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

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I haven't done anything. was unaware I owed this kind of money to them. I go to the office every XXXX and I always pay my co-payment at the time of service, so not sure why I all of a sudden have a debt of {$1400.00} account number XXXX. 
If this is a debt I owe it will need to be set up on payments since I am living on a fixed income. 
Thank You XXXX XXXX the best way to reach me is via e-mail
Product: Debt collection

I received a letter today from XXXX XXXX XXXX out of XXXX FL claiming that I owe a debt for a payday loan. I dont recall taking out this payday loan. I contacted the creditor they listed on the letter and the creditor stated they can not locate any of my information or debt owed in their system and suggested its a scam. This letter is threatening, claiming to file a civil judgement against me and they could run a hard inquiry on my credit, they even have incorrect information on the letter about me regarding my credit score. I have already been a victim of identity theft at least twice, and i have police reports for those. When you look up their address, its a post office.
Product: Checking or savings account

I bank with XXXX XXXX, and was using XXXX ( the XXXX XXXX startup ) to invest in cryptocurrency. I have since decided to end that activity, and tried to withdraw funds from XXXX back to XXXX XXXX. I initiated the withdrawal of {$5600.00} on XX/XX/XXXX. 

A day later, I was told that the transfer failed and my account was frozen. This is all the information I was given. XXXX does not have a customer support phone number, and multiple attempts to reach them via email have failed. 

I have wired multiple ( much larger ) amounts through XXXX XXXX to XXXX, so I expect XXXX XXXX would recognize XXXX as a trusted source. Therefore, I believe the fault somehow lies with XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Vehicle loan or lease

My late mother, XXXX XXXX financed a vehicle through Santander several years ago. She unexpectedly died in XXXX of XXXX. I immediately contacted the company above and told them that she was in the hospital since XXXX of XXXX and was unable to make decisions or speak properly due to the medications they had her on for a XXXX  XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to advise the above that I have power of attorney over her and attempted to make a payment on her car, which did not go through because when she died, probate kicked in and XXXX  XXXX XXXX immediately locked/seized all assets. I wrote them a letter advising them that I could not access any funds until probate was filed in XXXX XXXX court and that I would be interested in them taking the vehicle since I could not handle it until the judge made his ruling. We still have not been able to file her probate and are about to. The vehicle sat at my property this entire time and nobody tried to come get it politely. On XX/XX/XXXX my grandmother borrowed the vehicle to move belongings from her storage and drove it to XXXX Tx where she went into a XXXX for XXXX mins, tops ( this was confirmed by a XXXX XXXX XXXX Sheriff ). The sheriff advised her that the vehicle was towed away/repossessed. When I tried to call Santander, the staff was very rude and adamantly refused to speak to me because I was " not the account holder ''. I would have been happy to provide legal documents, death certificate, etc. They left my XXXX XXXX XXXX XXXX grandmother stranded out of town and one agent told me I could speak to the estate department, the last one that I ended up having to get nasty with was the one who refused to speak to me. I feel that this is an illegal repossession, as they took belongings that I needed from the vehicle *XXXX XXXX XXXX XXXX XXXX XXXX XXXX* and refuse to tell me how or where I can get my family heirlooms and medication out of the vehicle. They completely stonewalled me and disregarded the probate law by illegally sending out stalkers/PI/spotters to stalk my grandmother out of town. I will be looking into legal action against this unscrupulous company. Please fine/close them down so that they do not target other families that have lost a relative that mistakenly financed through these crooks!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX because TransUnion stated they verified this Acct. as accurate. I spoke with XXXX XXXX, Rep. and I asked her why are these Acct 's still reporting Negatively/derogatory. My recent report showed it was in Collections, but the Cares Act has placed ALL Student Loans on Pause. No Collections of any kind, no Negative Reporting until XX/XX/XXXX. I asked the Rep what was the first date of Delinquency and she replied XX/XX/XXXX, and stated that this was Acct. was SOLD & Repurchased again back in XX/XX/XXXX. So the original date placed with them was incorrect. I was never informed that this Acct was Bought and Sold. I asked her how was this possible. She informed me that I can Start a repayment plan now or wait until after the Cares Act expires. XXXX XXXX XXXX have removed this Acct. from my Credit File, and I am Demanding that XXXX Remove this negative reporting from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX, XXXX XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, has violated my rights. 

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. 

Please delete from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax want let me Dispute these fraudulent items. When I call them they tell me they cant verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion continue to report the status of the following accounts as Account not disputed. XXXX XXXXXXXX partial account number XXXX ; XXXX XXXX partial account number XXXX and XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXXXXXX partial account numbers XXXX and XXXX ; XXXX partial account number XXXX ; XXXXXXXX XXXX partial account number XXXX. XXXX  continues to report the status of the following accounts as Account not disputed. XXXX partial account number XXXX and XXXX. XXXX and Transunion continue to report the status of the following account as Account not disputed. BONDED partial account number XXXX Transunion continues to report the status of the following accounts as Account not disputed. XXXX  partial account number XXXX and XXXX XXXX  partial account numbers XXXX ; XXXX and XXXX. ( I have attached my credit report for reference. ) I have contacted the bureaus on multiple occasions to in fact dispute the validity of these accounts. The bureaus are not even making an effort to investigate and report the status correctly that these accounts, are in fact, in dispute. I respectfully request that the bureaus do their job and either remove these line items and/or update the status to report these accounts as Account in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. This false reporting is seriously harming my credit score.
Product: Debt collection

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by Veripro Solutions. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted Veripro Solutions and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however Veripro Solutions says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and Veripro Solutions is taking advantage and is bullying consumers.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted from my credit and this account does not have my ssn on This account please verifymy correct ssn also it was deleted the bureau is suppose to send me letter stating that it is being re-inserted and why. 
The company does not have my ssn on this account and this is invslid snd a error but still stands on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX Bank is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed through Credit Karma by someone other than myself XX/XX/22 and XX/XX/22 and was traced by to an email address than was not mine. 
Since then lenders have done account inquiries ( soft ). I am concerned that the person is trying to obtain financing using my financial information. I contacted Credit Karma via email but have not heard a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2021, I mailed a dispute letter to XXXX  and Transunion about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted XXXX  and Transunion in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.
Product: Checking or savings account

I recieved a letter on XX/XX/XXXX  stating they would close my account on XX/XX/. I called to question why, I was told that it was an error and he did not see a reason so it would not be closed. On XX/XX/XXXX  my account was in fact closed, she told me she did not have to give a reason. I asked multiple times why and she said they do not have to give a reason why. I have had this account for more than a few years which makes no sense since it was in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid a collection account in full in XX/XX/2018. 
When the bureaus updated the information Equifax did not update the information. 
XX/XX/XXXX the company DELETED the account, as they said they would, from all 3 bureaus. XXXX and XXXX deleted it. On XX/XX/XXXX, it was gone. 
Not Equifax, Equifax is still reporting the account. 
I have disputed the information and called them several times in XX/XX/XXXX. 
Yesterday XX/XX/18, the rep was reading from the XX/XX/XXXX report. 
I have called the collection company 3 times during XX/XX/XXXX.

Yesterday I asked for a letter stating the deletion. They told me they deleted the account on XX/XX/XXXX. 
I explained how Equifax did not and what could i do, they told me to make a 3-way call to Equifax on Monday, to resolve it. 
Today XX/XX/XXXX I get an email from Equifax in my mail that says " dispute resolved '' but the account link does not work ALL DAY. I have tried to use this before and it works once in a while. 
Saturday Equifax is supposed to be open XXXX -to XXXX XXXX. I started calling at XXXX XXXX to XXXX ( had to go to work ) and no answer. 

Equifax previously made me wait an extra month for each of my updates. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the ongoing issue of fraudulent items persisting on my record, despite my multiple attempts to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, it is disheartening to see that the problem remains unresolved. 

The presence of these fraudulent items not only tarnishes my reputation but also undermines my financial stability and credibility. I have invested significant time and effort into addressing this matter, only to be met with continued obstacles and delays. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for the damages incurred as a result of this prolonged ordeal. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. 
My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.
Product: Debt or credit management

On XX/XX/XXXX, I hired United Funding Logistics to work on my behalf and signed a contract with them for lifetime services. Now, they are not doing so. I have called them for almost XXXX months, and they do not answer their telephone, but I did leave many messages. 
In XX/XX/XXXX I noticed through their website that they made changes to how they will move forward with their services at which time I will not consent to changes and payment structure. 

I requested a full refund, and I have not heard from United Funding Logistics since then, Please I need your help according to research there are mentions of fraud with the company and they need to be investigated. 

As of today XX/XX/XXXX, I had no luck in contacting United Funding Logistics
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Service, I am writing to dispute a collection account listed on my credit report with an alleged balance of {$16000.00}. The account is associated with Fair Collections & Out and is reported with the following details : Creditor : Fair Collections & Out Original Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Collection Amount : {$16000.00} Dispute and Request Privacy Act Violation : According to the Privacy Act, XXXX XXXX XXXX XXXX not have XXXX my personal information with Fair Collections & Out without my explicit consent. This unauthorized sharing constitutes a violation of my privacy rights. 

XXXX of XXXX ( XXXX XXXX. XXXX ) : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, I request that XXXX Collections & XXXX provide detailed verification of the alleged debt. This includes original account information and any agreements related to the collection. If the debt can not be verified, it should be removed from my credit report. 

XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : I request that all communications from XXXX Collections & XXXX regarding this debt cease immediately. This request is made under XXXX XXXX. XXXX, which requires debt XXXX to stop communication upon request. 

Compliance with XXXX XXXX Laws : The CFPB regulations and consumer protection laws require accurate and verifiable information to be reported. Inaccurate or unverifiable information negatively impacts my credit report and financial standing.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/year> to the credit reporting agency and they responded to my complaint without properly investigating the accounts. Equifax responded to my complaint without conducting a proper investigation. They response was dated XX/XX/year> clearly the same day as my dispute therefore not properly investigating my dispute. 

I would like all inquiries that's not tied to a actual account removed of my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  And all others which aren't tied to a account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to update my personal information on my credit reports. There is inaccurate information on my credit reports. 

This is a violation of 15 USC 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose " There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for theconsumers right to privacy. ''
Product: Credit reporting or other personal consumer reports

I am reaching out to request an update of my personal information with Equifax, XXXX, and XXXX. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.
Product: Mortgage

I had applied for Modification for the following properties just after these loans were transferred from XXXX XXXX XXXX to Nationstar. 
I repeatedly sent modifications documents to Nationstar but to no avail. 

XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX
Product: Vehicle loan or lease

Weslake financial the car was crashed totaled out I had a remainder balance which I paid but my credit report still says repossessed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account. 
I did not become aware of this until I received a statement from XXXX XXXX indicating that I was in arrears on my lease payments. 
I contacted both XXXX and my bank ( XXXX ) to determine what had happened because I had confirmation of the payments being made by the bank to XXXX. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to XXXX XXXX records. 
my problem/grievance is that even though the problem has been addressed and rectified, XXXX has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.