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

I am grateful for your work in correcting my credit information by removing some of the erroneous entries. However, there are still some items that need to be addressed and removed. This is my new attempt to dispute the items in my credit file which resulted from the erroneous credit information. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from the incorrect credit report details, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXX/XX/year> **********EQUIFAX : XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; Medical Collection XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX : CCB/BALANCE XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from the erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow Navient manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, Navient reappears again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an open equity line of credit account with Bank of America. The account should have been closed over a year ago when Bank of America foreclosed on my home in XX/XX/2017. 

The circumstances were very unusual and did not make any sense. I only mention this because the misreporting on my credit report is just one more damaging mistake made by Bank of America in regards to my situation.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the 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 or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX -- {$620.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8400.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 have often complained and sent the information in the letter form explaining what I am requesting to show that these are real debts.
Product: Credit card or prepaid card

I demand : 1. Immediately correct mistake for this account and the balance is XXXX.

2. This nightmare has caused me mentally and financially suffered. My credit score went to down. This is a wrongdoing for a bank that mistreated a customer who has a good credit ( was over XXXX ) and who is a minority woman. 
3. I demand at least {$6500.00} reimbursement for the predation interest rate charged to my account plus my XXXX, XXXX and financial suffers. 

ON XXXX XXXX, XXXX Statement, Synchrony Bank under Ashley Furniture/SYNCBN Added a balance of {$3300.00} to my account. I paid off full balance of {$3100.00} on XXXX. I called the credit card company many times and they could not give a reason. Promised to call me back after investigation. They didn't but each added interest then late fee to this account. I called again same answer. I finally sent priority certificate mail letter to the bank and confirmed they received on XX/XX/XXXX. No any corresponds. I called again asking fax #, I faxed on XX/XX/XXXX. I have confirmation they received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX/Sage Stream is reporting inaccurate information on my consumer/credit report. 

I have disputed these items on XXXX.

I received a email on XXXX that they don't have any records of these items. 

I will attached the consumer report I received from XXXX/Sage Stream all inaccurate are on PAGE 4 through 18 and PAGE 27 through 28. 

I requested all inaccurate emails, addresses, phone numbers and ALL INQUIRES to be removal from my credit file. 

XXXX XXXX/SAGE STREAM are violating the following consumer law : 15 U.S.C Code 1681 This is not responds to original CFPB dispute XXXX ''. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer/credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I request an investigation into this matter. Those inaccuracies listed below are not mines. I requested the deletion of all inaccurate information.
Product: Debt collection

I am not liable for this debt with JEFFERSON CAPITAL SYSTEMS. I do not have any binding contract with JEFFERSON CAPITAL SYSTEMS. JEFFERSON CAPITAL SYSTEMS has yet to provide me original contract.
Product: Debt collection

XX/XX/2021. I applied for an apartment at XXXX XXXX. I was charged for {$420.00} total and advised it was refundable. {$120.00} is application fees and {$300.00} was admission fee by verbal, I was over charged for the fees base on their website, app {$100.00} and XXXX {$200.00} They gave my desired unit away and gave me something I dont like and I asked for refund on XX/XX/2021. The listing agent XXXX said its non refundable once the application is approved. I asked to withdraw the application if I cant get the unit that I want and I was not advised with the refund policy, I felt I got scam because they refused to show me other units and told me theres no unit left. They push me the sign the lease for 16 months in order to get my {$420.00} back. I told them I will dispute it with the bank. Then my bank gave me a temporary credit on XX/XX/XXXX and it reversed on XX/XX/2021 because the merchant made fake documents and sent to the bank to get the back. I asked to see the documents and The merchant had never showed me the documents in person or by mail including return policy and somehow all documents was electronic signed and I know I did not sign anything since the day XXXX applied. I put in my application because I was told its refundable. Now in XXXX I received a debt collector from XXXX XXXX for {$470.00} meanwhile they already took the money from my account. This is a misconduct business what they did, first took my money and gave my unit away and refused to refund and contacted debt collection saying I owe them money because I dispute it with my bank. My bank already paid the merchant on XX/XX/XXXX. Now Im trying to get the portion money back from the merchant because I was being overcharged for the fees. And my bank cant do much to get the whole amount back since the merchant responded back with fake documents. 
I called the debt collection office today and advised that this debt has already been paid and spoke to agent name XXXX at XXXX XX/XX/2021 he asked me to contact soleste XXXX . Im going to send the email to the property manager XXXX to advise him that to remove me from the debt because the money has already taken from the bank account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit collection services is alleging I owe a debt I do not. I do have any contractual obligation to pay this debt and they sent me no notice of my right to dispute this debt before adding it to my consumer report. They have no court order to collect which is needed.
Product: Vehicle loan or lease

On XX/XX/2021 we purchased a car from XXXX in XXXX. Then on XX/XX/2021 we went to Randolph Brooks Federal Credit Union ( RBFCU ) to refinance the loan. Now two months later, RBFCU has never paid off the XXXX loan. Both XXXX and RBFCU hold an open loan on the same car & both demand car payments from us for the same car! ( yes, in order to protect our credit, we have made car payments to both XXXX RBFCU! ) Neither XXXX nor RBFCU will resolve the situation ; both blame the other for keeping their loan active.

Then last night RBFCU called and told us they were backing out of the loan because they had processed the wrong kind of loan ( new car loan rather than refinance loan ). However, today they will not close the loan until they get a close letter from XXXX nor will they refund the car payment we made to them on XX/XX/2021 in the amount of {$560.00}. 
So were back in the middle between XXXX and RBFCU.

How can both require us to make payments on the same car?!!?
Product: Debt collection

TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Debt collection

On or about XX/XX/XXXX I called Sensible Auto to inform them that my job has shut down due to the COVID-19 pandemic. My car payment was due at the end of that week. I was told that I should try to make the payment. I explained to the CSR that I couldnt make the payment because nothing was open in my city. The next day I received a call from Sensible Auto about my payment, I explained the same thing, my city is shut down, I cant make the payment right now, this CSR tried to imply that I was fired from my job, my job was secure, my job was shut down due to the COVID pandemic. For 2 weeks I went back and forth with Sensible Auto about my payment. I was told by another CSR that I should have been saving money for emergencies like this. Another CSR told me that if I surrender the vehicle my credit would be shot and I wouldnt be able to get anything in my name for next 7 years. I told them I was NOT holding the vehicle hostage and it is sitting in front of my house, if they wanted it, they could come and get it, after 2 weeks of bickering back and forth I had, had enough. I was informed on XX/XX/XXXX by another CSR that they would be coming to get the vehicle because they could not wait any longer for payment and that it would take approximately 7-11 days before they could come and get it, because my city is shut down ... .like I informed them 2 weeks prior and everyday up to this point. The next morning at XXXX XXXX., I went to gather my belongings from the vehicle and it was gone already. I tried numerous times to get a hold of someone at Sensible Auto, to find out where the vehicle was taken so that I could retrieve my belongings, and I didnt receive any responses. My mothers ashes were in my vehicle along with other items that I needed. No one ever returned my messages, but they were sure to mail out a deficiency letter. Had Sensible Auto waited a couple of more weeks I could have made the payment with the stimulus check that I received. I dont feel like I should have had my vehicle taken during a pandemic, and I dont feel as though this should be on my credit report, as I had no control of the COVID  pandemic, or my job shutting down.
Product: Debt collection

In XXXX of XXXX I ordered some supplements from XXXXXXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XXXX of XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.
Product: Student loan

I am an alumnus of XXXX University as of XX/XX/XXXX. During my collegiate career, I struck hardship and had to result to borrowing from private loan lenders to pay for my education. Now, less than a year after graduation, I am in the repayment process. The bulk of my private student loans come from Navient and XXXX XXXX. Navient has been unable to assist my cosigner and myself in being placed on an affordable repayment plan. With a monthly payment of {$830.00} from Navient alone we are unable to fulfill the payments. I recently ( XX/XX/XXXX ) spoke with several Navient representatives, including management, to lower my monthly payment with no positive outcome. I understand that federal student loans have many more repayment options than private lenders ; however, there needs to be some cooperation in the repayment process. It 's extremely hard to begin or elevate a career when you are in so much debt that it is crippling to your ability to grow financially.
Product: Debt collection

They say they are from Fitzgerald and associates XXXX. They will not tell me what it about just that i owe money. They refuse to create paper trail or provide information. They will not provide me anything in writing. They threatened to take my car away. They called me on my cell phone at XXXX on XXXX. They called me at work on XXXX and i asked them not to call me here. They called again on XXXX i asked them not to call me again.
Product: Checking or savings account

I was on a joint account with another owner. When I open the account I asked the banker if both of us have the same rights to deposit and withdraw money from the account and I was told yes. Recently I wrote myself a check and the bank it was issued from rejected my check. They called the other account holder to ask if the check is valid however they never asked me if it was. So I went into the branch to withdraw money and they wouldnt give it to me unless the joint owner was as there. I never singed up for an account with dual authority on the account and I never signed anything. The joint owner of the account has a lot of month with this bank its giving me the impression they are only siding with her because of this.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/year>