23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I revived notification regarding a debt owed in XX/XX/XXXX from HindmanSanchez, related to HOA fees. I was served with papers in XX/XX/XXXX regarding a XX/XX/XXXX Court Date. I reached out to the Collections agancy on XX/XX/XXXX via Email which I can provide. asking for a payment arrangement. I received a call back from XXXX  on the same day via voicemail advising about my email and payment request. I called her that same day and set up the arrangement as per my email. A direct Check mailed from my XXXX XXXX account starting XX/XX/XXXX for $XXXX per month until paid off. She advised as long as that was set up, they would be OK with the payment arrangement. HindmanSanchez recived a check for $XXXX on XX/XX/XXXX, then another check for $XXXX   on XX/XX/XXXX. then another one on XX/XX/XXXX. the first two checks were cashed. the 3rd has not been. However the amount was pulled from my account on the day of mailing. on XX/XX/XXXX HindmanSanchez had a draft of XXXX withdrawn from my account. as per my original amount owed was XXXX  no payments have been posted to my balance. as of today. the collections agency claim the draft was ordered because nothing had been posted. but they do see payments revived.  Now they want to wait to see what was revived before they refund me any money paid over the amount of XXXX. I had a valid arrangement with them, they failed to follow their processes which caused my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULL MY CREIT REPORT AND FOUND THE FOLLOWING INQUIRIES TO BE UNAUTHORIZED : XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. lease see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the Sezzle tradeline account associated with my name and Social Security number. This account was opened without my knowledge or consent, and I believe it is a result of identity theft. 

On XX/XX/year> discovered the unauthorized Sezzle account while reviewing my credit report. I have never applied for or used Sezzle 's services, and I did not authorize anyone to open an account in my name. 

I request that you immediately remove the Sezzle tradeline account from my credit report and take steps to protect my personal information from future unauthorized access. I would appreciate it if you could also provide me with a confirmation in writing once the account has been removed. 

I have contacted this company multiple times to advised them my inform was published to this bureau without my consent & fraud but their not doing anything to resolve my issue and asking that I speak with you guys. No one is doing their due diligence and prolly send my proof that this is my account and removing this information. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help concerning this false account being reported on my credit report. This matter has severely affected my reputation, and I need your intervention. Your mishandling of my credit report has led to my downfall, as this false reporting has tarnished my reputation. Please ensure that this false information is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
Product: Student loan

I enrolled in XXXX College from XXXX XXXX-XXXX. Once I graduated I recieved my XXXX Degree in XXXX. I decided to go back to XXXX College of Rhode Island to work on my XXXX degree. I was finishing my third class when the college informed me my degree was not acceptable towards the XXXX program. I questioned WHY?? and was told XXXX is not an accredited college. I dropped out of school and felt dissapointed and confused. I was discouraged to continue my education due to the financial hardships. My federal loan had been deferred several times during this time. 
I paid my private loan in full and began making payments towards my federal student loans. I was consistenly making good and on time payments. In XXXX I was having financial difficulties in making payments. Navient suggested I go in to forbearance. They did not attempt to inquire if I could make small monthly payments. 
In XXXX I contacted Navient several times in regards to making payments. I offered Navient between $ 50- {$70.00} a month because during that time it was all I could afford. They stated the minimum was {$140.00} and that was the best they could do. I contunied back and forth for months and was finally able to negotiate {$70.00} a month. The bill came in and it was {$150.00} " DUE IMMEDIATELY ''. I could not get them to work with me as I tried over and over. More recently I began conducting my own research and I'll admit due to my own negligence did not realize that my original loan of {$12000.00} somehow doubled to {$24.00}. I understand navient took over for Sallie Mae and somehow aquired my loans. I'm still confused as too how much interest and how it was calculated. I need someone to help assist. I am presently reaching out to the Dept of Education and have  filed an application for a borrower defense to loan repayment. I would like some understanding into how and why this happened.
Product: Credit reporting

This fraudulent XXXX account that keeps reporting on my Equifax credit report that i have disputed four times already, this particular account was sold to a collection agency by the name of XXXX, in which whom took me to court concerning this same account that they purchased from XXXX. The judge dismissed this case for lack of proof of Proper Documentation. XXXX No longer reports to the CREDIT Bureaus because of the courts ruling on this particular Account. As i stated i have disputed this through Equifax four times already and requested That XXXX provide them Proof of the original contractual agreement and proper Documentation proving ownership concerning this Fraudulent Account in my name, which i have not received any information or proof of Documentation concerning this XXXX account thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to Delete this from reporting on my Crdit Report and they have not Deleted it yet ... XXXX and XXXX have deleted this same account from reporting on my credit report from XXXX, Account # XXXX I am writing and submitting this complaint for this particular XXXX Account to be removed form my Equifax Credit Report. Thank You!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance Owed : {$38.00}
Product: Credit reporting or other personal consumer reports

The XXXX account that appears on my TransUnion credit report is a joint account. The account was already deleted for the other individual by XXXX and XXXX after filing a dispute. However, it is still being reported by TransUnion who previously refused to delete the SAME ACCOUNT from my credit report. TransUnion 's inaction is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for TransUnion to permanently delete XXXX from my credit report.
Product: Checking or savings account

I applied to open an account with XXXX XXXX, a division of Midfirst Bank on XX/XX/2021. The account was approved on XX/XX/XXXX. On XX/XX/XXXX {$100000.00} was withdrawn from my transferring account - XXXXXXXX XXXX. On the evening of XX/XX/XXXX XXXX  sent an email notification of a failed transfer. I have called twice XX/XX/XXXX and XX/XX/XXXX. The first time they said they had no record of the transfer. The second time I was told the bank was closing my account for " business reasons '' and the funds should be transferred back to me by XX/XX/XXXX. XXXX XXXXMidfirst Bank is still holding these funds currently - this is theft. 

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

There are accounts listed on my credit report that do not belong to me. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX breached their contract and duty and still until this day failed to provide a receipt that a loan was ever given where is the receipt? XXXX XXXX  had 7 days to respond and resolve this issue the XX/XX/XXXX.  XXXX XXXX  never responded and there is a breach of contract on the fault of XXXX XXXX  who still fails to show the receipt that a auto loan was given. Also XXXX XXXX given third parties XXXX XXXX information without XXXX XXXX written or express consent this violates title 15 USC 1692 SECTION E
Product: Debt collection

Rev MD Partners is continuing to send me a bill for {$1700.00}, that I have paid. Rev MD sold this bill to XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX United States. I have already reported this to the CFPB case number XXXX. I have told Rev MD Partners that this has been paid and they continue to send me a bill and call me. The contact info for Rev MD Partners XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

Oliphant Usa LLC is reporting incorrect information on my Credit Report dated : XXXX, XXXX, XXXX. Stating the account is open. I am currently disputing these allegations and wish them to be removed from my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX   Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX XXXX ) credit report. My latest credit report shows ( 15 ) credit inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX / XX/XX/XXXX TRANSUNION 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
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry suddenly appeared on my credit report this morning, and I have no clue why. I checked my report as usual, only to find discrepancies that werent there before. Hoping it was a glitch, I refreshed my browser, but the inquiry remained. This is beyond frustrating, and I demand that my documents be carefully examined so I can put this stressful situation behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with bank in regards to my account and was assured that my account wouldn't be reported as late to the credit bureau due to me having ongoing financial struggles because my industry has slowed down due to the economy. This is the second time that my account has been inaccurately reported.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I was using my moms car because my car was not working. And forgot to transfer my XXXX tag to her car. Then I have received XXXX violation and I replied to them each time they sent it to me. Then couple of months later I received a letter from alliance one saying i owe {$700.00}. So I called XXXX  to understand why they are asking me to pay this. They told me you never replied to our violation. So I told them I did. They asked me which way. I told them by mail. Then they told me I should of called it in because we dont always receive all by mail. So now Im stuck between alliance one asking me to pay {$700.00} and XXXX. So I called alliance to find out how much the tolls were and they told me its around {$200.00} so I paid the tolls. And now they want me to pay for the fees. But I dont owe them that because Im an XXXX customer.
Product: Debt collection

I have called and emailed XXXX XXXX to remove a debt to XXXX XXXX XXXX that was paid and settled in Small Claims The action was withdrawn and released, but XXXX XXXX will not remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a charged off account with XXXX XXXX XXXX credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want XXXX XXXX XXXX to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple documents to Equifax in effort to resolve this issue ... XXXX XXXX is reporting on my credit file with Equifax and Equifax only ... .they claim that it was verified yet neither of the other 2 bureaus were able to verify this fraudulent account. I asked for the original contract with my signature on it ... ..for proof to validate this account ... .Equifax told me that they don't have to provide proof ... ..According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have sent in document after document which I have record of that this account is being reported incorrectly and or fraudulently. Equifax are some law breaking XXXXXXXXXXXX!!
Product: Vehicle loan or lease

On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report from XXXX and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately XXXX account inquires which shows XXXX did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe XXXX failed to use XXXX for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from identity theft.