23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In short this debt / collections matter is fraudulent in nature. The original creditor sold this debt fully aware of my dispute, however over the past XXXX  years I have had this reported on and removed from my credit report at least XXXX times previously. The new collections company XXXX Source Receivables Management ) has presented a new account number and amount ( fraudulent ) and reported to the credit bureaus. Note I have a pending disputes with the credit bureaus, however I feel they are complicit in allowing this.
Product: Mortgage

I have received an incorrect XXXX for XXXX from Caliber Home Loans. The property was purchased on XXXX/XXXX/XXXX for {$56000.00}, paid on for 11 years and sold at a short sale for {$20000.00} on XXXX/XXXX/XXXX. I have authorized my partner to talk to Caliber in trying to resolve this issue to no avail. This has been going on since XXXX/XXXX/XXXX and here it is XXXX/XXXX/XXXX. We have called at least 3 times but have been given the run-around by employees and supervisors. We have talked to Customer Service and Short Sale Department, but no one was willing to listen and re-send a corrected XXXX. We asked Customer Service to send us an itemization of how they came up with the {$100000.00}. We finally received the information requested a month later and quickly discovered the error made by Caliber. The amount written off on XXXX/XXXX/XXXX was {$52000.00}, and it was also written off on XXXX/XXXX/XXXX in the amount of {$53000.00}. Then, the XXXX were added together to total {$100000.00} which is supposedly the amount of debt canceled by Caliber. When I explained this to Customer Service who then explained to her supervisor, the response was they did not write the loan off twice and that the $ XXXX was fees and actually hung up on me. This is totally bogus and should be corrected immediately so we can file our XXXX income tax return. I have attached a copy of this itemization and underlined the errors along with XXXX XXXX. 
I will not be able to testify at a hearing because I am the XXXX for my wife who was XXXX and would not be able to travel to XXXX, TX. 
I would like Caliber Home Loans to overnight a corrected XXXX for XXXX. 
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.
Product: Checking or savings account

I have a checking and savings account with navy Federal Credit Union. I also have a car financed through them. They were not on the title and I didn't know that. The only way I found out is someone opened a checking account in my name at a different bank so I changed my account number with my bank. That's when I found out my account was flagged for this reason. The next day I went into the branch and filled out the necessary paperwork and waited, only for it to be kicked back, not once but twice because it was filled out incorrectly by the employees. I have gone back for the third time ( I filled it out myself ) so now I'm waiting again. I have asked for them to remove the flagged and give my overdraft back. They keep saying they are trying to get reconsideration for the flag to be removed. It should not be there! it is their fault why they're not on the title. No employee is being held accountable, just me. The one who has done everything right! I want this flag lifted immediately!
Product: Debt collection

I've received repeated calls from the identified collections agency requesting my personal information and failing to provide any information about the debt. They claim to have also sent physical mail, which I have not received. When I asked for a license number after reviewing the CFPB website, they disconnected the call. I called back, but they refused to give me a license number over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As dated, XXXX THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Product: Credit card

I have been a loyal US Bank/Club Carlson credit card holder since XXXX '13. Initially I was attracted to this card due to the " Bonus Award Night '' that was offered along with Gold membership at the hotels. My husband and I have stayed at your properties around the world and have aligned our spending and stays with your locations. I was dismayed to hear that the best perk of the card, the one that set it apart from the competition, was being cancelled and replaced with a substandard offer. I pay my annual fee this month and your decision to cancel this benefit has forced me to question my relationship with your brand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 
I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXXXXXX XXXX XXXX, I received a letter and a bill from Mosaic solar saying that I owed them about {$26000.00} with a monthly payment of {$160.00}. I was extremely concerned because I have never applied for solar panels and much less want them because they would look ugly on my house. I also noticed that my bank account was charged the monthly payment of XXXX. I immediately disputed the charge with my bank and received my money back. Mosaic XXXX has called me multiple times and have sent me multiple emails and bills trying to collect on the loan. Every time they have called, I have told them the loan is not mine.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention multiple incorrect addresses listed on my credit report. I have never resided at these addresses and have no knowledge of them. I believe these inaccuracies are a result of identity theft, as multiple accounts, loans, and credit builders were opened in my name without my consent or knowledge. 


I have been a resident at the following address for the past 5 years and 5 months : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX However, upon reviewing my credit report, I discovered the following incorrect addresses associated with my name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can assure you that I have never lived at any of these addresses nor had any financial dealings associated with them. The inclusion of these addresses on my credit report has had a detrimental impact on my creditworthiness and financial reputation. 


I kindly request that you update your records and remove these incorrect addresses from my credit report. Furthermore, I urge you to conduct a thorough investigation into the fraudulent accounts, loans, and credit builders that have been opened in my name without my consent. 


I have taken the necessary steps to report these fraudulent activities to the appropriate authorities, including filing police reports and placing fraud alerts on my accounts. I have also contacted the following financial institutions listed on my credit report, which were involved in authorizing these fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I kindly request that you work with these institutions to update their records and reflect the fraudulent nature of these accounts. 


I understand that resolving this matter may require some time and investigation. However, I kindly ask that you keep me informed of the progress and provide regular updates on the status of my dispute. 


I appreciate your attention to this matter and your assistance in rectifying the inaccuracies on my credit report. Please feel free to contact me at the address provided above or at [ Your Phone Number ] if you require any further information or documentation. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america Account report # XXXX violated my rights 15 U.S.C 1681 section 602 A.States i have the right to privacy Today card XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have the right to privacy
Product: Checking or savings account

The fraudulent incident happened on XX/XX/XXXX, at XXXX pm more or less in which appeared XXXX unrecognized and unauthorized transactions of {$400.00}, {$160.00}, and {$3800.00} made to a commerce by the name of " XXXXXXXX XXXX XXXX XXXX. Then, my father and I called the bank to notify them that there had been a fraudulent incident and wanted them to cancel the card, activate a new one to replace the one with the fraudulent transactions, have the money lost in the transactions accredited back to my account, and for evidence regarding the transactions. We then spoke the next day with another 1st bank representative to get an update on the situation, and the person then informed us that the full information of the transactions takes a few days to reflect on the bank application. We did this process XXXX times with customer service representatives by phone following the instructed procedures by the bank. After that, they sent us a physical letter on XX/XX/XXXX in response declaring that : " the claim related to the transaction ( XXXX ) detailed below do not proceed. The documents and further evidence demonstrate that the following were made processed correctly '', with which we did not agree at all due to the fact that in that same letter, no true evidence of any of the transactions being authorized correctly was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a credit repair agency and actioning myself to clear fraudulent and inaccurate information. XXXX has actions and respected all findings to be true my score is XXXX points higher. Trans Union refuses to accept, action, remedy, or follow up with any dispute this far two years into the process. I contact them and just get pushed to order a credit report. I try to dispute directly with the bureau, and the dispute step is frozen, and I can not move forward with any complaint.
Product: Debt collection

I am simply a victim of identity theft False credit report showed up on my credit. 
I just simply want to resolve this fraudulent transaction. 

With Westlake Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Product: Money transfer, virtual currency, or money service

I was contacted by someone whom at the time pretended to be a XXXX representative, soliciting part time jobs as a mystery shopper. I expressed interest and a few days later a envelope arrived at my residence with a money order for {$1000.00} and a document with instructions. 
The instructions explained that I was to cash the money order at my bank and using the cash, purchase {$800.00} worth of XXXX gift cards. Then photograph these cards, and text them to a number provided. Fill out a VERY brief summary of experience and that was it. 

So I did so. Then the following day I received another envelope with 3 more money orders. The same instructions were enclosed. I went to cash the money orders and the teller at the bank explained that they were fraudulent. At that time I realized what had occurred. My bank account deducted {$1000.00} from my checking account when the money order came back invalid. 

I was shocked it was able to be cashed in the first place and explained that they should be responsible considering they failed to acknowledge the first fraudulent money order. 
I have been on the phone with them for days and they have refused to help financially. They have also been unusually rude and have had to deal with numerous failed attempts to even speak with someone about this. 

If someone can help, please reach out! 

Sincerely, XXXX
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX to set up a settlement on a XXXX loan thru XXXX. When I contacted them to ask for an extension I was constantly threaten over the phone with XXXX XXXX and also XXXX my XXXX XXXX income these threats do not comply with the FDCPA ( fair debt collection Law ). I had already made a payment to them and still would not work with me also. FDCPA and TCPA where not fully disclosed and I feel as these laws where broken by this company.
Product: Debt collection

Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would  have had to illegally obtain information to even get their contact information. The only person associated with the account is me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$1500.00} XXXX  XXXX XXXX {$11000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} STATE XXXX {$2500.00} COMNWLTH XXXX {$780.00} STATE XXXX {$9300.00} STATE XXXX {$2600.00} XXXX {$30.00} XXXX {$690.00} XXXX {$2300.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I called Avant Customer Service spoke with XXXX XXXX she stated that she worked for a 3rd party company on behalf of Avant ) to report fraudulent charges and request that my account be closed. I stated " I do not want new card ''. 

Emails sent to Avant customer service XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX all requesting that fraud charges be looked into. I had also called several times throughout the day and hold times are ridiculous. 

I logged into my account on XX/XX/XXXX, on my dashboard it stated that I had applied for a credit card on XXXX and XXXX. I called customer service and spoke to XXXX. He would not provide an ID # or anything else except his first name. I was very clear in the fact that I DID NOT apply for any credit cards with Avant. he stated that I must have clicked on something on the website! Are you kidding me??!! I did not and was clear that someone was doing this with my information. My account was not closed as requested on XX/XX/XXXX. i requested the account be closed due to fraud. XXXX would NOT close my account. 
This account was paid in full months ago and I do not use this card. The dashboard also states that i should activate my new card. I have never received a new and do not want one. 

Avant is egregious in its business practices, does not provide the consumer with mandatory information ( no letter or any type of communication was received that a fraud investigation was completed on my account ) and refuses to close accounts upon consumer request. As well, I have requested XXXX be removed from my account as my balance was XXXX months ago when I paid it off. 

This company is disgusting at best! I want my account closed, the XXXX removed off the balance and they need to be investigated. Complaints have been filed with several bureaus
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent as there are inaccurate accounts on my file.
Product: Student loan

Received mail from Aidvantage saying I owe money towards a federal student loan. I never received federal or state assistance nor have I ever even qualified for federal assistance with student loans. I have been paying off a private student loan since 2022. I have not taken out any other student loans. The loan through Aidvantage is fraudulent, I need this to be disputed.
Product: Debt collection

I receive calls from them 7 days a week at all times a day. Sometimes before XXXX XXXX  and sometimes after XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

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

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine STATE OF MI OFFI CHI XXXX not mine
Product: Credit reporting

Collection service center is on all of my credit reports which do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to Equifax several times (XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about unauthorized inquiries. addresses that were never associated with me and each person I spoke with was incompetent and refused to submit a dispute for the unauthorized inquiries. There were 4 addresses that I requested to be removed, and 10 unauthorized inquiries I requested to be investigated/verified, which were from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX (XX/XX/XXXX ) , XXXX (XX/XX/XXXX and XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX XXXX (XX/XX/XXXX . The agent I spoke with on XX/XX/XXXX gave me a confirmation number and told me address would be removed and the inquiries would be investigated and to allow 30 days for dispute results. On XX/XX/XXXX I received an emailed stating that the dispute was complete. Equifax online dispute system did n't allow me to check the results online. Which resulted in me having to call them, only to realize that only one of the addresses removed and none of the unauthorized inquiries were ever sent be investigated.
Product: Student loan

I paid Navient ( remaining total balance of over {$32000.00} ) to close out my account of a {$160000.00} mix of mainly private loans all from XXXX XXXX/ Navient ( 2005. ) I called with articulated problem ( closing account via payment in full, also requesting a transcript of the conversation - having money mis allocated before ... I just want verification that I 'm done. I look at my account - it says I owe over {$270.00} still, yet loans all read XXXX. It also does not give me the option to even pay the false amount I owe.
I only seek freedom from this oppressive bullying, I have never been able to accomplish IBR or foreberence ( paid for, not fully awarded to me.. ) Which is in previous complaint after great amounts of overlap and false bullying and threats to credit and collection from my grandmother - co signer.
Please help me close this thing and have record that I 'm free? Thank you for all of your time. - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

try to stop but they charge me for that procedure. They say for stop 'I have to send mj to> TXT stop to end the texts.They send all time this promotion