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

On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX company in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020 they are still reporting inaccurately.
Product: Credit reporting or other personal consumer reports

to my consern iam writing to request the removal of unauthorized credit inquiries on my XXXX  credit report my latest credit report shows 12 credit inquiries i did not authorize Equifax 11 credit inquiries i did not authorize
Product: Mortgage

I have been dealing with Fay Servicing for about two years. The loan status is currently in default, but this is because of fraudulent action. The original creditor admitted in writing that we were current and on time on payments, but filed foreclosure on us anyway. Foreclosure mess has been ongoing for nearly 13 years in total. The current issue with Fay Servicing is that their actions now fall under harassment. We get calls almost every week from their autodialer system, and when a Fay representative gets on the phone, they are asking me why I called them, when I didn't call them. Every time I ask them questions, I get contradictory answers. Within the first two months of speaking with Fay Servicing, I had been told no less than seven different asnwers to the question of " who owns the loan ''. It keeps changing Two weeks ago, I was told that XXXX XXXX is the investor. The week before that, Fay Servicing told me the investor was XXXX XXXX XXXXXXXX, which is a trust. I have received paperwork from Fay Servicing identifying itself as the mortgagee. This issue is currently pending before a court, and within 45 days, Fay Servicing will send me completely different answers as what they just provided to the court. Fay Servicing claims multiple different amounts owed -- as much as more than {$70000.00} difference between them. Fay Servicing has informed the court near the end of XXXX that the original promissory note had been lost many years ago ... .Fay Servicing just told me in a letter from XXXX XXXX that the note was never lost. All Fay ever does is provide dishonesty. 

Fay Servicing is bound by state and federal law to provide only TRUTHFUL responses to these questions. They are literally trying to take my property and with every new lie, the rabbit hole gets deeper and deeper.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I signed up for a checking account with an attached bonus of receiving {$50.00} when I received a direct deposit of {$200.00}. I received a qualifying direct deposit on XX/XX/21, and received an email stating I would receive my {$50.00} bonus. XXXX  said that the bonus normally is added within two weeks, but can take up to 30 business days. I have not received my bonus yet and it has been over 30 business days. I have reached out to XXXX  multiple times with the promise that this issue has been escalated to upper management and they will reach out in 1-2 business days. I have been told this 3 times over the last week and a half and no one has reached out.
Product: Debt collection

On XX/XX/XXXX, I mailed a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX   XXXX, XXXX. requesting debt validation. I received correspondence from Resurgent Capital Services dated XX/XX/XXXX stating that XXXX XXXX, XXXX, has initiated a review of the inquiry recently received. On XX/XX/XXXX, I contacted Resurgent Capital Services regarding the alleged debt and was informed that a cease and desist was placed on the account. Since XXXX, I have communicated with XXXX XXXX XXXX, XXXX. and at no time did I request cease and desist. On the contrary, my correspondence has specifically demanded debt validation. On XX/XX/XXXX, I again demanded debt validation from Resurgent Capital Services. On XX/XX/XXXX, I contacted Resurgent Capital Services again and informed them that I have not received the validation letter. The representative reported at that time, that while my account had been flagged, there was no record that a validation letter was sent. 
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been almost two years, and I have yet to receive debt validation. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated to respond within the statutory time limit. Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. I consider your agency to be intentionally ignoring my requests, therefore I am submitting this letter to the Consumer Financial Protection Bureau. 
In addition, I would like to remind you that collection agencies are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. Despite this, XXXX XXXX, XXXX. has continued to update the alleged debt to all three credit bureaus ; on XX/XX/XXXX, it was updated with XXXX and XXXX. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws.
Product: Debt collection

Received a THIS IS A LOAN check in the mail from 1st Heritage approximate amount {$1500.00}, deposited to account and made 5 {$110.00} payments and got behind 2 payments. Branch manager came to my HOUSE and left handwritten threatening notes in my mailbox spring of XXXX during XXXX! When I called to ask why he was putting things in my mailbox he replied I walked up and knocked on your door too. Spoke with district manager who profusely apologized said no one should be knocking on your door or coming to your home to demand payment told me that I could keep making payments and account was in good standing. Made 3 more payments that never credited to account and 2 years later ( XX/XX/XXXX I receive a notice that my paycheck would be garnished for {$2000.00} XXXX from an attorney so called 1st heritage and got the same branch manager and I requested a copy of my payoff because I thought I had paid the loan off in full he told me to prove it and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter stating there was inaccurate and erroneous items on my credit report. I has been over 30 days and I have nor received a response.
Product: Debt collection

I request to remove the inaccurate accounts being reported on my credit file.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenaci ; ous rebelliousness. XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX SXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Product: Student loan

Working with Earnest on my XXXX XXXX XXXX, I've had autopay setup for some time. I changed the pay-from account and noticed autopay was turned off, and it adjusted my rate without telling me. After noticing that the account was now off autopay, and the payments had fallen behind, I called on XX/XX/XXXX, Customer Service to reinstate autopay, and my interest rate would adjust back. I went through the process, approved them to pull from the account, verifying through contract signing again, and supposedly autopay was reestablished, and I moved on. I received a letter after long travel and saw they sent me a note that the account was past due, and to avoid further action, to pay. I went online and paid it after opening the letter same day, noticing the previous amount was never autopayed. In a prior call in early XXXX, I was told by their agent that they try to resolve and do not report to an agency, that being my chief concern as we fixed this issue in their system. Logging back in, it said " rejected '', but no reason for that - it certainly wasn't for insufficient funds, etc. It must have been a setup issue on their end, as I paid the full outstanding balance on my end with the same pay-from account. I woke up this morning to a credit alert. They reported me to the credit agency on the XXXX ( I paid in full on the XXXX ), destroying my perfect credit score by more than 90 points. They were unhelpful, you're not allowed to setup reoccurring payments and even autopay can't be trusted. I can only surmise this is a tactic to charge a lot more interested, and fees to generate revenue. They've now harmed me deeply, even though this is their fault. I'm tremendously disappointed and disputing with the credit agencies, but their service is meant to scam and prevent those from paying their loans. They also call from different numbers, which many phones identify as spam to cover themselves and say they called.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the inquiries that I never authorized to happen. 
CAP ONE | XX/XX/XXXX CAP ONE | XX/XX/XXXX CAP ONE NA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
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 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting credit act account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A : states I have the right of privacy.

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 my son was playing on my phone while i was sleep and i was unaware that that he applied for a credit card until i woke up the next morning with to a notification of a hard inquiry. Unaware of this suspicious activity i called to report this with the company and was told that it was absolutely nothing then can do because it came from my device. Puzzled and lost of understanding i ask and expressed that it wasnt me who applied for this loan in fact they did not have my consent ( wet ink signature ) to even handle this private credit transaction ( as i am a natural living GOD created MAN I hold all rights to MYSELF, AND PRIVATE PROPERTY IN TRUST ) .FUTHERMORE with a attitude and poor customer service i was told to change my password on my devices and not let my child play on my phone, and they proceeded to to lock my account with out my permission, and being as thought it was the weekend i had to wait til monday to call back to speak to someone else who was nice enough to help me gain access to my account...
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informed Dimand Law PC ( XXXX XXXX ) that this lawsuit was out of spite because it did not not belong to me it was fraud. XXXX and XXXX lied about the removal of the negative item and erroneous ; y reinserted the item through a lawsuit, Sent a copy of the complaint showing that XXXX agreed to remove the information from my report. Law firm ignored my rights and pursued the lawsuit. I do not live in XXXX XXXX Illinois and I informed them of that and they still pursued the lawsuit. They sent law enforcement as well as debt processor to an address that I do not reside causing an alarm in the neighborhood. Residence in the neighborhood are on high alert due to the actions of Dimand PC, XXXX XXXX XXXX XXXX and XXXX. All three entitys are running a criminal enterprise preying on XXXX XXXX XXXX people by trying to collect on old charged off credit cards debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my report on XX/XX/XXXX and I have a inquiry from XXXX XXXX and I have had my account with them since XXXX its fraud and they wont take it off.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, Ally sent me a notice that I ( as a non-spouse beneficiary ) was entitled to receive an inherited traditional IRA ( number XXXX ) b/c of the recent death of my XXXX ( XXXX XXXX XXXX XXXX. 

In its mailing, Ally stated that I could create an account for myself at Ally or that I could do so at another institution. But, when I elected to do so at another institution, Ally created endless hurdles of confusing forms and contradictory written and spoken instructions. Ally Bank is wearing me down with red-tape. 

The funds remain at Ally despite that fact that I filled out their form ( precisely obeying Ally instructions ) directing them to send the funds to my institution. I supplemented that with a hand-written letter. 

I have hard-copies of all documents. I do not have scanning capacity at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, please block and remove under 15 USC 1681c-2.
Product: Student loan

Submitted Employer verification form for XXXX on XX/XX/2022. Mohela took XXXX XXXX to process application and denied stating my employer entered an end data on the application. This information is inaccurate. The form has no end date and is clearly marked by my employer " Still Employed '' on full time basis and continue to work XXXX per XXXX
Product: Credit reporting or other personal consumer reports

This is my refilling and requesting for the reinvestigation to XXXX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit card or prepaid card

My personal information was stolen from me dealing with master card headquarters an bank of America stealing my identity data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, and XXXX  and XXXX XXXX   XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX open XX/XX/XXXX {$430.00}, XXXX XXXX XXXX, XXXX open XX/XX/XXXX {$1000.00} remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation. The loan was open on XX/XX/XXXX. The company continues to furnish incorrect data on the credit report. The company was informed of the vehicle location. The company failed to retrieve the vehicle. Negative reporting continues to affect the credit file. XXXX XXXX XXXX was high in miles. Made company aware of Mechanical Difficulties. The company failed to return phone calls or retrieve the vehicle. The company continues to furnish information on the credit profile. The vehicle was resold, and no disposition was sent to the address. The violation of the credit reporting act FCRA and OCC, the company continues to be non-compliant., Requesting a re-investigation compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these accounts removed off my credit reports because of fraud, all these accounts were open fraudulently, my information was exposed in a data breach with XXXX, these creditors are providing false information to experian and XXXX, I will provide a ftc identity theft report, and my personal information to block these accounts once removed, XXXX XXXX remove this account, I called because a card was sent out to me for an account I did not open remove this account I ask XXXX XXXX to remove this because its fraud, XXXX XXXX XXXX XXXX credit card remove this XXXX XXXX XXXX XXXX has committed fraud against me, enhanced recovery for XXXX dollars original creditor XXXX this account is fraud because XXXX leaked my information on the dark web, I have filed complaints with both attorney general in ga and XXXX  XXXX, XXXX credit card please remove this account is fraud my information matched because someone open this account fraudulently, XXXX XXXX car loan, remove this account is was open fraudulently using my information because of XXXX XXXX breach, XXXX  XXXX
Product: Payday loan

I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.
Product: Credit card

I got this credit card flyer, I applied for it I was denied, I do not know why I was denied when I keep so much balance in my chase business bank account after I was denied. 

I received another flyer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states they received this public record information from XXXX which by the way does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). XXXX submitted a deletion letter XX/XX/XXXX to Equifax, XXXX and XXXX to delete this inaccurate public record. XXXX deleted XX/XX/XXXX and XXXX deleted it XX/XX/XXXX both have removed the tradeline but left the one account associated with it ( XXXX XXXX ). Equifax has refused to delete it. I submitted the letter XXXX mailed to me that they submitted to all XXXX bureaus. They said they would not accepted it. I called XXXX and explained the problem. XXXX stated they would submit an escalation electronically to Equifax to remove the tradeline. Equifax still has not remove it. I asked several times to received the information that the court submitted to them and the information XXXX submitted to them. I have not received any documentation at all. I have submitted the XXXX letter to remove the public record ; the deletion reports from XXXX and XXXX.