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

I am filing this complaint to Experian for allowing these fraudulent activities on my file. These accounts just suddenly appeared on my credit file. I have no knowledge of these accounts and never heard of the original creditors. I did not receive a dunning letter nor any attempt to contact me which is required by law to do. This is so stressful and I need your help in resolving these. In the meantime, It is an urgent matter. Could you kindly block these fraudulent accounts under the Fair Credit Reporting Act section 605B
Product: Checking or savings account

In XXXX 2015, Citibank announced the closure of 17 branches in Massachusetts and now I can not find my saving account, which was previously opened in one of the branches of XXXX MA.
Product: Credit reporting or other personal consumer reports

I just want Fair Credit Reporting Act 15 USC 1681 done on all XXXX Credit Bureau
Product: Debt collection

Account info Account name AUTOSMART ACCEPTANCE CRP Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Status Voluntarily surrendered. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$12000.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXXXXXX XXXX
Product: Mortgage

I am filing this complain about the mortgage company known as " Specialized Loan Servicing '' ( SLS   ). Their address is Specialized Loan Servicing LLC, XXXX. XXXX XXXX, XXXX, CO, XXXX. 

The reason for this complain : This company bought my mortgage from XXXX XXXX in XX/XX/XXXX. After a few months, I sold my house on XX/XX/XXXX. After the sale of the house, their was a remaining balance of {$1700.00} which should have been sent to me via check. This amount was a refund from the XXXX county for property tax and was paid on my behalf to SLS to my escrow account. I have called the customer services many times and have spent countless hours with different representative but am not getting the remaining amount which is due to me. Most of the times, either the agents either tell me that they have taken care of it or send me to next person on the phone line which ends up in a wasted call.
Product: Debt collection

Southwest Credit Systems has been reporting an alleged debt on my credit report. I have not received any correspondence from this company of any verification or validation of this alleged debt. Southwest is in violation of my consumer rights by not providing verification and validation of the alleged debt in addition to not having a written consent from me pursuant to federal law to report any of this information to my consumer report. Southwest is attempting to collect an alleged debt that they have no first hand knowledge of and are just XXXX party debt collectors. No type of verification or validation was completed to verify if this is indeed a true debt owed by me. Having this report on my credit is a fraudulent, deceiving, misleading and illegal.
Product: Checking or savings account

I have had a dispute in since XX/XX/XXXX for XXXX XXXX for {$440.00} ( XXXX ) I was charged for a flight that was cancelled and I sent so many letters explaining this and I 'm getting the run around. when i called XXXX i was told i was n't charged but I show different.I have been going back and forward witht he dispute dept. with no help to getting this fix and we are now in XX/XX/XXXX and this charge happened in XX/XX/XXXX.
Product: Debt collection

XXXX sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX approximately one week later. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XX/XX/XXXX by XX/XX/XXXX regarding this matter. 

ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Discover Bank was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.
Product: Credit reporting or other personal consumer reports

I have been receiving a bank statement from XXXX XXXXXXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re
Product: Student loan

I have continuously tried to call Nelnet to request information regarding my student loans. When I call, I'm faced with long wait times that are never answered by an advisor. I've only been able to get through once and it was in XXXX of XXXX. The advisor, XXXX, advised me to call back closer to when a payment was actually due, which would be XX/XX/XXXX as she did not have any information due to awaiting the government 's decision on student loan forgiveness. After the decision was made by the Supreme Court to not uphold student loan forgiveness, I immediately started trying to reach Nelnet, as my payment was not available on the website. 

Finally on XX/XX/XXXX - I was given a payment amount of {$31.00}. I paid that amount, but tried to call again to make sure that is what I owed and to understand what repayment plan I am on. 

I logged back in not long after and my payment was then changed to {$210.00}. This seemed to be a more likely amount for my loan and what I owed. I made a half payment of {$100.00} on XX/XX/XXXX, preparing to make the other half on XX/XX/XXXX ( with a due date of XX/XX/XXXX ). I called again, to understand this is what I owed and to understand what repayment plan I was on - again, I could not reach a customer service agent. 

I logged in today XX/XX/XXXX to make the other half of my supposed payment, and the payment amount then changed to {$140.00}. I have been on hold ever since trying to resolve this. 

Just like any loan I would take out, I intend to pay it back, but unlike every other loan I have taken out, this has been a very challenging process. I should be able to see my payment every month and when it's due and easily pay it. Not log in several times a month, with the amount changing. The fear of daily accruing interest is also troubling me through this process. It's also very concerning I can not reach a human person to discuss this with. I understand the system is overwhelmed, but I am doing my part and should not be punished for that.
Product: Vehicle loan or lease

I Applied for a credit extension for a vehicle loan and was immediately denied. Then I was sent a letter in the mail as to why which displayed clear contradictions and invalid reasons as to why because I can not be denied as the original creditor in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for TransUnion and XXXX XXXX however shows " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for TransUnion and XXXX, but 0 months for XXXX XXXX # 3 : Payment Status : " Collection/Chargeoff '' for TransUnion and XXXX, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for TransUnion XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last Payment:XX/XX/XXXX for TransUnion and XXXX, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.
Product: Credit card or prepaid card

Today ( XX/XX/XXXX ) i attempted to use my card and it was declined. The server at the restaurant tried to use it XXXX and it kept declining. I paid with cash and called the bank ( FIRST NATIONAL BANK OF OMAHA ). 

I immediately called the bank the same day ( XX/XX/XXXX ) once we left the restaurant at XXXX XXXX XXXX @ XXXX After i called the bank, the representative notified XX/XX/XXXX that my credit card account was closed due to HIGH RISK. 

I have held this account for XXXX years, with not one late payment ever, not to mention on any of my credit cards/bills EVER. My credit is FLAWLESS. 

My family income combined is over $ XXXX, and we own multiple properties worth over {$1.00} XXXX each. I HAVE NO IDEA what is so HIGH RISK about me or my account? Is it because of where I live, is it because of my race/culture? I was given no explanation.
Product: Checking or savings account

In XX/XX/year> There was several over draft fees charged to my navy federal account as well as credit reversals that were reversed, funds were available and then they werent after having the funds available to spend. Which caused the over draft of purchases, over draft fees, etc.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : 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 XXXXXX/XX/XXXX
Product: Debt collection

I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.
Product: Credit card

There was a huge mix up with this account and I paid this account. I was never late on XXXX or XXXX 2016. Can they please remove the late payments on this account?
Product: Credit card

I opened a Marriot Chase credit card last month, and it says if I spend XXXX for the first 3 months, I will get XXXX points on XXXX, I reached the requirement XXXX weeks ago, and last week I received a letter from chase bank, saying they will close the card on XX/XX/12. And I called chase asking about the bonus points, they said since the card will be closed on XX/XX/12, there is no bonus points at all. 

This is a fraud, they invited me opening the card, and right after I reached the limit, they will close your card immediately, and said you will not get the points.
Product: Money transfer, virtual currency, or money service

PayPal allowed this XXXX  company to scam me twice. I disputed it with PayPal and the XXXX  company and still nothing.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Debt collection

The company is attempting to collect the debt I believe I do not owe they are furnishing information to my consumer report identified as identity theft and not relatable to any transactions made by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX, to remove the following items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$390.00} XXXX XXXX I XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX Cbna Inquiry from XX/XX/XXXX Cbna Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX  is showing a balance after being charged off. It is still reporting as late every month
Product: Vehicle loan or lease

I am XXXX XXXX a natural person. I completed a credit application online with CAPITAL ONE AUTO FINANCE to purchase a vehicle from XXXX XXXX XXXX dealership. I was not granted the credit and received adverse action from CAPITAL ONE AUTO FINANCE. This denial of my credit is a violation of my consumer rights. Pursuant to 12 cfr 1002.7 CAPITAL ONE AUTO FINANCE should not deny me of my own credit which is a prohibited act and wilfully violating Federal Law and my consumer rights. Pursuant to 12 cfr 1002.9 Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. CAPITAL ONE AUTO FINANCE has no authority or jurisdiction to deny me of my own extension of credit. I demand that CAPITAL ONE AUTO FINANCE grant me my credit for the amount applied for. I demand CAPITAL ONE AUTO FINANCE to provide in writing the facts and the source of their results for this decision. If CAPITAL ONE AUTO FINANCE does not respond in 3 days and grant me the credit it is in fact a violation of my rights and discrimination.
Product: Mortgage

On XX/XX/XXXX I submitted documents for a 2nd mortgage to Discovery Home Loan.

After sending all my documents Discovery declined my application on the basis of my home value.

Why they pre-approved me without checking the home value and requested me to send all my paperwork?

The loan has been declined in the basis of my home value and I am upset because they could have check that prior to requesting my documents. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE THESE INQUIRIES, PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ronald Reynolds is collecting money but stated by his letter the account was recalled by the creditor. He sends some print out sheet that's no more than fraud and has numbers of money received is over {$200.00} dollars per week and some weeks as much as {$270.00} with 3 different amounts running on the same case and nothing but deceptive and XXXX can verify the small amounts he has on some power point created sheet is not any proof as MY XXXX   statements show with nothing but fraud on his part. He can not dispute XXXX amounts. Ronald Reynolds should be investigated and how many other clients been rip off by his accountant methods. He never replies back to any dispute and XXXX can verify proof of his fraud and I have weekly print outs as proof he is no more than the modern day fraud on his part. The other law firm XXXX relied back as to they sent the account back as he was suppose to be there attorney. Ronald Reynolds should be investigated and his accountant methods as to how many people he rip off. He has no morals of no kind. I have also filed with other avenues to investigate him and XXXX XXXX XXXX   I will keep filing on Ronald Reynolds on other agencies on his  practices. he does not reply to disputes or nothing just collecting money he can to survive and mislead and deceptive in many ways. He was not giving XXXX XXXX XXXX the right amount of money and should be bought to attention as nothing but greed and lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.
Product: Credit reporting or other personal consumer reports

I did NOT authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE FINANCIAL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Product: Student loan

I refinanced my student loans in XXXX of 2018. American Education Services was one of the loans that I refinanced. The 3rd party sent a check and there was an overpayment to AES in the amount of {$390.00}. I have yet to receive those funds from AES, it is almost a year. They stated they sent the original check to the 3rd party in XX/XX/2018 ( unlike all other student loan companies, banks, financial servicers who refunded to me directly ). I called in XXXX, XXXX, XXXX and XXXX. I spoke with many representatives and supervisors. Each time I was assured I would receive a call back, as none of the representatives in the customer service area could answer my questions about the address the funds were sent to, how me and my account were referenced on the check, how they knew what address to send the funds too and if the check was cashed ( which I kept receiving varying information ). AES refuses to send the overpayment to me directly, and will only send to the 3rd party who sent them the original check to payoff and close the loan. I believe this practice is a violation of UDAAP ( unfair, deceptive, abusive, acts or practices ), as the 3rd party has stated they never received anything from AES, I have not received the funds and AES appears to not reconcile their records as they have an outstanding check for almost a year. I also believe this is a UDAAP violation, because during one of my many conversations with AES, I was advised the check to the 3rd party included other customers funds as well. I am not the only one this is occuring to. I am willing to bet there are quite a few people out there who have yet received their overpyament from AES. 
Finally after a CFPB complaint in XX/XX/2018, AES stated they re-sent another check to the 3rd party. Still nothing. I need to know where AES mailed the funds, how they referenced me and my account with the 3rd party and if the check has been cashed. If the check has been cashed ( which again the 3rd party has stated they never received anything ) I need a copy of the cashed check and the information above. If the check has not been cashed, I believe the only recourse for AES is to overnight me the overpayment directly.
Product: Credit reporting or other personal consumer reports

I have a credit monitoring service called XXXX that monitors my service. On my last credit report, the following addresses are still associated with my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at these addresses. They belong to either my ex-wife or somebody else. 

I have attempted to remove these addresses numerous times with all three credit reporting agencies and have had my complaints closed because I have made previous complaints. Yet, the addresses still remain on my report. 

I do not consider this a duplicate complaint submittal until the addresses above have been removed from my credit report. 

Please remove all three addresses listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX