23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made several attempts to get information on the whereabouts of the vehicle. I was not provided with. **When was it sold? **What is the amount of the sale of this vehicle after I surrendered it? **If there is a deficiency, why was it sold for less than the amount owed? I have sent out a letter to the original seller on XX/XX/2022, & XX/XX/2022, with no response
Product: Credit reporting or other personal consumer reports

Experian has closed another complaint without addressing the issue and the problem is that Experian has stolen NOW 18 months of on time never late payments to XXXX and refuse to give them back and just gave another totally useless and XXXX explanation that has absolutely nothing to do with the problem
Product: Debt collection

When I checked my credit report I noticed A collection from Enhanced Recovery account # XXXX. I quickly went ahead and made the payment even tough I never got notice from them or was aware of this debt. But want to protect my credit so took care of it immediately..
Product: Debt collection

Bankruptcy was XXXX XXXX, a collection was made in XXXX under XXXX  and XXXX XXXX XXXX. I then filed a report with the Attorney General Offices in Texas and Washington as well as a dispute resolution through the US Department of Education. 

XX/XX/XXXX of XXXX I received a letter Transworld Systems Inc collecting on the same debt, I responded to them to dispute the information using the systems that they described in their letter. 

Explained that the debt was discarded in XXXX, that I went through this process back in XXXX. This has been the first time since XXXX that I have received anything of the sorts, has not shown up on any of my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Vehicle loan or lease

In XXXX of 2021, my auto loan from now defunct XXXX XXXX XXXX XXXX XXXX was sold to Statebridge Company , LLC to continue the same car payments ont he same due dates. I began sending checks to cover the payments for payments due on XX/XX/2021 and XX/XX/2021. These checks cleared, and my bank paid the checks. I then switched to my bank ( XXXX ) handling the payments through their Bill Pay service starting with the payment due on XX/XX/2021. Again, the amounts were paid, and money withdrawn from my account. On XX/XX/2021, two payments were " reversed '' with no explanation and no refund or communication from Statebridge Company. Now I show 2 payments behind when I am not. Had contact with my account rep but she is unable to solve the issue and billing department does not seem to be acting. Have called Statebridge Company several times during business hours, but they play a message stating the company is closed for the day. I feel as though this company is engaging in very suspicious behavior to potentially glean more money than what is owed from customers which could affect their credit rating and potentially lead to loss of cars or homes due to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax several times to initiate a dispute of unauthorized inquiries and their automated system purposely prevents a consumer from being able to speak to a customer support specialist when attempting to dispute over the phone. Equifax website has also been down and when attempting to dispute inquiries online, I am unable to do so. I was affected by the Equifax Data Breach and as a result have found several inquiries listed on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. 

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

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

XXXX XXXX credit card company issued three separate credit card accounts using my personal identity information. I have never applied for credit through this creditor. This is a clear identity theft issue, because someone is actively using my personal information to obtain credit goods. I have never shared my personal information with anyone that is close to me. 
I made a proper request to the credit reporting agencies to remove these false accounts from my credit report. Also, I expected them to open a proper validation process with these accounts, but the information of validation was never shared. 
I expect the credit reporting agencies and the creditor to share necessary information with me. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The list of fraudulent accounts is listed below. 

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

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Payday loan, title loan, or personal loan

My line of credit is {$2000.00}. I withdrew {$1600.00} at the beginning, and have paid {$1900.00} to the company so far. I have not made a withdrawal since the initial {$1600.00} on XX/XX/20. They are stating that my balance is currently {$1300.00}. I have been making on time regular payments, even overpayments. My minimum payments fluctuate, with no explanation of how my payments are being applied. My last minimum payment went up from {$140.00} on XXXX XX/XX/20 to {$190.00} on XX/XX/20. I recently asked to close the account and be put on a payment plan. They denied me closing the account and said that I have to pay off the balance in full first. I explained that my employment has decreased ( full time to part time ) and that I can not keep up with the biweekly payments. They only offered to delay one payment into four parts, with me paying that IN ADDITION to the regularly scheduled future payments. They are offering no relief in payment and/or increasing amounts due.
Product: Payday loan, title loan, personal loan, or advance loan

Vehicle loan was taken out on a XXXX XXXX XXXX XXXX XXXX. Three year loan with XXXX XXXX XXXX  which has been taken over by Capital One. Looking for a lien release as car can not be sold. Capital One was called numerous time with no response since they say it is too old and have no records under XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX  XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XX/XX/2022 UNATHORIZED INQUIRY
Product: Credit card or prepaid card

I experienced some technical issues with my direct deposit. My employer, XXXX XXXX XXXX, rather than redeposit my paycheck into my checking account they mailed me a Wisely App card. I reviewed the card terms and conditions of the card and found them completely unexpectable. I later discovered that the employer disclosed all my personal information - - full name, date of birth, social security number, address, phone number and so on -- to Wisely App card. 

I contacted Wisely XXXX Card to transfer my pay to my bank account and delete all my personal information. They refused to take any action. They told me that I had to activate the card and pay the fees to get my money!
Product: Debt collection

On XX/XX/2020 I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TN XXXX United States. There I came to return the equipment that I had borrowed and I also paid a balance of XXXX that I owed to close my account and get it removed from my collections. Its now XXXX and its still showing up on my credit and its not even saying that I paid it in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.
Product: Mortgage

During the refinancing process of negotiation and in order to meet a competitor 's closing cost, Network Funding LP 's mortgage broker agent XXXX XXXX XXXX ( XXXX XXXX XXXX ), promised to reimburse me for the appraisal cost in the amount of {$450.00} ( in addition to discounts ), and promised to send me this check after closing the refinance deal. I accepted the offer from Network Funding LP ( XXXX XXXX XXXX ) company under these terms referenced above, and we proceeded with the refinancing agreement. A few weeks after the refinance closure, I had n't received the check and I had to remind XXXX XXXX about this term of our agreement via email, over and over again and she kept saying she would send the check in the mail. This misleading treatment from XXXX XXXX, back and forth, occurred throughout a XXXX month period and I have yet to receive the {$450.00} check. On her final message dated XXXX, XXXX XXXX made a statement that I should have received the {$450.00} check in escrow ( changing the terms of the refinance negotiations I had accepted along with her three months of emails proclaiming the same ). On XXXX XXXX, 2016, I emailed XXXX XXXX requesting her supervisor 's contact information and she refused to do so. Then on XXXX XXXX, 2016 I emailed Network Funding LP ( XXXX XXXX branch manager ), XXXX XXXX XXXX, regarding XXXX XXXX 's lack of follow-up and the non-submittal of the {$450.00} check, and have yet to receive a single response from Network Funding LP. I find their treatment of my refinance transaction and account as unethical and fraudulent. Please accept this formal complaint and please advise if there is anything you may assist me with, on this matter. Grateful for your time and guidance.
Product: Debt collection

I have reached out to JCAP Funding and requesting information in which I have yet to receive a response. JCAP Funding is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


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

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Credit reporting

I have disputed with Transunion on several occasions the following accounts ( see attached ) that are reporting inaccurately on my credit report : * XXXX XXXX XXXX XXXX XXXX I provided documentation to this bureau that XXXX XXXX is not licensed nor bonded to act as a collection agent in the State of Texas where I reside. Transunion did not respond within 30 days of my initial request as to the validity of this debt and what their investigation consisted of and who they spoke with at this company. The reporting of this account is in violation of Texas consumer law and my federal consumer rights under the FCRA. XXXX XXXX should be deleted as well due to the nature of its reporting. If this account is truly legitimate and they are the original creditor, why is there no payment history reflected nor the terms, or my high balance, or limit or payment status. All of these things must be reflected for accounts with the original creditor. Again, my rights are violated as a consumer ; therefore, both of these accounts should be deleted.
Product: Checking or savings account

Received numerous emails at two in the morning that a Bank of America bank account was opened in my name. I never opened a bank account with them. I called Bank of America and they stated they would close the account but I never received confirmation that the account was closed.
Product: Student loan

XXXX or XXXX I finally spoke to one agent at Ed financial she said I qualified for {$0.00} payment on IDR she never answered if I needed to resubmit paperwork for IDR. She told me to call back again in a week or two and mentioned vaguely transferring stuff. My account currently shows I owe {$590.00} I believe in XXXX. On XX/XX/XXXX or XXXX I submitted an IDR form on student aid.gov I have not received emails from EDFinancial that they received it at all. I have heard nothing about it. I spent weeks trying to get in touch with EDFinancial from XX/XX/XXXX to XXXX. They are rarely answering calls or clearly answering questions. I also filled out forms on the EDFinancial site to apply for IDR on their site. I am currently still trying to contact EDFinancial and sort my account out. I need at least temporary forbearance until I can get this sorted out no one has helped me. I have spent entire days on hold. I have sent emails I have messaged them on fb. I also have letters from them from XX/XX/XXXX and XX/XX/XXXX that state that my IBR isn't set to expire until XX/XX/XXXX. They haven't given me any clear information about what is happening with my account.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a XX/XX/XXXX I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have the annual fee waived and the account closed since it had been dormant for 1 year and that I no longer needed the account. I was told on XX/XX/XXXX that my request was approved and that the {$60.00} fee would be waived and account closed. On XX/XX/2023 I was notified by XXXX that my credit score dropped XXXX points due to derog hit from Dignifi. I contacted them immediately and to have the account rectified and bureaus updated. I was told by Dignifi that I needed to file a complaint. They should rectify this since it was their NEGLIGENCE that caused a DEVASTATING IMPACT TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX