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

On XX/XX/2020, I mailed ( certified mail ) a letter to Experian credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via XXXX XXXX. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from XXXX XXXX declaring that I do not exist in their database as well as a copy of a letter from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by XXXX XXXX. '' Again, I mailed them a copy of the statement from XXXX XXXX that I do not even exist in XXXX XXXX ' database, so how can they possibly verify this supposed bankruptcy via XXXX XXXX. This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Experian, as well as their responses. I have attached the letter I received from XXXX XXXX. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. Thank you!
Product: Payday loan, title loan, or personal loan

I received a loan in the amount of {$670.00} on XX/XX/2018 from a company name XXXX XXXX also known as XXXX. I have paid back a total of {$580.00} as of XX/XX/XXXX which comes directly out of my bank account. When I reached out to the company on XX/XX/XXXX to inquire about my balance and the payoff amount they told me if I wanted to pay off the loan on that day it would cost me {$730.00} ( XX/XX/XXXX ). I asked why is the amount I owe double what I borrowed and I had been paying the loan off as agreed and they said it's a default loan re-payment plan and I asked them how can a loan that I am paying as agreed in default and I haven't missed a payment they said it's what was agreed to and I said that's not what I agreed too, I agreed to payoff the loan within 60 days. I asked them if this is legal to charge someone 789.4 % interest rate, they could not explain. I have another payment of {$210.00} coming out of my account on the XX/XX/XXXX and that will be a total of {$800.00}. All I'm asking is to be charged a legal interest rate on the {$670.00} I borrowed that will be paid off within the 60 days from the date that I borrowed on XX/XX/18. I should not be charged a default loan payment on a loan I have not defaulted in. the average legal rate for the state of new jersey is 16 % according to the Usury laws by state. The feasible loan interest and payback should not be {$5100.00} on a {$670.00} loan, this is outrageous and this company should be investigated Please see the lending disclosure. This is my first time taking out this kind of loan it was an emergency and I needed the money for some bills but I should not have to be in debt to a company for a loan that I was able to payback within a reasonable amount of time. I was not fully aware that this company was such a scam. Please help me!
Product: Credit reporting

I have a satisfied tax lien from XX/XX/XXXX that continues to appear on my credit reports despite being satisfied and cancelled as of XXXX XXXX XXXX. I believe the lien in question resulted from alleged failure to pay sales tax on the purchase of a vehicle from a private owner that continued to be registered in my name without incident up until XXXX. It seems to me then that the lien should not have been there in the first place as one ca n't register and continue to register a car without having paid sales tax however as the incident took place so long ago, I no longer have any documentation to dispute it. It is my simple wish that the lien be removed from my credit report as the debt has been satisfied and misrepresents my credit worthiness to lenders- to my detriment. I can assure everyone the State of Georgia will not take my consumer report into consideration before levying a tax on me. What 's more, the amount owed in the lien was taken out of my tax returns yet again this tax season despite being satisfied, so if the lien could be construed in any way to be a reflection of my credit worthiness, it should be my ability to extend it to the State of Georgia as five months after reporting this error I have yet to see that money returned. If the consumer reporting agencies truly cared about accuracy, then they 'd mention the fact that the fine state of Georgia has brought forth an unverifiable claim of an outstanding debt six years after it was allegedly incurred and followed the act by forgetting it was satisfied one year after I paid, but I digress. I maintain simply that a 13 year old satisfied debt fails to paint an accurate depiction of my credit worthiness to lenders, and should be removed from my credit report.
Product: Debt collection

i was contacted a couple years ago by this place, claiming that if I did not pay them, they would take me to court and presume legal action against me with the arrest. Ive given verbal warnings to be lfet alone to not further contact me however he has not stopped. I took the liberty to call them again and let them know that I did not acknowledge the death and that is an accurate. They are listed under two company names, XXXX debt, recovery, and genesis debt company. id like to have this remove my credit report due to inaccurate information and harassment. also, Id like to include that under the fair credit bureau when a debt collector or third-party debt collector buys a debt they can not put past due seriously past due or anything thing of that matter which voids the collection thats been tacked onto my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I know nothing about, never done or used. Do not belong to me XXXX. DATE XXXX XXXX XXXX  DATE XXXX XXXX XXXX XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX. DATE XXXX
Product: Checking or savings account

Several years ago I attempted to open a checking account at Bank of America and was denied because they said I had an account with them before. 
I have never had an account with them. The manager wouldn't give me anymore information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my credit file, as I often do, I found a hard hit from XXXX XXXX on Equifax. I have never requested any financial services from XXXX XXXX. I contacted XXXX XXXX and was advised they had no record of me requesting services from them, and had not submitted a request to Equifax for information on my credit. 
I submitted a dispute and received a notice of response from Equifax, My claim number is XXXX. I tried to review the response and can not access it. I called Customer support, which is useless, they are no help. All I could understand from the call center was the name on my file is not correct and I would need to change my name. All of my credit information is in the name of XXXX XXXX. I have an Equifax account in the name of XXXX XXXX. I put a freeze on my account praying that will stop Equifax from giving anyone any information. I want to know what the answer to my dispute is. This is crazy!
Product: Mortgage

Wells Fargo Home Mortgage sold the property on XX/XX/2016 for {$120000.00} in which at the sale of the auction there was only {$110000.00} owed at sale in which wells fargo home mortgage owed me back {$14000.00} dollars back at sale at Auction. I have mailed several letters over the las 4 years with no response from wells fargo home mortgage certified in regards to this matter. I have also filed with the US Attorney office regarding this matter.
Product: Checking or savings account

On XX/XX/XXXX I got my statement and immediately reported it to the bank they gave me copies of three checks which had been forged. They were in the amounts of {$8900.00} XX/XX/XXXX check # XXXX $ XXXX check # XXXX $ XXXX check # XXXX A total of {$19000.00} I then filed a police report on the same day. 

I had my checkbook in a locked room. Family members who I thought were trustworthy, got into the room and stole checks out of the back of my checkbook and wrote them for almost {$20000.00}. Chase bank will not reimburse the money because they said I had a lack of care because it was not in a safe place ( I was told on the phone a lockbox ). I believe that it being in my own home in a locked room is a reasonably secure location. In addition Chase never notified me when out of out of sequence checks were cashed on my account. The last check legally written was check # XXXX. The bank also didn't notify me when 3 large amounts were taken out of the account when there had been no withdrawals in well over a year. The last check written was written by my late husband on XX/XX/XXXX so these are definitely not my spending habits. Also, the culprits forged my signature, but the pay to the order section is in completely different writing. There were plenty of red flags and Chase did not catch any of them. It seems to me like Chase Bank is the one who did not have care In this situation and should be required to take the responsibility for their lack of care. That is why I put my money in their bank, so that they would protect it. Therefore I believe that they should reimburse my money. Otherwise under what circumstance would the bank ever have to reimburse peoples money if they can just put the blame on the victim and completely overlook or ignore all of their own mistakes? 
I was already a victim of financial elderly abuse by the culprits, and now I feel like I am again a victim of the bank. 
I have called the claims department several times and they still say it was my lack of care. I asked to file an appeal and they said it would be the same result. This was more than a full year of social security that was stolen from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to Experian via XXXX mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested a thorough investigation into inaccurate and outdated negative items on my credit report, including a bankruptcy. To verify my identity, I included a copy of my government-issued photo ID, Social Security card , and a recent utility bill showing my current address.

Despite providing all the necessary documentation to confirm my identity, Experian has refused to conduct a reasonable investigation into the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). Instead of investigating my dispute as mandated by law, I received an email from Experian on XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Under the FCRA, credit reporting agencies are obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information on their credit report. Experian 's refusal to investigate my dispute is a violation of my consumer rights, and as a result, inaccurate and unverifiable informationincluding negative accounts and a bankruptcyremain on my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
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 XXXXXXXX, Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX 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 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: Debt collection

Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about 10 years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX  adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with two different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.
Product: Vehicle loan or lease

I requested a validation of the from united auto credit and they failed to provide validation for the alleged debt they were trying to collect I told them I was not disputing the debt and that I was willing to pay once they validate the debt but they failed to do and went ahead and illegally repo my van I have notified them ahead of time letting them know it was illegal for them to repo my van under 15 usc 1692f they violated the contract as it was within my rights to ask for a debt validation which they never provided and they went ahead and repo my van with all the packages from my job for which now I am responsible this is illegal this cant keep happening the law is the law if they cant validate the debt they have no right to collect it until that can clearly validate the debt
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. I am exercising my rights under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitle me to request the blocking and removal of accounts and inquiries linked to fraudulent activities as a result of this breach. 
Below are the details of the accounts and inquiries that I request be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$7200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$630.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$1800.00} Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Debt Validation Dear National Credit Systems, I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide the following information : 1. The amount of the debt.

2. The name of the original creditor and any other parties to whom the debt is owed.

3. A copy of the original signed agreement or contract, or other documentation showing I am responsible for the debt.

4. The date of the original debt and any subsequent charges or payments made toward it.

5. A detailed breakdown of how the debt has been calculated, including any interest, fees, or penalties added.

6. Proof that your agency is authorized to collect this debt.

Until I receive this validation, I ask that you cease all collection efforts and refrain from reporting this debt to any credit bureaus. If you fail to provide the requested validation, you must cease collection activities and remove any reference to this debt from my credit report. 

Please send the requested documentation to the address listed above. I look forward to resolving this matter promptly. 

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

I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue.
My issue is again ; MY COMPLAINT Allied Collection Service Opened XX/XX/XXXX {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX .
<P/>
Please reference attached documents again.
Case #  XXXX  CLOSED, BUT NOT SATISFIED Case #  XXXX  CLOSED, BUT NOT SATISFIED Confirmation #  XXXX  This matter has been cleared and satisfied with my   XXXX   Credit Report but not on my  XXXX  Credit Report. Please assist, or force assistance in cleaning up my   XXXX   Credit Report regarding this FALSE information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the victim of identity theft. I purchased a credit card with Navy Federal Credit Union in XX/XX/2015 and made on time payments through XX/XX/XXXX. In XX/XX/XXXX my wallet was stolen at the XXXX XXXX bus terminal where my valuable items were inside ( Social, debit card, credit card, ID ). I was on my way to an interview when this happened.