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

I request a dispute of hard inquiries on my credit report with Experian and was told by management team members that I could not dispute the inquiries and that they would have to remain on my files for XXXX years. I said these companies I have not requested services from. The team member said let me tell you how it works, at which point I ask to speak to her XXXX. who also said XXXX you have these inquiries from shopping at XXXX and purchased a vehicle in XXXX of XXXX the dispute was not filed, I reviewed my history with XXXX only to learn my purchase was only with their company because they have their own financing within the company. and my vehicle was purchased on a different date than what's on my credit report. I feel as a consumer I should have the right to file a complaint regardless of the outcome. and I don't think these people are lawyers.
Product: Credit card or prepaid card

I received a new XXXX Card from Chase Bank. When I tried to access my account online Chase refused to allow me to have access without agreeing to accepting electronic billing. I do n't accept electronic billing from anyone and as has been proven over and over none of these companies can protect our data. I get paper billing for everything. The only thing save anymore is the US Mail. All  Chase is trying to do is save themselves money at the consumer 's expense. I have had an XXXX  Chase account prior ans was not forced into accepting everything electronically. They still have all my personal information and are blocking my access to it.
Product: Credit reporting

To whom it may concern, Previously credit report has been deleted from my credit report because of identity issues and violation of the fair reporting act. And has previously been reinserted back on my credit report
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Request for Debt Validation Dear LVNV FUNDING I am writing in response to your communication dated [ date of the letter you received ] regarding an alleged debt. I do not recognize this debt and am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ).

Please provide the following information : 1. Validation of the Debt : The name of the original creditor.

The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges. 
Documentation showing that I owe this debt and your authority to collect it.

2. Proof of Ownership : Copies of any agreement that bears my signature and establishes this debt.

A copy of the assignment or transfer agreement if this debt has been sold or transferred.

3. Details on Collection Rights : Evidence of your authority to collect debts in my state, including any applicable licensing information.

Under the FDCPA, I have the right to dispute this debt and request verification before making any payment. Please note that any attempt to report this debt to credit reporting agencies without proper validation would violate the FDCPA. 
Additionally, I request that you cease all communication with me about this debt, except to provide the requested validation information or to notify me of specific legal actions. 
Please respond in writing within 30 days of receiving this letter. Any future communication should be sent to my address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for inaccurate information on my credit report, as reported by Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report : The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$250.00} ) was never late. I kindly request that this inaccurate information be corrected or updated on my credit report. 


The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$580.00} ) is not mine. I request the immediate removal of this account from my credit report.
Product: Payday loan, title loan, or personal loan

In XXXX, I was working full time, with the hopes of starting a small business. I was offered a {$10000.00} loan from Avant, but ended up losing my job & having some additional issues that caused me to not be able to maintain the payments on my loan. Upon realizing that I would not be able to maintain the payments I contacted Avant via their website and explained my situation, I attempted to create a deal that I could maintain while I got back on my feet & received no response. With no money and no income I ended up defaulting on a loan. This was over the course of 6 months. From losing my job in early XX/XX/XXXX, to defaulting in XX/XX/XXXX. The credit score that I had built up over time was destroyed. I have since built my score up to XXXX, but the late payments on my report are negatively affecting my score. I have current accounts, that have been in good standing for over XXXX years as well as maintained a Car loan for the last XXXX months, which is a higher monthly payment than what I was paying with XXXX.
Product: Student loan

For 2-3 years, I have attempted to negotiate a fair, affordable payment with my loan servicing company -Fed Loan -. Despite phone calls, payments, applications, deferments, forbearances & budget submissions the company keeps demanding a payment amount that is double what I can afford. I'm at the point where I feel like the whole thing needs to be forgiven, so we can all start fresh. 30+ years of debt & interest accumulation is unnecessarily burdensome. Signed Borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or remove the following inaccurate items in my file 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXXXXXX - XX/XX/year> :
Product: Mortgage

I have been approved for a HAMP tier 2 permanent modification of my loan with OCWEN. I have made all three trial payments, have sent in paperwork and they have yet to update my information or send me a copy of the loan documents and my account states that I owe another ( 4th ) trial payment, which is erroneous based on the hamp trial payment terms. I have to wait days, sometimes weeks to speak with my " relationship manager ''. I want resolution. I want answers. I want them to get their act together and behave responsibly when dealing with the financial fate of others. They are capricious and erroneous. This is my second complaint with CFPB regarding Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint Is against Target who failed to Give me the opportunity to negotiate and or inform me that when I paid my charged off debt in full including interest would not be deleted from my credit report for 7 years. I am cleaning up my credit getting my life back together and Other creditors are deleting the charged off debt when paid in full. So why cant target? They are choosing not to. I am filing this complaint so Target May resolve this issue by doing the correct thing and deleting this charged off remark on my credit report.
Product: Money transfer, virtual currency, or money service

I received a payment of {$2200.00} dollars on XX/XX/2023 and Venmo suspended my account when I tried to transfer it saying my card was linked to another account and I never gave anyone authorization to use my card for anything and now I submitted multiple times my bank statements they were asking for via email and they are saying that that's not what they are looking for. The last lady I spoke with said an email would be sent in 5-7 business days. I received an email saying upload my ID and bank statements in the next few days and I did exactly what they wanted me to. I am positive it's the right card and the statements they repeatedly asked for and they are saying it's not what they need and it shows it is and the last four digits of the card is on the transactions list as well. They are not specifying what exactly they are looking for and at this point I don't think they are looking for anything. My funds are still stuck on this account and I had to pay rent since last week. They repeatedly send an email saying it's not what we are referring too but it definitely is. I submitted a ticket on the venmo account today because that's the company I'm referring to. I told them what I'm telling you now and I'm getting frustrated because I also uploaded the files as well. They are so vague and not explaining to me why they are just holding my funds. " This cause tremendous amount of stress and can possibly lead to eviction if my landlord pushes the issue. " Please unfreeze my account. I gave you guys everything you requested and asked for. " Exactly what I told them and they are still doing nothing and saying that the ones who can unfreeze my account is unreachable what app does that? Who just holds people funds and say it's nothing they can do?
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It's been a while since I took action, and so far, there has been no resolution. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.
Product: Checking or savings account

On XX/XX/XXXX, my bank account was closed. When I went to the bank to ask for an explanation, I was told that they have the right to close accounts without providing a reason. Currently, I have approximately {$5000.00} locked in my account. I inquired about when I would receive my money and was told it would take approximately two weeks.. It has now been 65 days, and I still havent received my money. I am an international student who recently graduated, and I have not conducted any unusual transactions. At present, I am unable to pay for rent or buy food, and I urgently need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

On XX/XX/XXXX we requested a partial release from Shellpoint Mortgage. We were told no more than 30 days to process. 30 days later we were told there was a Gap in the assignment chain and they were sending off for it to be resolved. XXXX went by with no changes. We were then told at the beginning of XXXX they had received the document and would be sending all documentation off to the county to be recorded and we would be good to go. I was in contact with the county and it took almost 2 weeks for them to receive it. Once received they never sent the partial release. Only a new assignment of mortgage. Were now over 60 business days and over 90 calendar days since the original request and nothing has changed. Weve called and emailed repeatedly with no success. I would never recommend this horrible company to ANYONE FOR ANY REASON!!
Product: Checking or savings account

My name is XXXX XXXX and I've been a Bank of america customer in good standing since XXXX. Around XXXX XXXX XXXX I went to use my ATM card to get cash which was successful and then I went to XXXX in XXXX, Maryland and tried to use my card and it was denied so I tried a second time also denied. I received a text and it was from bank that I needed to call do to security problem. Called number and was asked several questions and was then told you are okay and you can use your card now. Tried again and it was denied again so I gave up and returned to my car. Called bank number from my car and they told me to go to my local bank and tell them what's going on. Went home, fed dogs and proceeded to drive back to my local bank. Once inside I talked to clerk and he said something wasn't right and I needed to talk to manager. I went and waited and manager came over told me to have a seat and asked me where all did I use my card and I told him and he made a call to corporate office and then he asked me if I wrote anf checks today and I said and he said well a counterfeit/fraudulent check was written by me today and they were proceeding with closing my account. He told me to go home and call this number to corporate office. I was shocked and upset and once I got home I thought what am I going to do, no bank, no money till XXXX  of month. Called number and they were really nasty with me accusing me of something I did not do. They put a hold on my account until they could close it, told me to cut up bank cards and checks and I had no more access to my account. So, thank XXXX for friends who loaned me money to make it a month without. XXXX  XXXX XXXX my tax money went to bank of america and I can't get that either. I'm really stressed and upset, really put me in a hardship position.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I disputed multiple accounts on my credit report that were not properly investigated. I myself did not receive information requested by the credit bureaus. There was no information proving these accounts were in fact my accounts and what proof there was to verify it. This is violation of my rights and I ask that the cfpb investigate and have these accounts removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX - partial account numbers XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to close my kikoff account I can't even use it in this hard times of financial stability yall can't help me use the money I need to I want my account closed because I never used the credit that was given to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing that I work at XXXX XXXX  which I left in XXXX. Also It shows that I work at XXXX XXXX XX/XX/XXXX. I currently work for XXXX XXXX XXXX. I would like this information removed from my credit report.
Product: Checking or savings account

I received a debit card from Chime in the mail. It looked like an advertisement but decided to call them to confirm it wasnt fraud. They advised that someone with my name, address date of birth, social but different email opened an account. 

They flagged it as fraud but wont give over the source of the direct deposit ( so I can contact that person ) or the person email address so I can give it to the police. 

They allowed someone to open an account with insufficient identification ( no ID, no copy of social ). They do not have controls in place.

They also do not have a way to speak with someone. All correspondence is via email or the app. They wont speak to me unless I email them a copy of my license ( I don't trust them with my personal information ). 

Let me know if you need the account or routing #.
Product: Student loan

As requested, I sent a detailed explanation of my situation to AES for them to forward to the lender. This was nearly 2 months ago, and I still have not heard back from anyone, other than to continue with the threatening & harassing emails, phone calls, and letters ... to both me and my elderly mother! They have completely ruined both or our credit scores.     The last correspondence I have had with them was back on  XXXX   XXXX  : " A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. '' It is now  XXXX   XXXX , and I 'm still waiting to hear from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on 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 tenacious rebelliousness. 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

In XX/XX/2023 My credit score was around 740 or better on all three credit reports to include TransUnion. After I paid off a couple of credit cards some review TransUnion did got two of my my accounts closed the greatly impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  outright lied on a letter submitted to FCC, states that I called to reinstate service on tablet after I cancelled service. I never called to reinstate, consequently continues to bill my account, then placed account for collection with Credence Reaource Management. This is not a valid collection account
Product: Credit reporting or other personal consumer reports

I have been sending letters to US DEPT ED for almost a year now and have not received a response from them. Despite previous attempts to resolve this matter, the erroneous information persists on my credit report. It is essential to note that under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), you are obligated to maintain documentation verifying the accuracy of reported information, that you have failed to provide. Additionally, you have neglected to adhere to the verification process outlined in Section 611 ( a ) ( 7 ), which requires the prompt deletion of unverifiable information. 

I am fully prepared to pursue legal action to enforce my rights and seek appropriate remedies for your willful and negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of a Class Action Lawsuit with XXXX XXXX which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that XXXX will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with XXXX which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and Experian that pertains to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i notices my account information was all wrong also my name was wrong which i believe they violated the privacy act of 1974 using third party 's with out my consent 15 usc 1681 b ALSO they have charge offs on my report which is considered a certificate of indebtedness which is income and need to be removed from my understanding its illegal to report transaction history, the company 's that has inquires on my report i gave no consent to report and i would like to opt out with all company reporting on my report except the three major credit bureaus 15 usc 6801/6805