23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and Equifax regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Debt collection

My XXXX, XXXX XXXX XXXX had sent my account to a debt collection agency for collection, after they did not receive two payments. We did not receive a letter from the XXXX for the payment, before receiving a a letter from the collection agency. As soon as the information was received from the collection agency and we came aware of it, My son, XXXX XXXX who resides at the address and was not home most of the time, as he works with the airline and was away most times due job duties contacted the XXXX  office to settle the matter ; however, he was directed to the XXXXXXXX XXXX XXXX, XXXX who he has been in contact with. He had attempted several times to settle and to pay off the XXXX, in which each time he was given a new payoff fee. I have also contacted the XXXX XXXX and was directed to the Dept collection office and by the time I spoke to the collection office, I was told a collection amount as well as threats to place lieu against our house. I have requested an outline of the amount from XXXX and after thorough review, I could not understand the outline of the fees that we are asked to pay. Once again, we have made attempt to negotiate and pay, nonetheless both the XXXX and XXXX collection agency are not willing to provide us with a reasonable amount to settle the amount. We are shown that that we owed the HOA {$740.00} and the fee that we are told that we must pay is almost XXXX of what the HOA fee is. 

We definitely feel pressured and discriminated against. We brought the house in the area XXXX and since then, we have received tuff violation threats ; for example, our lawn was observed as high as our neighbors, and we receive threat of violation fees. After cutting our lawns, our neighbors lawns were still observed not cut. In XXXX, after the hurricane, we received threatening letter that we would be charged if we do not get the fence fix shortly after the hurricane. We fixed our fence immediately. Currently, our neighbor 's fence is down leaning our home, after the previous hurricane and nothing had done to it. We were told by a neighbor when we just brought the house that she receives an email that we were felonies that moved in ; however, she said that after doing her reach, she found out that my son works for the XXXX XXXX. We are currently hit with threatening letter that a XXXX is placed on our house and if not paid within XXXX, they could move to foreclosure! again, our XXXX fee that is owned in only {$740.00} with a fee of over {$3000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had a debt with XXXX XXXX XXXX  for two charged off credit card accounts. I settled directly with XXXX XXXX and paid them directly. On XX/XX/XXXX I entered into a payment arrangement and settlement agreement with XXXX XXXX directly to pay the amount over 3 payments. I initiated the first payment on the same day. XXXX XXXX submitted my file to LVNV Funding a collection agency, on XX/XX/XXXX according to my XXXX XXXX credit report. The debt was paid in full on XX/XX/XXXX and yet the initial {$930.00} balance is showing as still outstanding on all three credit reporting agencies. I've disputed the collection with all three bureaus and with the company itself on XX/XX/XXXX and again today. I was told that the previous disputes were input incorrectly and they'd look into it. They asked me to call back within a few days and they'd hopefully have it corrected. 

This incorrect reporting has damaged my credit for over a year and it seems willful from LVNV that they knew the debt was paid, and were still trying to collect on an already paid debt while using the pressure leverage of reporting false data to  XXXX, XXXX and XXXX.
Product: Mortgage

Bank of America ( BOA ) misrepresented certain facts, Made oral promises that they have failed to fulfill and induced me into legal action which was detrimental to my legal interests and financial future. During the pendency of my divorce in 2010, BOA representatives advised me to sign a Quitclaim Deed so that my ex-husband could keep the house and sign the mortgage modification. They led me to believe that I would be removed from the mortgage after my ex-husband XXXX XXXX has successfully paid the mortgage for a year on his own. ( I have an Affidavit signed by XXXX XXXX ). I was never advised to speak with a lawyer before signing the Quitclaim Deed. BOA then subsequently agreed to a mortgage modification for my ex-husband due to the reduced earnings in his household post-divorce. That mortgage modification was agreed to and signed by my ex-husband after the divorce was finalized. Despite the fact that I was not a signatory to that agreement, BOA has continued to hold me responsible for that mortgage. BOA has never released me from this mortgage obligation as the representative stated would occur ( I have a confirmation email to BOA rep by XXXX XXXX ). Moreover, BOA then sold the mortgage to XXXX who continues to hold me responsible for a modified mortgage I never agreed to and to which I do not hold title due to the advice of BOA reps who told me to sign the Quitclaim Deed. As a result, I have suffered financially. I have been unable to individually purchase a home and qualify for a mortgage as a result of the misrepresentation and improper legal advice provided by a non-lawyer representative from BOA Despite many years of my ex-husband paying the mortgage on his own, and despite recent attempts on my behalf by my lawyer, BOA still refuses to release me from this mortgage obligation ( absent long and expensive litigation against BOA ). Nor could a family lawyer convince the Court to force my ex-husband to refinance. Nor do I have standing to file a Petition to Partition the property to force a judicial sale ( since I am no longer on the title ). Therefore, if my ex-husband never sells the property I am saddled with financial responsibility for this mortgage for the rest of my life.
Product: Credit card

I purchased merchandises from XXXX with my Amazon credit card. The merchandises have been returned and I have receipt proving that they got them. I called them several times, I emailed all documents to ask them to stop billing me for the merchandises that got. But they s still and they even charging late fees.
Product: Debt collection

Upon researching my credit report it looks like Contract callers is trying to collect a debt in a state where they are not authorized to do so, also I never had any dealings nor signed a contract with Contract callers nor did I give them permission to use my information and report it to the CRAs under 15 USC 1681b permissible purpose this account should be immediately deleted I was able to send a verification of debt on XX/XX/2023 attached ( exhibit 1 ) I then checked XXXX and they verified that Contract callers is not authorized to collect in the state of NJ ( exhibit 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my XXXX  XXXX time to see what I qualified for. But instead they ran my credit XXXX times with multiple banks. This reflects on my XXXX, Equifax and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with XXXX inquiries which i can't removed from my report. This is also reflected on my XXXX, Equifax and XXXX reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was XXXX XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of XXXX inquiries when i only own XXXX vehicles. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I did not consent, authorize nor benefit from any transactions from these inquiries. 

Experian is in violation of the FCRA 15 usc 1681n ( b ) Civil liability for willful and non compliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Bank account or service

On XX/XX/XXXX i received a letter in the mail indicating that i had unreported income from Bank of America reported on a form XXXX in the amount of XXXX. I have not had a open Bank of America Account since XX/XX/XXXX and further more I am in the military and was XXXX i have never received a check of any kind from Bank of America. This concerns me because how could this company report a form XXXX when i never cash a " supposed '' check that they " claimed '' to have issued me? There filing is FRAUDULENT and has caused me to owe taxes for {$4000.00} for XXXX taxes.
Product: Debt collection

Northstar locations contacted my job. I can not accept or take calls at work. They should contact me directly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 PayPal " permanently limited '' my business account and froze my assets of {$610.00} for 180 days during which time this money earned no interest yet it was more than likely used by PayPal to earn interest. After the 180 days passed I was allowed to withdraw the {$610.00} on XX/XX/2019 however I needed to link my personal bank account to the now useless business profile on PayPal. After doing so and withdrawing my assets I requested in XXXX to have this useless business account closed and on XX/XX/2019 PayPal has refused to do so. In addition PayPal will not allow the deletion of my personal banking information from this account. In the event that PayPal is hacked my personal banking information is exposed for no reason simply because PayPal will not close my useless business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number.  However, I do not trust this method and want to talk to a person.
Product: Credit reporting or other personal consumer reports

I am attaching the letters that should be sent to all XXXX credit bureaus to correct the misinformation on my credit reports which is a violation of FCRA. The credit bureaus are reporting personal loans under mortgage it is not a mortgage loan. I know this because I see it on all my reports and lenders have told me so.
Product: Checking or savings account

On XX/XX/XXXX I was paid {$1700.00}. The morning of XX/XX/XXXX I received via e email notification from Chime that my email, phone number and address had been changed. Upon receiving these emails I immediately contacted Chime and said these changes are false that I did not authorize these changes. In the conversation, I learned that my cards were considered lost and a temporary replacement was ordered and to be mailed to the fraudulent address. During the conversation, as I was looking at the account, there was an unidentified and unauthorized charge of {$1000.00} to XXXX XXXX. 
I was told by Chime to wait until the charges are not pending anymore. Then I can file a fraudulent charge claim. 
On Monday XX/XX/XXXX, the charge went through. Immediately I filed a fraudulent claim charge. 
On XX/XX/XXXX I received an email from Chime stating the charge was not done in error and therefore was not refunding the money to my account.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I'm requesting under 15 U.S. Code 6805- Enforcement to help prevent me from experiencing any further identity theft. My wallet was stolen with my bank information and identity documents. I have filed an FTC report.

In light of this I need to remove all personal information I do not recognize and keep no other than my correct name & address on my consumer report. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I'm requesting proof of disclosures that contain my wet signature for accounts I do not recognize.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that appear on my credit report. These inquiries were made without my authorization or knowledge and are negatively impacting my credit score. 

The unauthorized hard inquiries are listed as follows : Creditor Name : Capital One Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not initiate or authorize any credit application or transaction with these companies, and I am requesting that these hard inquiries be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Please conduct an investigation into these inquiries and provide me with the results of your findings. 

If the inquiries can not be verified or if they were made in error, I expect them to be removed from my credit report promptly. Additionally, I request that you provide written confirmation of the removal once the investigation is complete. 

Please respond to this request within the legally required XXXX time frame. 

Thank you for your time and attention to this matter. I look forward to your timely response. 

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting

Transunion received my documents XX/XX/2015. XXXX XXXX Ireceived investigation results. They deleted XXXX XXXX, butregarding XXXX & XXXX I 'm told I must contact the creditors? 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
XXXX was my legal team. I 'm done. They submitteddocuments to me which I submitted to Transunion ; as well as ; theother XXXX credit bureaus. Again I ask, why the discrepanciesbetween my documents and the inflated figures provided by thebanks?
Product: Vehicle loan or lease

Ive sent several notarized documents to Ally financial CEO, CFO as well as registered agent. No RESPONSE Dear Ally Financial, I am writing in response to your letter dated XX/XX/XXXX, regarding my concerns with the retail installment contract for the XXXX XXXX XXXX. After further review, I believe there are several legal violations in the contract, particularly concerning the Truth in Lending Act ( TILA ) and other consumer protection laws. 

For your reference, I have attached the original retail installment contract and highlighted the areas where I believe violations have occurred. Below, Ive outlined my specific concerns and the resolutions I am seeking : 1. Violations of the Truth in Lending Act ( TILA ) and Request for Corrections : Incorrect Financing Amount : The contract lists the amount financed as {$20000.00}, which includes a document fee ( {$480.00} ) and GAP insurance ( {$890.00} ). Under TILA, these charges should be considered part of the finance charge and should not be included in the amount financed. The correct amount financed should be {$18000.00}.

Incorrect Finance Charge and Total Payments : At the stated interest rate of XXXX  % over 75 months, the finance charge on the true amount financed should be {$8100.00}.

Including the {$480.00} document fee and {$890.00} GAP insurance, the true finance charge should be {$9500.00}, rather than the amount stated in the original documents. 
This recalculation results in a total of payments of {$28000.00}, not the amount initially provided in the contract. 
Violations of TILA Disclosures and XXXX XXXX  : I believe there are additional issues with the disclosures provided undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX which violate the Truth in Lending Act and may trigger the cooling-off period. These issues suggest the loan was not properly disclosed.
Product: Student loan

I attended school at XXXX XXXX University for XXXX school, XXXX XXXX University and the University of XXXX XXXX  for XXXX degrees. At all three schools I was given loans with no problem and now as a XXXX I'm struggling to repay., Previously my loans were serviced on the federal side and at one point was sold to Sallie Mae and now owned by Navient . On at least three different occasions I've tried to complete loan forgiveness to get about {$18000.00} forgiven and most recently I've been denied again. Every time I attempt to repay the payment is so astronomical that I have to stop making payments again
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed this fraudulent account on my report. Please remove this account from my report as it is hurting my ability to obtain credit. 
I recently disputed the accuracy of reporting on this account multiple times to credit bureau transunion by certified mail, and the results came back verified despite me contacting XXXX XXXXXXXX bank about this account before it was charged off on XX/XX/XXXX. The information XXXX XXXX company had on file for this account was incorrect during our recorded phone conversation. I gave my correct email, address and phone number during our phone conversation and was told that the information would be corrected and the investigated. On XX/XX/XXXX I was notified via phone that I would receive an email to send in an affidavit to complete and send back and I never received that email with an affidavit before this account was closed so how can this account be verified as accurate if I never had the chance to submit an affidavit when I notified you about this account before it was closed/charged off. 

Below I have attached copies of many letters I have requested for transunion to provide me with and I still have not received any contract with my signature that verifies this account nor any other information. Transunion is not properly investigating this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct this immediately : XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems , LLC This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me