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

I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My Experian Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, EQUIFAX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 XXXX 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 card

A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was charged XXXX euros for no reason by Coinbase
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Account number XXXX Unlawfully reporting false information about I owing money to pay for a vehicle under criminal investigation ...
Product: Student loan

I received a letter from Heartland XXXX regarding my Perkins loan. The letter states that I have till XX/2018 to make a payment or set up a payment agreement or my entire balance will be turned over to a collections agency. I did this today however the company now says it will be turned over to a collections agency anyway. I have completed my responsibilities per the information I had in the letter that I received and I feel the account should not be turned over to an agency. I am going to go through with my Payment agreement so it can not be said that I did not meet the requirements stated in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Equifax by phone and sent numerous disputes regarding this inquires. XXXX refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX s XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I want to dispute a medical bill of {$370.00} from XXXX XXXX XXXX office, XXXX XXXX XXXX XXXX in XXXX  XXXX, CO. 

I went to see XXXX XXXX on XX/XX/XXXX who just took over the practice at that time for dental cleaning and a minor dental issue : the gap between my teeth and the gum that did not cause any symptoms. I was told it was normal and he examined my teeth and recommended a crown for XXXX of my right lower molars because it might cause problems in the future and I agreed. I had XXXX XXXX XXXX at that time. I was ready to leave XXXX XXXX XXXX XXXX on XX/XX/XXXX for job relocation. I specifically emphasized my last day of work and the health insurance coverage several times with the front desk XXXX and was assured by her that the copay was {$500.00} and my insurance would cover the rest of the cost ( {$500.00} was paid by credit card on that day ). On XX/XX/XXXX, I received a call from XXXX stating that I owed money from their office. On XX/XX/XXXX I received a bill of {$370.00}. I called XXXX and she said that XXXX XXXX XXXX sent me a check of {$370.00}, which belonged to their office. I contacted XXXX and they told me that XXXX XXXX did not join their network until XX/XX/XXXX and that {$370.00} was billed by their office for out-of-network service. I checked my bank account and noticed that their office charged me {$780.00} instead of {$500.00} on that day for copay without notifying me. I had a few phone calls with XXXX. One time she said that she was not the one who took my payment on that day, then next time she said she was ( it was confirmed by her coworker and I know her voice. ) At the end, she denied again and when I asked to speak to the girl who charged me on XX/XX/XXXX, she said that the girl did not work there anymore. She told me that she would send me another bill and if I dont pay, she would send it to the debt collector. 

On XX/XX/XXXX, I received a letter from debt collector, Capital Accounts LLC. I emailed them on XX/XX/XXXX but they sent me another bill.
Product: Debt collection

On XX/XX/2022 I contacted XXXX and requested to cancel their services as it did not meet my expectations. I was provided instructions to return the equipment to them which I promptly did. Since I returned the equipment I considered the matter closed. Fast forward to now when I viewed my credit reports and realized that XXXX had sent this debt to XXXX XXXX - XXXX XXXX XXXX XXXX in the amount of {$1700.00} and reported it to the XXXX major bureaus. Needless to say that I was very upset over this, as I have been turned down for credit or have been subjected to ridiculous interest rates for my home loan due to the damage this reporting has done to my credit scores. This collection is erroneous and has caused severe damage to my credit report. I am demanding that it is removed immediately.
Product: Student loan

I've tried to get accurate information about this student loan debt since XX/XX/2017. Everyone ( all 3 credit bureaus & XXXX ) keep giving me the run around with no offically signatures from me connecting me to almost {$14000.00} in alleged student loan debt. Finally, after requesting this information several times ; XXXX sent me a packet with several pages of computerised signatures ( which I did no such thing over the internet in reguards to any federal student loans ). Connecting me to this alleged debt. The credit bureau ( XXXX  ) states no original documents were given to them with my original signature connecting me to any student loan debt yet the information in there system is accurate due to confirmation of my social security number, address, DOB and name?!
Product: Student loan

A second student deferment was put on my student loan by XXXX XXXX, now Navient. This happened on XXXX XXXX, XXXX XXXX, and XXXX XXXX. I graduated in the middle of XXXX XXXX. 
I want the capitalized interest reversed by this second student deferment. I am submitting my enrollment verification and my transcripts showing that I was enrolled at the same college and in the same program from XXXX and XXXX. There is an error in the enrollment information XXXX XXXX obtained from XXXX College. I finally obtained my degree in XXXX of XXXX. 
The first student deferment was stopped in XXXX of XXXX. That should have been sufficient enough evidence to keep you from instituting the second student deferment while I was enrolled at XXXX College in the same XXXX program. 
If the evidence I submitted is not sufficient, you need to let me know reasons why. I am also requesting a copy of the enrollment information you say that XXXX College provided you in order for you to place a second student deferment on my student loan. 
If the evidence I provided is not sufficient and you need more official documents, you need to let me know. You will also need to let me know who I need to send the documents to ... ... ..a name and the address at Navient of a person that will review these documents. I will send this certified mail if need be. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, my bank charged me a {$36.00} overdraft fee due to a fee that XXXX erroneously assessed against me. XXXX forcibly took the money from my checking account then realized their error and eventually reimbursed me. 

However, the XXXX fee caused my checking account to overdraw which incurred a fee of {$36.00}. On XX/XX/XXXX, my bank charged me another {$36.00} overdraft fee. 

The XX/XX/XXXX overdraft fee was not due to any mistake or fault on my behalf and should be removed from my account. The XX/XX/XXXX overdraft fee is unexplainable and also should be removed from my account. However, my bank has refused to remove these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DECLINED A HOME EQUITY LOAN BECAUSE, XXXX XXXX XXXX INSISTS ON REPORTING DEROGATORY REMARKS ON MY CREDIT REPORT. I SPOKE TO XXXX XXXX XXXX When I had COVID XXXX AND INFORMED THEM I MISSED A PAYMENT. I ASKED THAT THEY NOT SHOW ME 30 DAYS LATE DUE TO XXXX XXXX. I WAS TOLD SINCE I HAD COVID AND CALLED IN THAT TGEY WOULD NOT REPORT IT TO THE BUREAUS. THEY INTENTIONALLY REPORTED IT TO INSURE TO DRIVE MY FICO SCORE INTO THE GROUND AND PREVENT A HOME EQUITY LOAN. FICO IS ALSO TO BLAME FOR THIS BY HIDING CREDIT SCORE FROM THE CONSUMER. IF THERE WAS ONLY ONE SCORE THERE WOULD BE NO DECEPTION.
Product: Bank account or service

My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.
Product: Checking or savings account

Fraud was committed against ME. No I haven't been allowed access to MY MONEY! I have not been able to access my government issued funds. Funds I need to support myself. I have done everything asked of me and when I speak to the XXXX at direct express, they couldn't care less. I NEED MY MONEY NOW!
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have three Items that do not belong to me on all three of my Credit Reports ( XXXX, Transunion, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. Over a month ago I sent certified letters to all three bureaus ( XXXX, Transunion, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( XXXX, Transunion, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX XXXX XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).
Product: Debt collection

In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX inquired on my credit. 
I have tried to contact them to send me the file inquiry.to me. 
No response
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report even after your investigation, reinvestigation and further investigation. The payment highest balance is inaccurate for all XXXX accounts Please provide the source of your information and verification. Your company has continued to report these inaccuracies. This is My LAST and FINAL attempt before pursuing legal remedies against your company. If you can not produce this information I DEMAND YOU DELETE THESE ACCOUNTS IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 

XXXX Account : XXXX Account : XXXX XXXX XXXX Account : XXXX
Product: Student loan

Private student loan sold to zuntafi. My interest was with original lender was XXXX  %, now after acquisition it XXXX %.
Product: Credit reporting or other personal consumer reports

XXXX IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.