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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/2018 Bank of America charged my account eight {$35.00} overdraft fees for items that were paid. My account balance was not overdrawn for a single one of those charges. This is not the first time this has happened.
Product: Mortgage

Lakeview Loan Servicing has not paid my property taxes for Q1 & Q2 of XXXX. There have been serval phone calls placed, and every escalation has been closed with no resolution. 
On the call earlier in XXXX, I noticed that they have the wrong block and lot number on the mortgage statement, which is why my taxes are unpaid. The person said they would have resolved. 
When I called back on XX/XX/XXXX, which was my 4th call, the person told me the case had been closed as resolved. When they called my township they again gave the wrong block and lot number, which is paid to date, through my mortgage payments. 
I was told at this time the situation would be resolved by XX/XX/XXXX. I just spoke wth my township tax department and nothing has been resolved. 
The next letter will be placing our home up for tax sale due to two unpaid tax bills. 
I need this paid and resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

I disputed the following collection accounts below directly with Equifax twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Equifax and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX ....
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Account name XXXX & XXXX Account number # XXXX, Account Name XXXX XXXX XXXX. Account Number : XXXX Account Name XXXX XXXX SYSTEMS. Account Number : XXXX Account Name XXXX XXXX XXXX. Account XXXX : XXXX Has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A. Section XXXX : it also states a consumer reporting agency can not furnish a account without my XXXX instructions
Product: Credit card or prepaid card

Hi I tried to open a credit card with XXXX through Chase on XX/XX/2022. I never heard back from them, no email no letter in the mail - NOTHING. I called them today on XX/XX/XXXX to see what was going on. The first person I spoke with found my application after I gave my social and address ( XXXX XXXX XXXX XXXX VA XXXX ) and said it was not reviewed before 30 days so it was denied. He mentioned something about the holidays, essentially saying they didn't have time to review it and to apply again. I asked why I was not notified and if there was another reason it was denied because I'm not going to run my credit again if the issue is their lack of staff or time to review my perfectly good application. He said there was no other reason listed and since its past 30 days there's nothing he can do. He was not sure why I did not get a letter but said he would pass me on to another department to figure it out. 

The next person I spoke to took my social and said nothing came up and that I didnt have an application. I said that's not possible because I JUST spoke with someone who found it. She asked me when I applied and I told her XX/XX/2022 so I know it's past 30 days. She said oh that's why it's been denied its too old. And I said I know that, I'm trying to understand why I was not notified sooner after you ran my credit and gave me no chance to answer questions or correct any errors. She put me on hold twice to find out and came back with no answers just repeated that it was past 30 days and that I should reapply. Then she said she would switch me to someone else to find my application. I said that's NOT my issue, we found it the first time, I want to know why I gave them all my info and was rejected and never contacted when they ran out of time. She just kept repeating herself so I hung up and called XXXX who said this was NOT normal behavior and to write them a letter to have the hard inquiry on my credit score removed. I was also told to file a complaint here. 

That same month I opened up an auto loan with XXXX and there were NO issues, so I can't seem to figure out, aside from them running out of time on their end and not letting me know, why I was rejcted. Since they found and then lost my application while I was on the phone with them and continuously recommended I reapply, I felt this was abnormal and fraudulent which XXXX agreed with.
Product: Debt collection

I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced HF Holdings, Inc.out of XXXX Florida. I received XXXX phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.
Product: Payday loan, title loan, or personal loan

It's says PNC has made a change which prevent you from linking your account
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report .I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out! 

This collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX
Product: Prepaid card

A Vanilla visa gift was purchased for me by a friend on XXXX XXXX in the amount of {$130.00} at XXXX, XXXX XXXX XXXX, XXXX, Ma. I tried to use the card at a XXXX XXXX XXXXXXXX and it was rejected. I checked into the card on the Vanilla website and found that someone had made 2 purchases at a XXXX in Tennessee on XXXX XXXX. I did not make these purchases. On XX/XX/XXXX I contacted Vanillagiftcard.com to report these unauthorized transactions, and I received a confirmation that my packet had been received and forwarded to their dispute resolution team. I was assigned a ticket case number, XXXX. On XX/XX/XXXX I was asked to submit the copy of the front and back of the card, and the receipt, which i sent on XX/XX/XXXX. I did not hear from them so I called on XX/XX/XXXX, and a representative from Vanilla told me that in my file, the company had requested a replacement card on XX/XX/XXXX. XXXX, the gentleman representative, could not get a resolution at this time but assured me that the case was on tracker and that I must call back in 48 hours for a resolution. I began calling on XX/XX/XXXX. After waiting 20 minutes on hold I would either be disconnected before connecting with a human, or once I connected with a human and gave my case number, I would immediately be disconnected. At this point, I concluded that Vanilla was not going to resolve my problem and issue another card, due to these unauthorized transactions. I then sent a complaint to the Attorney General, and they referred me to Consumer Financial Protection Bureau. I am hoping that you can help me with this case. Thank you.
Product: Credit card or prepaid card

Chase increased my XXXX several times over the last 9 months without notification and without cause. My rate rose from 20.74 % to 25.24 %. I paid off my account upon discovery several days ago. Had I been notified prior about the increases, I wouldve taken the opportunity to pay off the amount at the lower rates. When I called into Chase, both an agent and supervisor stated I shouldve received notification and put me on lengthy holds to find the dates of any notifications. They were unable to find any. Ive also reached out to Chase via XXXX XXXX, and was told Id receive notifications about any changes to my account. I was never notified.
Product: Student loan

I am XXXX XXXX and I am a natural person. This is me, the actual person submitting this dispute, not a third party. I am writing to formally request the immediate removal of an erroneous account reported by loan servicer Dept of EdXXXX XXXX account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, Dept Ed ( XXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. XXXX 's inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXXXXXX XXXX XXXXXXXX, the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. Moreover, the case of XXXXXXXX XXXX XXXXXXXX XXXX XXXX further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports.
Product: Debt collection

In the final week of XXXX, 2018, I switched from XXXX XXXX XXXX XXXX provider service to another wireless carrier. I asked for complete cancellation of services and to pay my bill in full. I paid the rest of what I owed them and they said I was released of all obligations, liabilities and debt. I don't have a reference number from the phone call because I didn't think to ask for one and they didn't offer one, but they should have my phone call in their records still ( from number XXXX ). Yesterday, I am alerted by XXXX ( official XXXX mobile app ) that my credit scores have begun dropping due to a new collection. I was never contacted by XXXX XXXX XXXX about a past-due balance, if they told me in error that I had closed and paid-off my entire account XX/XX/2018. The collections company they apparently sold the debt too, " Sequium Asset Solutions '' ( SAS ) as they are showing on my credit reports, has also failed to initiate any sort of contact with me or notify me of my rights to dispute the debt. I am reaching out to you proactively before I start down a " black hole '' of call center futility reaching out to XXXX XXXX XXXX or XXXX as I am closing on a house in XXXX and can not afford this gross incompetence and flagrant violation of consumer protections in place to affect my credit score. If there truly was anything owed after they told me there wasn't, I would have promptly paid it immediately upon receiving receipt of valid charges/billing. Thank you in advance for your help. My account with XXXX XXXX XXXX is/was also under the phone number XXXX and my wife 's number XXXX, now ported out to our current provider service. To further complicate matters, because my phone numbers are no longer with them, upon logging in to my XXXX XXXX XXXX account, they are refusing to show me any records like bills or receipts. I received 100 % of my correspondence in my online profile with them, they never mailed or even emailed ( except to send me a PIN or let me know my credentials were updated when I requested those maintenance items ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX  Dear, Transunion I, XXXX XXXX XXXX, have written this letter to dispute the claim that is falsely listed on my credit Report with your bureau. The amounts owed are no longer outstanding for the following items : Party Owed XXXX XXXX Amount : {$1400.00} Account number XXXX Party owed : XXXX XXXX XXXX : {$1200.00} Account number XXXX Party Owed : XXXX XXXX XXXX : {$1100.00} Account number XXXX Party Owed XXXX XXXX  XXXX XXXX Amount {$110.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$100.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$210.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount {$100.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$2200.00} Account number XXXX I am disputing this claim due to THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 

ssn XXXX drivers license XXXX Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX a voicemail message was received from a man named XXXX  stating he was a private courier commissioned in the State of Alabama was calling to notify us of sealed legal documents he needed to deliver to us. He said the documents required my husbands signature in order for him to release them he said " so I'm headed to your address in XXXX County shortly and when he arrived my husband needed to be available with a state issued ID in order to sign for the documents he said if we were not there he would then go to my husbands place of employment. He said if we had any questions or if we would prefer to schedule a time and a place that my husband could be to meet him to contact the filing party at ( XXXX ) XXXX-XXXX and mention case # XXXX.

I called the number back and a man named XXXX answered the phone. The company name he gave was XXXX XXXX. He said this was concerning a loan my husband made online and they were now suing us. I asked him to provide me with the circuit court case number in my county, as well as the attorney representing XXXX XXXX ( the lender ) and he said he didn't have it. That he will get my information to his " client '' and I will be hearing from them. He mentioned the client name was JTM Capital Management on behalf of XXXX XXXX. I hung up the phone with him and began doing research. There is not a lawsuit filed under XXXX XXXX, JTM Capital Management, or XXXX XXXX against myself or my husband. The county requires process servers to have license numbers which " XXXX '' nor " XXXX  '' provided in any communications, and the company XXXX   XXXX  is located in New York, and is a collection agency which states this is an attempt to collect a debt on their website.

I called " XXXX '' back on the number " XXXX '' left on the voicemail and he yet again had no answers for me. Nor would he provide me any contact information to his " clients '' he was fairly rude when I informed him of what I had found out about the company he works for and started raising his voice which made me feel uncomfortable so I ended the phone call by hanging up.

This company is attempting to inflict fear upon consumers at any length in order for them to make their commission for the month in their call center. The background noise of both the voicemail from " XXXX  '' and " XXXX  '' were very similar of other men leaving the same messages for other people. It really was not difficult to discover what this company was attempting to do, as well as discover that their collection practices are illegal.

The address to XXXX XXXX is XXXX XXXX XXXX, NY. XXXX.

It is very frightening to have strangers with no legal ground threatening to come to my home. I have the voice mail " XXXX  '' left saved on my phone and will be more than happy to play it, as he is stating he is commissioned in the state of Alabama which would require him to provide me with information proving that as true
Product: Debt collection

Dear CFPB Team, I am writing to file a formal complaint regarding a debt collection account that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c. 

Account Information : Collection Agency : The Receivable Management Date of Collection Notice : XX/XX/year> Details of the Complaint : 1. Violation of 15 USC 1692c : According to 15 USC 1692c, debt collectors are prohibited from contacting a consumer if they are represented by an attorney or have requested in writing to cease communication. In this case : - I have previously sent a written request to the collection agency asking them to cease communication with me. ( Include the date of your request and any relevant details. ) - Despite this request, the collection agency has continued to contact me, which I believe is a direct violation of 15 USC 1692c.

2. Impact : These continued communications have caused undue stress and inconvenience. I believe that the collection agencys actions are not only inappropriate but also illegal under the FDCPA. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I took out loans to pay for XXXX school and my loans were re-sold to other companies often and could not keep track of my loans until ultimately purchased by NAvient. As a XXXX XXXX I paid tuition with loans and was offered only forberance options. AS a XXXX making minimal money I was constantly put in foreberance as my " best option '' until I completed XXXX. By then my {$200.00}, 000 loans were now over {$320000.00} with over {$100000.00} of it at 8.9 %. I was cheated and never offered incombe based repayment plans until more recently and still have over {$100.00}, 000 in debt after already paying over {$200.00}, 000 to NAvient. I still live check to check because of these loans
Product: Debt collection

I am being charged XXXX by XXXX XXXX XXXX XXXX for a XXXX done on XX/XX/XXXX. I was never notified until XX/XX/XXXX that I owed anything. continental Credit Control sent me an email informing me of my debt. I was covered under my previous insurance through the XXXX XXXX XXXX XXXX XXXX. I have been taking XXXX for 30 years and have never had to pay. I am now retired and under a different health plan.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the negative items that I have been disputing with your department for some time now. Despite previous communications, I have yet to receive a satisfactory resolution to my dispute.