23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance XXXX {$6200.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, and the date last reported is not accurate. This is also grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 1681 section 604 A section 2 it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 6801 protection of non public information 15 U.S.C 1681i ( 5 ) ( b ) reinserting of deletion 15 U.S.C 6802 obligation to respect a disclosure of information Also the credit bureaus took longer than 30 days to complete their investigation here is my certificate mail tracking number Equifax ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account # ; XXXX, XXXX XXXX XXXX Account # ; XXXX, XXXX XXXX XXXX Account # ; XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Barclay Bank and told them that i did not do that inquiry for a credit card and asked them to remove it asap and they sad no.
Product: Debt collection

I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF NATIONAL CREDIT ADJUSTERS OF ALLEGED ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX ( XXXX XXXX ) stating that they had closed my account for high balance reasons ( I have attached the letter ). They gave me no warning that they were going to do this. I have had a XXXX  balance on this card for a year. When I called they said that they closed my account for non-use, diabolically different reason than in their letter. When I asked him if this would affect my credit, he hung up on me. 

I called Trans-union. The person I spoke with there said that it is on my credit report as " closed by creditor, '' or something close to that. He told me I could not dispute it because they just said they closed it and did not give a reason. 

I spoke with the Minnesota Department of Commerce first, who gave me your information. 

I hope you can help. I thought I was doing the right thing having a XXXX  balance. This card can only be used for medical, so it's not the type of card you would use on a regular basis. 

I don't want the card anymore, since I found out what a fly by night company this is, but I do not want this to appear on my credit report, thereby damaging my credit for no reason.
Product: Debt collection

Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Consumer Loan

What. I bought a Ford focus thru santander in XXXX XX/XX/XXXXthru my car dealer. Then the car was in accident XXXX XX/XX/XXXX and was totalled. The insurance PAID the car off in full. The car dealer returned my service contract money to them also. So they received over XXXX. They accepted the payoff. I have all copies of the insurance paperwork. Well now santander had turned it over to not XXXX but XXXX collection agencies. Nib management. And also Denville management. Ncb management is saying XXXX is owe and deville management says XXXX. That 's crazy it was paid off XXXX XXXX. Every thing is paid off but yet these companies. Santander and there XXXX collections agencies are down ng illegal practices. Please remove for all XXXX credit bureaus. Thank you
Product: Debt collection

Reached out to XXXX and XXXX XXXX XXXXXXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off/collection account without a balance due. Please provide proof of the charge off/collection or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX
Product: Student loan

I enrolled through for the SAVE plan on the student aid website and the company Edfinancial stated that I was still enrolled in the previous IBR plan that I was enrolled in. They stated I needed to pay an amount to switch, it turns out that they were supposed to contact me for this payment, but they never did. They then stated that since I hadn't paid the amount to switch payment plans, they denied the switch and proceeded to start accruing the interest on my balance ( they did this XX/XX/23, prior to when the interest would resume ). They never admitted to any wrong doing on their end and consistently said over the phone that I didn't switch my payment plan and that is why I was being charged.
Product: Checking or savings account

I was buying a product from an online seller. I was scammed out of it and have not gotten the product. The shipping company and the person combined cost me XXXX XXXX I filed a claim with wells fargo and they denied it. Im XXXX and this money is what im using to pay college. I was scammed out of it. I feel I was wrongfully denied.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX  writing to update XXXX  on XXXX  ongoing XXXX  report dispute with XXXX, Experian and XXXX regarding XXXX  information ( Ref : XXXX XXXX Experian : XXXX XXXX : XXXX. Unfortunately, despite filing XXXX  initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the XXXX, XXXX have not received XXXX  response or update from the bureau ( XXXX ). 

The continued presence of this XXXX  information continues to cause me significant harm and hurting XXXX XXXX credibility XXXX urge the CFPB to take immediate action and : XXXX. Investigate the bureau ( XXXX ) ' non-compliance with the FCRA. 

XXXX. Demand a prompt and thorough investigation of XXXX  disputed information. 

XXXX. Hold the bureau ( XXXX ) accountable for the delay and XXXX  harm caused. 

XXXX. Ensure the immediate removal of the XXXX  information from XXXX XXXX report if verified. 

XXXX  have attached the following documents for XXXX  reference : XXXX. Copies of XXXX XXXX  reports XXXX. Copies of XXXX XXXX letters XXXX. Copies of XXXX  supporting documentation XXXX provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Debt collection

Radius Global Solutions LLC has report on my credit report on XX/XX/2022 and violated the arbitration dispute with XXXX XXXX XXXX that is still ongoing to the present date. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). This account should must be removed from my credit report and all reporting and contacting must STOP IMMEDIATELY
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the XX/XX/XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under XX/XX/XXXX) & XX/XX/XXXX) ( a consumer contract with my signature on it ) and under XX/XX/XXXXXXXXXX/XX/XXXXof the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by theXX/XX/XXXX due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to theXX/XX/XXXX in accordance with the XXXX XXXX XX/XX/XXXX ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX. XXXX XXXX XX/XX/XXXXPlease remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Cashapp charged me when I shouldnt have been charged.
Product: Checking or savings account

No dates and amounts. Too many times over the years. I have had my balance in the negative due to fees, which made my other payments get rejected and returned, causing me more fees. 

I also had a checking account ending in XXXX closed without my permission. I tried to find my exact account number that was closed but can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Product: Vehicle loan or lease

Credit Acceptance repossessed my vehicle during the pandemic once I was unable to pay my XXXX a month carnote after I was laid off from my job now my credit is destroyed leaving me unable to get transportation plus the balance on my credit report is showing as if they gave my XXXX  XXXX  XXXX away because the amount hasn't changed from before they repossessed.
Product: Mortgage

The Mortgage Company is DITECH, XXXX. XXXX XXXX, XXXX, AZ XXXX, Tel. # XXXX-XXXX-XXXX Loan # XXXX My Wife XXXX and I have a Mortgage with Ditech Mortgage Company. Our current balance according t our statement is {$100000.00}, Ditech continues to harass us with the fact they claim our payment is due the 1st of each month which within is technically so. Our loan allows a 15 day grace period and is always paid each month consistently between the XXXX and XXXX in which we do electronically. 
My Wife works for the XXXX XXXX XXXX XXXX XXXX, she receives only one paycheck each month on the XXXX of each month. As soon as the funds are received electronically in our checking account we pay our Mortgage company payment, please remember the XXXX of each month moves. 
I've attached Mortgage Statements due for XX/XX/2019 & XX/XX/2019, please notice the balance due {$100000.00} for both months I mention, according to the XX/XX/2019 statement they are requesting a double payment due by this date. I've verified they received {$960.00} mortgage payment from XXXX XXXX XXXX XXXX on XXXX, XX/XX/2019 still within my 15 days grace period and they don't/wo n't provide an statement to me for XX/XX/XXXX that reflects payment received.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. These entries were not authorized by me and should be removed under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ). The details are as follows : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a credit freeze at TransUnion. I answered one question incorrectly, but was unable to correct it so I was locked out of the system. I tried for hours to contact TransUnion and was on hold the entire time. I then tried to find a way to email TransUnion and there is no option for emailing. My only option was to write a letter, and according to the website it could take 30 days to get a response.
Product: Debt collection

LVNV FUNDING LLC is a third party debt collector. I do not have a contract with them. They fall under the FDCPA. They have been collecting on a debt already paid. They are in violation of 15 U.S. Code 1692e.False or misleading representations and 15 U.S. Code 1692c - Communication in connection with debt collection. They have been reporting false information to consumer reporting agencies without my consent.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my negotiable instrument which is my social social security card pursuant to 15 USC 1602 ( l ) to Creditor XXXX XXXX XXXX XXXX. 
16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Debt collection

By the laws governing my state, the State of New Mexico, this company needs to be licensed to engage in their debt collection acitivities. They do not have a valid or active license in my state and therefore are unlawfully engaging in collection activities.
Product: Credit reporting or other personal consumer reports

All three credit bureaus EXPERIAN XXXX XXXX XXXX are showing my XXXX loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report this morning and saw accounts that shouldnt be there. I have no idea how they got there. I always review my credit report, and suddenly, there were these errors. I tried refreshing the page, hoping it was just some glitch, but the mistakes didnt go away. Im asking for a thorough check of the documents Ive provided because this issue needs to be resolved so I dont have to deal with this worry ever again.
Product: Mortgage

I was fully expecting to submit a dispute that was due today, XXXX XXXX, 2016, but my case has been closed in advance of the deadline! 

I am going to try to submit it here and call tomorrow morning to find out why my case was closed in advance of the deadline. 

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

XXXX  XXXX XXXX XXXX The account was to be REMOVED account was a account associated with Fraud of a Loan product that lead to loss of primary residence in 2007. 
I have written to XXXX XXXX XXXX XXXX, your agency and XXXX XXXX and Experian are still reporting this lowering my scores for years! Please reach out to them both I will attach the document which indicated the bank decision after the Fraud Case and The Federal Governments Decision to make XXXX XXXX XXXX XXXX correct the account. My problem is is this account was removed and placed back onto my Experian and XXXX XXXX Reports after all the years. This needs a resolution immediately.
Product: Checking or savings account

On XX/XX/2022 Two wires were made from my account that I did not authorized neither signor on the account my wife. I notice pretty fast of the issue and called the bank to tell them I believe my account was either hacked or someone is trying to do fraud so I told them to stop the wires right away. The bank mention because I called in a timely manner the chances of me recovering my funds totaling {$23000.00} were good. 

The day after I notice my money was gone! So I called the bank again asking why they allowed the wires when I specifically called them to tell them That it was not me that it was a hacker or a thief. They order me to cloae the account and open a new one and ask me to give them 10 days for an investigation. 

The 10 days passed and they decline my claim and do not want to refund my money. I challenge the desicion with a manager over the phone and was asked for another 3 days. The 3 days passed and still tje same response from bank they do not want to refund any of my money. 

I would like to add that I registered a physical keyfob as a 2 step verification for my account and somehow the hacker or thief was able to by pass this step which led me to believe that the bank is at fault here for poor security. I have been a client of the bank for XXXX years and still the bank wont help me. Need help!