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

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Product: Debt collection

Dear XXXX XXXX XXXX, and Financial Recovery Services , INC . 

I received your letter at my address dated on XX/XX/2022.

However,

I have two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.
Product: Vehicle loan or lease

I spoke with someone named XXXX XXXX today, who advised me that the early lease termination documentation was never processed by Tesla. I completed the early termination process online, provided photos, and scheduled my turn-in date for XXXX. On XXXX, I brought the vehicle to your XXXX, CA location and turned it in per Tesla 's online lease return process. I also processed the release of liability with the DMV. Per the quote I uploaded, I do not owe anything to Tesla for the early termination of my lease. 

Unfortunately, XXXX informed me that I am still registered to this car and am being charged for it. Someone at Tesla also plugged the car into a supercharger and I was billed {$20.00} on XX/XX/12, though I no longer am obligated to this vehicle. 

I've emailed Tesla multiple times regarding this matter at XXXX, XXXX, and XXXX, but nobody has responded. Tesla needs to process the lease termination immediately and back date it to XXXX when I returned the car and refund the {$20.00} they charged me for supercharging while the vehicle sat at their dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Federal credit control
Product: Credit reporting, credit repair services, or other personal consumer reports

letters were sent to XXXX, XXXX, and transunion with no response
Product: Credit card or prepaid card

Apple Card/Goldman Sachs processed a payment for an ongoing subscription service I did not authorize. They then failed to send me a statement of make an effort to notify me of past due account reporting this a a delinquent account to the credit bureaus destroying my stellar credit rating over {$44.00}. 

I would not have been aware of this if it had not been for a credit monitoring service I have provided by XXXX. I paid this balance in an effort to mitigate the records but apparently, the damage has been done. I have closed this account but this report remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the rights to privacy 15 usc section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15usc1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose
Product: Debt collection

I sent out a dispute letter for " Validation of Debt '' before XX/XX/XXXXXXXX XXXX XXXX and I never received a letter back from the company to validate this debt. 
Which they proceeded to take it upon themselves to report to the credit bureaus to damage my consumer report.
Product: Credit card or prepaid card

Someone opened a fraudulent card in my name. I have been trying to resolve this since XXXX. Chase investigated, but told me I was responsible even though I proved I did not live at the address at the time. They refuse to absolve me of responsibility for the fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the inquiries listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these inquiries be immediately removed from my credit report to protect my personal and financial information. 
Inquiries : XXXXXXXX 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

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further whic h may re sult in a lawsuit.
Product: Credit card

In XXXX my JcPenny/Synchrony credit card had fraudulent charges on my card. I notified JcPenny when I received my statement in the mail. JcPenny closed the card and open a new card. JcPenny said they sent me a new card which I did not receive. I received a letter stating they found the charges to be fraudulent and removed them from my account. I contacted JcPenny to let them know I never received my new card in the mail they sent me and I could not log on to my account to view my account. JcPenny said I owe a balance on the account and I told I did not owe anything on my account. I was not receiving statements and I was not allow to access my account since I did not have my new card. My old log in would not work. I requested my statements from JcPenny which I was sent in the mail. I was reviewing the statement on my old card JcPenny removed the fraudulent charges from the account but then but the charges on the new account. I called XXXX XXXX, 2016 to resolve the problem. I was transfer to XXXX representatives including the Fraud Department. I requested another fraud research and nothing has happen since my request. JcPenny keeps reporting I am 30 days past due on my card which I am not. I do n't owe anything on my credit card. I called and spoke to another Representative in XXXX to follow up regarding my fraud inquiry and the Representative said could not help me because she could only view 3 months of my account and could not go back to XXXX to view the account history.
Product: Student loan

I have called multiple times in regards to checks that were sent out that I never received or cashed and couldn't receive any information on which checks had actually been cashed and which ones have not and so there's thousands of dollars just sitting out there not cashed and they're trying to say that I owe them for it when I never even got it in the first place
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report recently there appears to be information that keeps appearing on my credit report that I am not associated with me which is extremely alarming, this account is mixed with my credit information and is therefore erroneous and misreported/belongs to someone else. This has been causing me XXXX  and stress, and had impacted my credit negatively.
Product: Student loan

Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. 

I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.
Product: Checking or savings account

On XX/XX/2019 a non authorized transaction was made in the amount of {$2400.00} sent to an unknown individual. I called the bank to explain the situation as soon as I noticed what had happend. With in the week I got a response stating my claim has been denied. I kept fighting for my money wich was to pay my rent and was asked for a letter from my phone company that after doing my own intensive research I realized it doesn't even exist. So they were asking me to show them something they know is impossible to get wich is a complete mockery and an insult to me after being a loyal customer. I will not let them steal my hard earned money that I sweat for and work extremely hard for. I Need my money ASAP I can not afford to play these foolish childish games with employees who are supposed to provide excellent customer service and instead they make complete fools of us. Meanwhile fraud against me is being committed.
Product: Bank account or service

This is not a one-time or rare occurrence. As a retiree living on a fixed income, I try very hard to manage my online bill pay accounts from XXXX different banks, without incurring overdraft fees from my Bank of America account. They are gouging their customers with overdraft fees. When I use my online bill pay account with just B of A, their practice is to show my Availabe Balance as staying the same regardless of how many bills I authorize to be paid. This practice incurs multiple overdraft fees if I lose track of my real balance. I have incurred hundreds of dollars in overdraft fees from Bank of America. My XXXX and XXXX XXXX accounts immediately subtract a bill paid from the available funds in real time so I know exactly how much money I have at all times. B of A does not do as these other banks do. I believe B of A does this on purpose to earn as many fees, of {$35.00} each, as they can. Do I purposely authorize bill payments when I know my available balance is XXXX? Of course not. Should I keep better records? Yes, But I sometimes fail to remember the auto drafts for my home, auto, and health insurance companies. Does B of A know when I have direct deposits coming in? Yes they do. Should I close my B of A accounts? You betcha!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XX/XX/XXXX ) requesting that Experian provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. Experian response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.
Product: Credit reporting or other personal consumer reports

For years now i noticed inaccurate information on my credit report, my name is XXXX XXXX XXXX this is the name I only go by. Experian keeps reporting the name XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. I do not go by these names i only go by my real name as XXXX XXXX XXXX because there are thousands of people out there with the same first and last name as mine but the middle name is different That is why i never go by just my first name and last name i always go by XXXX XXXX XXXX because of the amount of people with same first and last name. Experian keeps throwing everything with the name XXXX XXXX or XXXXXXXX XXXX XXXXXXXX under my profile causing me to have a lot of stuff on my credit report that is not mine. I have to keep disputing over and over and come to find out in the end the middle name is different from mine, and they get it deleted. But i never get a fair shot at credit because this happens over and over and when i complain to Experian, they keep saying that they can't delete the 2 wrong names from my credit because they placed something in my credit report that is tied to that name even though it's not my name. This is unfair and against the laws pertaining to credit. I need help in fixing this issue so that my rights are not violated. next step if not fixed asap is to lake legal action against any party in volved with tying me to fake names that's not mine per my birth citification and social security card please delete the 2 makes from my credit report and make sure only my real birth name is linked to my credit NOT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo utilizes information from XXXX XXXX XXXX  to make decisions about consumers. This information in this database continues to negatively impact and impedes my efforts to feel whole. I have provided the bank as well as the XXXX XXXX with the police report, the judgement of enforcement order against my ex-husband extrapolating his erroneous report of frauds as well as the divorce decree.
Product: Debt collection

I sent a letter to XXXX REMOVE and DELETE inaccurate information from my credit report. Please delete Collections Account XXXX, Account Name : Aargon Collection Agency, Date Reported : XX/XX/2024. I do not have a contract with Aargon Collection Agency and have requested that they provide any contracts with my signature that will make me liable and they have refused to furnish XXXX. Therefore this fraudulent account must be deleted as Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days which is a violation of my rights.
Product: Credit card or prepaid card

I submitted a dispute with the company cash app to investigate a fraudulent merchant selling digital products I didnt receive. They offered a 30 day money back guarantee of which I provided proof to cash app. In the amount of {$99.00} and {$39.00} to XXXX XXXX  XXXX. Cash app has failed to investigate relying on software and auto replies without doing due diligence and protecting their clients. This is fraud. Cash app offers no protection to users who use a debit card for purchases. Im seeking my refund for the digital product and service of {$99.00} and {$39.00} from products I never received. Ive attached the transaction and the 30 day money back guarantee proof. This company cash app needs to be investigated as they do not protect consumers once so ever. Its all automated with no investigation into fraudulent transactions. 
Transactions occurred on Cash app ID # XXXX
Product: Credit reporting or other personal consumer reports

I just looked at my credit report XXXX XXXX, XXXX. I noticed some hard inquires that did not have permissible purpose. I also attached evidence below. 

1. Advantage/Fairway - XXXX XXXX XXXX inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of XXXX XXXX XXXX 3. XXXX - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my credit Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX on my credit Acct # XXXX is fraud
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

Bankruptcy Reference # XXXX XXXX XXXX