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

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my account by XXXX XXXX XXXX XXXX dated XX/XX/2020. I have no business with an organization by this name, no exiting credit relationship, nor have I sought to obtain a credit relationship with this company. I contacted the company on XX/XX/2020 to ask why they were inquiring on my credit. Their response was that they have nothing to do with any credit reporting. I told them that they must be interfacing with credit reports because their name, address, and phone number is on my report. They then asked for my personal information including SSN to research me. I refused to provide the information because they had previously stated that their company has nothing to do with credit reports and would not have an inquiry on my report. This appeared as suspicious and potentially fraudulent to ask for my information. My credit score was negatively impacted by this hard inquiry that this company enacted against my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUAFAX CONSUMER REPORTS AGENCY LEAKED MY INFORMATION IN XXXX IN A DATA BREACH I WOULD LIKE COMPANSTION FOR MY EFFORTS TO TRY TO FIND WHO HAS USED MY CRIEDIT I DONT HAVE A CLUE WERE OR WHAT TO LOOK FOR AND THIS YEAR
Product: Credit reporting

I had made a complaint regarding this issue before I believe with Consumer Financial Protection Bureau Case # XXXX in which XXXX stated that they were going to put in my file that I had a dispute regarding their claim my payments were late. According to the records that esperian is displaying in their records there is no such statement and I still dispute their claim I was late. I remember speaking with customer service representatives in XXXX, XXXX or XXXX and there was an error on their part receiving and receipting my payments at that time. I am requesting that this information be removed from my credit report being this happened in XX/XX/2010 and I am under the impression also that in the State of Georgia that adverse information is suppose to remain on your credit report after six ( 6 ) years not seven ( 7 ).
Product: Debt collection

I got a notice of collection on XX/XX/2022 from Kingston Data and Credit International Inc that I owe XXXX XXXX ( XXXX XXXX ) {$210.00}. I would like to dispute this credit. It is not true. In early XX/XX/2022, I went to visit the gym to cancel my membership, but the manager accepted and suggested me to pause my membership for 6 months, and in case I would like to resume or cancel it, I can just come in and report them, so they can cancel without any more charge because they already charged me the XXXX fee. In XX/XX/2022, I went to report them, I would like to cancel it and no more resumes, and the manager agreed. 

From XX/XX/2022 until currently ( XX/XX/2022 ) I never visited the gym once. You can check my facility card login history to know the truth, and I also have no idea why I owe them {$210.00}. The amount is not true and the gym managers action is also unlawfully wrong to do so. He provided misinformation and tried to collect money by Kingston Data and Credit International Inc I emailed to dispute the claim to both Kingston Data and Credit International Inc and XXXX XXXX XXXX  XXXX XXXX ) as soon as I received their letter on XX/XX/2022.
Product: Payday loan, title loan, or personal loan

I contacted Mariner to confirm that I was paying the balance showing online. When I contacted the company speaking with XXXX, he indicated he would call me back soon as the computer was down. Well, a few hours later, no return call. I called back and though it was working hours, I received a voicemail and left a message and still no call that day or the following day. I got online to go ahead and pay the balance in which I initially saw upon calling was a little over {$2800.00} Well, a few days later, the balanced had increased approximately a {$100.00} dollars and the balance now was {$2900.00}, I did not understand the massive increase and when I called back and spoke to XXXX, he was telling me an amount that was not showing online. I informed him about the increase of the {$100.00} and he could not explain why the balance had increased that much and he claimed he was not seeing the amounts in which I was stating was on the account upon logging on. Well, when I reluctantly paid what was displayed for the balance, {$2900.00}, it then shows me that a remaining balance on the account that was not in the balance showing, it was {$120.00}, which made me pay {$3000.00}. I do not agree with this as the payoff balance as the account should reflect a real time balance and XXXX could not justify why this was not the balance on the account. I requested a manager and XXXX, indicated he was the manager of the store and which he is a poor representation for this organization. I called the corporate number ( XXXX ) XXXX to discuss that the balance that was showing on the account as a payoff, is not the amount that I paid, I paid more. left two messages on their voicemail and no return call. I also wanted to inform them that XXXX did not call me back to discuss the account as he indicated he would which cause me to pay even more than the {$2800.00} hundred that the account was originally reflecting as the balance as per my initial contact. When I called back, he could not tell me why it had increased over a {$100.00} for the balance, then he could not tell me why it was asking for more money when I paid the balance that was then showing of {$2900.00} then still telling me that {$120.00} is due to pay off the account which I paid. XXXX is not knowledgeable and is a poor representation of the company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXeeps posting information that was Discharged through Bankruptcy XXXX  XXXX.
Product: Checking or savings account

I had money in a cd account because it was being used as a deposit for the XXXX  XXXX XXXX credit card. Bank of america closed my account without telling me. I was informed that I was suppose to get a refund of {$110.00} which is the annual fee and the rest of the balance on my card. 
I also have money in a cd that is ending in XXXX. I have gone to bank of america twice and they refuse to releasee my funds. On XX/XX/2020 I went to bank of america and spoke with XXXX XXXX. He opened a case to have the funds released by XX/XX/XXXX. I then get a letter stating that Bank of america stating they are unable to process my request to release the funds for account ending in XXXX as the funds are currently on hold. I then went again to the branch on XX/XX/XXXX and spoke with XXXX XXXX who did the exact same thing as XXXX. To date I still have not released my funds. This is pretty egrigious because anytime they department that is holding my money is closed. So its like when am I going to get my money because the department is never open. Its been months since the account has been closed and bank of america is holding my funds, which is not acceptable
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the removal of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

*XXXX XXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regards to the incorrect items reported on my credit report. It has been well over 30 days without receiving any investigation results.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. As a result, there are several incorrect addresses listed in my personal demographic profile. I have sent in proof of my identity on multiple occasions to the credit reporting agency and as of to date, my personal data has not been updated to reflect the accuracy of my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.
Product: Credit reporting

I have gotten a letter from a debt collector for a loan outstanding that I never had. I tried to tell them twice, that this is not my account, nor have I ever had a loan not paid. 

The debt collector 's name is, XXXX XXXX XXXX, NJ. 
I called them and told them this is not mine, nor did I see it on my credit reports in past, so apparently they are using my name and old address on the claim. 
What can you do about this, it seems they just want to harass me no matter what.
Product: Checking or savings account

I have contacted Navy Federal several times regarding the 24 returned check/ach fees. They agreed to credit 11, however I explained the situation, and how I was dealing with XXXX. They also allowed a charge to go through on an account that did  not have overdraft protection. I have asked them to resolve their error, but they keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 WELLS FARGO DEALER SERVICES WELLS FARGO DEALER SERVICES, XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

As of date XX/XX/year> company name XXXX XXXX XXXX and XXXX XXXX XXXX are being reported to my credit. These accounts do not belong to me nor do we have any signed documents saying so. Ithas tremendosly affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit reporting agencies explaining, I am victim of Identity Theft and the accounts they have listed do not belong to me. Request the credit bureaus to remove any incorrect, inaccurate, or fraud information and accounts from my credit report. Also requesting them to investigate the matters because the account was not open by me, they came back as accurate. I am a victim of Identity and whoever has opened these accounts is suing my information without my permission. The fail to remove any items off of my credit report that i did not have any Assocation with. I recently we went to try and apply for a mortgage for a new home for my daughter and I. Just to know all my hard work and earnings will not be able to get me into our dream home, because someone is using my identity. I have already filed a report with my local police department as well and the FTC. I just want to have my identity back and move on from this traumatic and devasting event. I am filing a complaint against XXXX, XXXX, and Equifax, for not removing accounts that were open under false pretenses. Someone is using my information I am unsure on how else to prove it beside the police report reaching out to different agencies to receive help. I just want my life back and a chance to purchase this home for my daughter and I.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX with Agent ID at XXXXXXXX XXXX  on XX/XX/XXXX. I contacted Toyota Financial today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in one to two business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX  {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX  {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00XXXX XXXX XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( 2 extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXXXXXX XXXX  {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXXXXXX XXXX  {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested 2 extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX  {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXXXXXX XXXX  {$280.00} XX/XX/XXXXXXXX XXXX  {$560.00} XX/XX/XXXXXXXX XXXX  skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/30, in response to an inquiry on XXXX XXXX  to see if I could qualify for a car loan, I received an email from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX requesting more complete data. At XXXX I called the XXXX number on the email, but did unfortunately not make note of the representative I spoke with. I gave her all the info requested, but in the course of the conversation she mentioned pulling my credit. I shared that I was just coming off a bankruptcy and expressly asked her to put a note in the file that they were ONLY to proceed with the application if a hard pull on my credit was NOT required. She said she would do that. That evening I got an email from XXXX saying that my application was declined, and also got an email alert from Equifax that XXXX XXXX  had in fact performed a hard inquiry ( AGAINST MY INSTRUCTION by phone and therefore UNAUTHORIZED ). I have emailed XXXX back and requested they remove the inquiry from my Equifax record and advise me when complete. I have not received a reply. I have been advised by Equifax that only a request from XXXX XXXX  can get this inquiry removed from my credit report.
Product: Checking or savings account

I've been having fraudelent activity on my bank checking account withdrawals I didn't do or authorize. They are all withdrawals from Bank of America atm. I discovered this started happening in XXXX at the end of XXXX. There are multiple claims I filed and was given temporary credit. The bank now says after researching that I am responsible and it will take back money that I was credited. I did not authorize any of these withdrawals and no one has access to my account. I received a new card from bank and it happened again ( withdrawal from my bank ). I also checked my credit report and there are multiple inquiries I didn't apply for. The first is XXXX XXXX XXXX inquiry date XX/XX/2021 and XXXX XXXX XXXX XXXX date XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Debt collection

I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Also XXXX has deleted this account from my credit report XX/XX/XXXX - XX/XX/XXXX, I need this to be honored across all credit bureaus Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 


15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights. 

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information about a credit card they have " re-aged ''. This item should be removed from my credit file as it is past 7 years old and there has been no account activity on this account for over 7 years.
Product: Debt collection

I recently reviewed my credit reports and noticed a collection account stemming from an XXXX XXXX   account that I have never opened. This account is being reported as a fraudulent account under my personal information.
Product: Mortgage

On an annual basis the mortgage servicer threatens me with thousands of dollars in gap flood insurance. Every year, I have to remind them to request the proof of flood insurance from my home owner association because my property is condo and the HOA handles the flood insurance.
Product: Student loan

I owe over {$200000.00} and the fees keep changing, customer service is extremely rude, and don't offer me much options to pay back for my loan. I took half-time courses during this past summer and Navient decided to continue with my continuation of loans when I took half-time courses just recently. When they were informed at first when I took half-time courses, I was told my loan repayment would be in effect till XX/XX/2019. All of a sudden, they decided to stop the grace period recently ( just last week ) when in fact I looked and researched that there is supposed to be a sixth month grace period when there was only three, which is unfair and unethical on their part. I know federal law requires that I have a six month period but what navient is doing is completely wrong and just not business professional like.