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

l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

these multiple attempts to collect multiple debts from accounts posted on my credit file from XXXX XXXX {$360.00} acct number XXXX {$51.00} acct number XXXX {$1500.00} acct number XXXX {$630.00} acct number XXXX have all been fraudulently reported on my credit file i do not own these debts and there has been no validation from either company i did not accure these debts NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Mortgage

I requested a forbearance on the mortgage in XX/XX/2020 for six months due to COVID19 and I was approved by Mr. Cooper ( loan # XXXX, property address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ) and the forbearance expired on XX/XX/2020. I called Mr. Cooper at phone # XXXX this afternoon and spoke with XXXX. She said that the pandemic forbearance ended and it shows I have a past due amount of {$27000.00} that must be paid either ALL at once, or a payment plan whereas I must pay one lump sum of {$19000.00} ( which represents five months of mortgage payment ) by XXXX and the remaining {$8000.00} can be paid in installment ( s ). I told her that I can not pay {$20000.00} in one lump payment this month and asked her if the {$27000.00} can be added to the existing loan and I am willing to pay the slightly increased monthly mortgage. She said that Mr. Cooper is not willing to do this for my loan and that the only other alternative is to do a loan modification. I told her that I don't want to modify my loan ( I have 2 % interest rate ) and don't want to mess it up. She said that I have no other options. Mr. Cooper is not willing to work with me. I can make a payment arrangement to pay the past due amount in 6-7 installments and I feel that this is more than fair. Everyone was affected by COVID19 and the mortgage co. should work with their customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX , Account name : XXXX XXXX  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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

Everything on this account is incorrect address is at a address I never lived at dates amount and everything is wrong need prof everything is right if information can't be provided I need it deleted today.
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 ( XXXX XXXX XXXX XXXX ), AMOUNT {$1000.00}, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), has violated my rights.

1

5 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 inst
ructions
Product: Vehicle loan or lease

I am writing to formally dispute the listing of a voluntary car repossession on my credit report. The repossession was reported as a negative item, but I believe it should not be reflected in this manner for the following reasons : Voluntary Nature of the Repossession : The repossession was voluntary on my part due to financial hardship. I proactively returned the vehicle to the lender in order to avoid further default and financial consequences. This was not an involuntary repossession or an action initiated by the lender without my consent.

Impact on Creditworthiness : While I understand that voluntary repossession is still a significant event, I believe it should be reported with more context, such as " voluntary surrender, '' to avoid mischaracterizing my overall credit behavior. I did not neglect the loan intentionally and took steps to manage the situation responsibly. 

Request for Reconsideration : I kindly ask for a review of the information reported and, if possible, a modification to reflect the voluntary nature of the repossession. This adjustment would present a more accurate portrayal of my credit history and financial decisions. 

Please find attached any supporting documents, such as correspondence with the lender and a copy of the voluntary repossession agreement. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely
Product: Checking or savings account

I have a regularly scheduled transfer of {$250.00} from my checking to my savings accounts with US Bank. On Monday, XX/XX/XXXX the transfer occurred, but then the bank removed an additional {$250.00} from my checking account and that money seemingly disappeared into thin air?! I've called their customer service line every day since, and have been told they are aware of the issue and are trying to fix it. However, they have no timeline, and have made no efforts to replace the money they took from my checking account. This has got to be illegal?? My faith in the security of money management at USBank has been deeply shaken.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRY, PLEASE DELETE : XXXXXXXX XXXX XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

we have sent letters to the company and to the credit bureau asking them to remove the negative items and they still wont handle the issues. the usps tracking numbers are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unjust Reappearance of Disputed Account on Credit Report : Violation of Consumer Rights I hope this message finds you well. I am writing to bring to your attention a persisting issue regarding an account that has been previously disputed and rightfully removed from my credit report. Despite following the due process and having this account removed, it continues to resurface on my credit report, which I believe is a direct violation of my consumer rights. 

Upon discovering this account, I immediately took the necessary steps to dispute its accuracy and relevance to my credit history. Through the proper channels and documentation provided, the account was rightfully removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

However, to my dismay, this account has reappeared, causing undue stress and concern regarding my creditworthiness and financial standing. This recurrent reappearance not only undermines the established dispute resolution but also disrupts the integrity of my credit profile. 

I am writing to request a thorough investigation into this matter and seek your assistance in rectifying this recurring issue. It is crucial to uphold the principles outlined in the FCRA that safeguard consumer rights, ensuring accuracy and fairness in credit reporting. 

Thank you for your time and anticipated assistance in addressing this issue. I look forward to a prompt resolution.
Product: Debt collection

In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified Capital One of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said Capital One would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.
Product: Debt collection

They call all hours.. from XXXX XXXX XXXX XXXX XXXX at night even on weekends.. Im not even sure that it should be on 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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Dispute letter of deletion in accordance with Fair Credit Reporting Act 611 to Transunion which they have not responded at all, or even sent me any of the requested information on 7 Different Fraudulent inquires on my credit report
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX {$63.00} XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

On XX/XX/year> Care Credit received {$3200.00} payment I accidentally paid to the wrong company online. I called them on XX/XX/year> and spoke with XXXX at XXXXXXXX XXXX. He told me that after their review they would send a check in 7 to 10 business days. 
Today, XX/XX/year> at XXXX I called to check to see if issue had been resolved. Spoke with XXXX. He said for some reason a check had not been issued. I ask to speck with his supervisor, XXXX, she then tells me that no claim was noted. I'm sure that XXXX saw the claim. Anyway, XXXX tells me that I should receive a check in 2 weeks. I tried to explain that I called on the 2nd. and now she telling me I have to wait. We're talking about {$3200.00}. I'm a XXXX XXXX XXXX widow. I couldn't get her to move on the 2 week period. 
My account with then had no balance and had not been used, and in fact, they closed it. 
Whatever help you could do would be greatly appreciated. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting

In XXXX of 2015 an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately. 

remove late pay from all XXXX credit bureaus- an inadvertent error in auto pay amount when payments were made every month & when a payment of extra XXXX was made to the same lender on another mtge is totally unfair and prejudicial - consumers with no late pays for 25 years do not deserve to have their credit ruined when lender could have made sure to contact them
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit report which I reported to Equifax but has not been removed. I contacted them several times about this matter but nothing has been done to resolve it. The following are fraudulent inquiries XXXX XXXX XXXX XX/XX/19, XXXX  XXXX XX/XX/19, XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I applied for a heloc at penn fed credit union XXXX. I have no prior business with this credit union. My application was denied. two months later i receive in the mail a statement showing my " new savings account '' that i did not open and it had {$5.00} in it. This is gros misconduct and terrible. Still doing the same thing like wells fargo. I dont care if they put it in the language of a 50 page disclosure, its wrong and terrible. Please do something. I am a very intelligent business owner for 25 years running an insurance agency. I did close the account with the bank, but they were not helpful at all only referred me to website. Im in process of rebuilding my credit and this doesnt help me. 

thanks you. 
XXXX XXXX XXXX florida
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX XXXX says they been getting data from Lexis Nexis who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. 
Lexis Nexis has been reporting false info. for years. I would like to sue them.
Product: Mortgage

Please see attached statement from the previous loan holder for our account. This states that a balance of {$280000.00} was transferred to NewRez and not {$280000.00}. 

You will realize XXXX payments were made - XXXX on XX/XX/XXXX to XXXX XXXX XXXX and XXXX to NewRez on XX/XX/XXXX. Hence, your opening balance should be {$280000.00} not XXXX. The opening loan balance for XXXX XXXX lending was {$290000.00} - after XXXX payments of a total {$4100.00} - the principal being transferred was already {$280000.00}. NewRez is only taking XXXX payment into account while doing their calculation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX  XXXX Balance : {$34.00}.
Product: Debt collection

I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. These accounts and inquiries are not authorized by me and do not belong to me. The presence of these fraudulent items has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These fraudulent accounts have resulted in negative remarks that are adversely affecting my credit score and financial reputation. 

I kindly request the immediate removal and blocking of the following fraudulent accounts and inquiries 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
Product: Debt collection

the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, my rights have been violated.

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 The following hard inquiries are showing on my credit file and I did not authorize them to be placed there.The above laws state that I have a right to privacy and can not provide an account my information without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX