's prescription glasses denied as well. Even sending me a copy of their guide for what information they requested, the XXXX XXXX receipt was still insufficient in spite of answering the 5 questions that are needed to get approval. I don't understand why a letter from the doctor and a second letter from the place of " equipment '' purchase is needed in addition to receipts already provided. Additionally, why do medical records also have to be attached to the claim, which is a violation of PII. The bank has made it clear ( including with my company 's HR department on a call ) that their intention is to keep those funds if not disbursed by the end of the year. This is fraud and a loss of entitlement being denied. I believe this is discriminatory behavior that should not be tolerated.
Product: Mortgage

Have ask repeatedly from wells fargo about questions concerning thier payments to my insurance company from my escrow, as well as payments of escrow which doesn't showing deposits. I had to float a loan to make up the discrepinses allotted by them. I think they have messed up my acct. Now they are saying I have to pay more escrow? help please!!
Product: Credit card or prepaid card

I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXXn ) on XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Product: Debt collection

Their response was a billing statement to my complaint through the CFPB which proves nothing. A statement is not proof this account is mine. Continuing to play games with me and my credit theyre going to find themselves in a class action lawsuit because if they did this to me Im sure theyre doing it to others. So I will make this issue well known. If I open a card in somebody name and run it up youre going to give a statement to the person whose name the card was in. That doesnt prove it was theirs. It should be some proof provided when and how this card was applied for because it doesnt look familiar to me
Product: Debt collection

Kohls/capone On XXXX/XXXX/XXXX I sent Koihls Department a Debt Validation Dispute letter because on my credit account it stated Derogatory acct # XXXX of which I owe {$770.00}. sent it certified Mail Return Receipt requested.Post Mark received on XXXX/XXXX/XXXX. However during the period of days, I received Some bill Invoices correspondence No acknowledge or Debt validation response has come to my attention, They did n't put on my credit report that the acct is disputed.I have sent another letter, waiting the 31 days, I sent another XXXX Disputed Debt validation on XXXX/XXXX/XXXX. But even on the second dispute Debt Validation letter all I received was statements Invoice Bills again with a letter stating they receive my dispute here are invoices to refresh your memory. a week or so passed when I received a envelope with a second letter stated the same date XXXX XXXX, XXXX some more invoices of Bill statement. On Credit check Total which provided you with all XXXX credit bureau on XXXX/XXXX/XXXX its staes Kohls/Capone. on XXXX Charged off as bed debt disputed resolve, reported by grantor. that is false and is in violation, putting words and falsifying, I never had contact by phone or correspondense by me. XXXX was in dispute- now resolve, another lie and violation, I never even spoke.reported by subscriber. unpaid Bal. charge off as a loss by credit grantor XXXXcharge off acct.All I received from Kohls were bills invoices and No acknowledgement of debt validation.I never reported resolve I 'm still fighting this collection. this is a violation of them stating this matter is resolve when it isnt. I would like to know who done this.On My last Bill sent to me as a bill invoice statement it states balance XXXX on XXXX XXXX, XXXX
Product: Debt collection

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

CAPITAL ONE is a creditor as defined by 15 USC 1692a ( 4 ). 

CAPITAL ONE alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

CAPITAL ONE is a corporation whose residence is in the state of UTAH. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

CAPITAL ONE has failed to supply any contract signed by me validating these claims. 

CAPITAL ONE has no record of payments or signature form that this account belongs to me and has provided none to me on request and has no record of dated payments to any of the credit bureaus and data furnishers as of XXXX. 

CAPITAL ONE has not recognized my claim of fraud and unauthorized use as defined by 15 USC 1602 ( p ) protecting me as a consumer from any unauthorized use of the card as stated in 15 USC 1603a ( 1 ) limiting my damages to {$50.00}.

ALLEGATIONS/COMPLAINT : -CAPITAL ONE in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to another entity a junk debt buyer violating 15 USC 1692c ( 1 ) and 15 USC 1692c ( 2 ) without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally.

-CAPITAL ONE in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- CAPITAL ONE have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

-CAPITAL ONE has ignored my cease and desist request and willfully caused me stress and emotional anguish as well along with the reprocussions of a damaged credit reputation.
Product: Student loan

I was determined to be permanently XXXX in XXXX and was receiving XXXX XXXX XXXX  for several years. Sallie Mae/Navient was made aware of the situation and never advised me that I would qualify for loan discharge/forgiveness due to my XXXX. My original loan of approximately {$67000.00} for XXXXXXXX XXXX XXXX XXXX  combined has ballooned to nearly {$300000.00} after 25 years of being in repayment, I am XXXX XXXX XXXX and have no hope of ever getting this loan paid. I was forced into bankruptcy in XX/XX/XXXX after a XXXX XXXX and resulting debts, have been homeless and working menial jobs trying to keep a roof over my head. I need assistance obtaining the student loan discharge/forgiveness that should have been offered to me more than a decade ago. 

In addition, instead of offering me income-based repayment options that would count toward a 25 year loan forgiveness, Sallie Mae/Navient continued to threaten me with default and informed me that temporary forbearance/deferment were my only options, which I now know is untrue. I have more than paid the original principal loans and yet am saddled by an ever increasing debt I can never pay. 

Sincerely, XXXX XXXX
Product: Debt collection

I did not know about this debt until i checked my credit score no one has called me nor sent me anything in the mail and i honestly do not remember going to the hospital on that date.
Product: Credit card or prepaid card

Discover Card compromised along with other banks and personal information in 2018. Victim of ID Theft. Fraudulent charges made to card ; discover fails to remove them in addition to reporting inaccurate, derogatory information to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 )  XXXX  XXXX unknown 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.
Product: Money transfer, virtual currency, or money service

I was informed that my transaction was successful but the recepient did not receive the money. 

Upon further investigation on my end it was confirmed that the money was returned to World Remit. 

The transaction completion date was XXXX XX/XX/2018. I followed up with World Remit to inquire about the status of the missing funds on 2 separate occasions. 

I was assured the first time that the transaction would go through, the second time I had confirmed the funds had been returned. World Remit assured me that they would refund my money but seem to still not know where the money is.
Product: Payday loan, title loan, or personal loan

A line of credit was taken in my name by FRAUD on XX/XX/XXXX - The company Cash Net USA will not remove the account, they are saying its not fraud - I have asked for sign loan documents they won't provide. I filed a police report did everything they ask yet still they are pursing me for this money and harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I was on a repayment plan with XXXX XXXX XXXX  that was to end in XX/XX/XXXX. The payments were for XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, XXXX XXXX XXXX is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' XXXX XXXX is reporting to the credit bureaus that at this time I owe sinceXX/XX/XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. XXXX XXXX has claimed today, XX/XX/XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and XXXX XXXX is the only company that does not have me current on credit reporting. Now that I am current with XXXX XXXX, they need to update the credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I reviewing my credit report and wanted dispute a negative report and one the drop down options to dispute it was because CODVIC. I agree it we need for help. Why extra help in only for CODVIC. I loss my home because illness of XXXX XXXX when the Bank nor HUD help me find a place I still homeless and place in Forecloser and XXXX XXXX force themselves in my home when they was not supposed to the and within XXXX still reporting for loss to resigned from my job to care for myself and had fight for my United States Social Security Tax or Insurance that I was not approved until XXXX still homeless and told be the XXXX XXXX New Jersey XXXX XXXX Welfare that I have to work before they help me. During this time XXXX loss my house denied benefit and claims from XXXX, XXXX and XXXX XXXX. I work for 16 years and try to prepare for this time now I have nothing. I woman who worked for XXXX and they denied to help me and work all my life in State of New Jersey were they did not help just keep being denied and I been used as test patient in care and programs. The State of New Jersey did not pay me for the XXXX Furlough nor did they pay me why I XXXX  Disable or Unemployment insurance. Were is the help when you have to fight for your life and health. Now I'm face with not being to rent in Hud Apartment or Affordable Housing because the resource not there and people are still misreporting items on credit report. My credit is low
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Experian since XX/XX/2020 regarding the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached all my previous letters showing my attempts to rectify these unauthorized inquiries. I have exercised my rights as a consumer for proof of verification, but Experian has continued to ignore these requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have committed some violations .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15USC 1681 Section 602A states I have a right to privacy *15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card

I have had a credit card with CitiBank since XX/XX/XXXX. Unfortunately, I missed the first payment because I was not accustomed to having another payment, and they raised the interest to the penalty rate 29.99 %. From that point XX/XX/XXXX, I have had on time payments. They have only reduced my interest rate to 28.74 %. When I questioned them, they said it was their prerogative when to lower it. 
I thought after 6 months of consecutive on time payments they had to return it back to the pre penalty interest rate? They refuse to talk to me, and only direct me to " send it in writing '' to a generic PO Box address.
Product: Checking or savings account

I received a Square debit card in the mail that I did not request. I do not know how the account got opened. It was sent to my home address in my name. The issuing bank is XXXX XXXX, the company is Square Inc .
Product: Credit reporting or other personal consumer reports

I was out of town for awhile with no service for hunt, i get back to town and find theres a inquiry on my report from a company i have never heard of and have no association with.Inquiry was reported on XX/XX/2023. I didnt see it till XX/XX/2023. I looked into the company and its a loan company. I worry that someone has my information and is trying to get a loan under my name and crash my credit score. I talked to my bank and got fraud alert set up now for my report. They recommended i get ahold of XXXX  XXXX  which i did and they said to get a report from you and they will take care of the inquiry on my report. Company name is NetCredit.
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 Child support XXXX : # XXXX Child support XXXX  : # XXXX Child support XXXX  : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.