23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was charged for a service I did not receive. I immediately called the company and XXXX XXXX and XXXX. XXXX removed the charge but the company and XXXX XXXX did not. 
Recently I saw a collection on my report from Meridian Financial for this XXXX  year old item. I called, faxed and emailed Meridian, XXXX and XXXX XXXX. Today I received a notice that my credit score decreased substantially due to a report on XX/XX/XXXX from Meridian that I am currently 5 months delinquent on a current debt which actually dates back to XXXX. 
For a company to purchase a debt and report it 7 years later is not in keeping with the Fair Credit Reporting Act. I request that all notices regarding this erroneous charge on my credit reports on be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit TransUnion report in XXXX 2019 and noticed several unauthorized inquiries. I called TransUnion XX/XX/2019 and informed them that the inquiries were unauthorized and illegal. I called twice and both representatives said that they could not dispute inquiries because they were factual pieces of information on my report. I responded to them by saying that the inquiries were illegal and unauthorized, but also that they were damaging my credit rating and needed to be removed immediately. The FCRA says that lenders have to have my permission to pull the report and provide a firm offer of credit, neither of which occurred with these unauthorized inquiries. On XX/XX/2019, I sent TransUnion a letter listing the inquiries and explaining the same information I did in the 2 phone calls. They did not respond to my letter and the inquiries remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX CLOSE accounts on my credit report show different dates of last activity. Remove immediately due to inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act 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 my account without my written instructions.
Product: Credit card or prepaid card

Attn : XXXX of the XXXX - Citicards I took advantage of a promotional offer from Citi to use a cash advance at a low introductory rate, which included a balance transfer fee. Prior to that, I hardly carried any balances on my card or any other credit cards. I received offers for a balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX XXXX Department XXXX # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to notice that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money..
Product: Checking or savings account

On XX/XX/XXXX of XXXX  I had to file two police reports of fraud from Bank of America, someone tried to open up an account or has an account in my name, not sure if it's a checking/savings account or credit card. The company did not give me any information as to who opened it or who has it. XXXX  XXXX  police report of fraud is # XXXX I live in XXXX XXXX, Oregon XXXX police report of fraud is # XXXX the person who opened account is in XXXX Oregon.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This account is reporting several inaccuracies. This account reported 120 days late consecutively, in XXXX of XXXX and XXXX of XXXX. In addition the continuous monthly reporting of charge offs beginning of XX/XX/XXXX to XXXX of XXXX. As you know this is not correct and also a violation of my rights. Because of this inaccurate information this account needs to be removed from my credit report due to not properly validating the information in which a company has passed on to you. Please delete immediately. When the requested above deletions are made, please email me an updated copy of my credit report.

AccountXXXX XXXX XXXX Account XXXX XXXXXXXX
Product: Payday loan

I received a phone call several weeks ago from the following number,XXXX. The lady stated that her name is XXXX and that I have a legal matter against me from a payday loan. She stated that I received a letter back in XXXX for repayment. I do not have this document. When asked who the company was, she stated that it was from a USAA payday services. I told her I could not recall this. When asked about if I could have documents that can prove this, she stated that I owe {$750.00} and that I need to make this payment before any additional legal matters can be pursued against me. When I asked again for documentation, she stated that she did not have time to provide that but if I was unable to make this payment due to hardships, she can reach out to a board to confirm if I could make installment payments. I was placed on hold for 10 minutes and she came back and said that a board approved for me to make installed payments in the amount of {$250.00} to close this legal matter out. When I asked again if there was any documentation that she can provide to me before I can commit, she stated that I would received a document showing receipt of payment. When I asked her if there was any document regarding the so called original letter that went out back in XXXX, she failed to provide any information to me. I was transferred to a payment center by the name of XXXX ( XXXX ). When I asked the rep about who they were, she stated that the process for over 20 companies and is a third party of the entity that has filed a legal matter against me. Again, no one was able to provide any details surrounding this payday loan or provide any documentation that would be sufficient for me to confirm this matter. I was told to provide my checking account information as these people have my home address and phone number. They were able to locate me and stated that in order to ensure that this issue is resolved, I needed to sign this form to have the first payment come out of my account on XXXX. I reluctantly provided this information due to the people stating that I would receive a receipt, however, I am still questioning the legitimacy of this matter. I want to make sure that I am not be violated against as I strongly believe that I am as I researched this XXXX number and I see many complaints of a possible scam. I have been a victim of identity theft in XXXX for which I closed out my accounts and went to the police back in XXXX because of stuff like this. I do n't want to be a victim of someone who is attempting to collect monies or if this company is violating any UDAAP policies towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR HARLEY DAVID # XXXX DEAR CRA / HARLEY DAVIDSON ; I was going through my motorcycle Harley Davidson finance and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. 

Similarly, I disputed the validity and accuracy of the account for XXXX XXXX XXXX  on my consumer credit file, requesting physical information, which was never received, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never gave any consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file.
Product: Checking or savings account

I was being charged over draft fees when the funds were there. Even if the funds wasnt there they were letting it go through and charging me over draft fees
Product: Payday loan, title loan, or personal loan

I had moved from XXXX  to XXXX  during covid for work because i had lost my job in XXXX. I called the title max store in XXXX  every chance I got to tell them everything that was happening. I got behind a few payments because of my job loss, moving and covid. It didn't help that my loan didnt go down any due to the high interest rates. I was very transparent with the title max store in XXXX XXXX  while I was living and working in XXXX. Apparently I was too transparent because after a few hours of being off the phone from the XXXX XXXX  title max store, my car was repossessed that night. My sons car seat was in that car, he couldn't travel anywhere being XXXX  years old without his car seat. I gave almost all the money I had to try and pay my loan and after they took my car I had nothing left. This was during a time people were understanding about covid and job loss. They took my car 2hours away to XXXX XXXX  to sell at a auto auction. I was able to get another loan from a family member to buy my car back. The manger acted like he was being helpful and acted like a friend. They even make sure everyone does a 5 star review on XXXX before leaving with your title loan athe the XXXX XXXX  location. I updated my review to show how poorly he treated customers in a time of need.
Product: Debt collection

There is an acct from XXXX XXXX and XXXX XXXX XXXX that was removed from all 3  credit reports then popped back up on them. I have asked Equifax , XXXX XXXX and XXXX.  I have asked for validation of these Accts and they refuse to validate as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

my information was leaked in the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries RESIDENT VERIFY  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, ... ... ... ... ... ... ... ... ... Account XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # XXXX {$190.00} Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
* I am advising that these listed inquires e removed from my credit report RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX  XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX ACCOUNT:XXXX XXXX ACCOUNT : XXXX XXXX ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

During process of closing XXXX XXXX, XXXX was aware and still proceed3ed with closing that property conflict with title ... being title of said property showing commercial and loan ( XXXX loan ) attached to said property XXXX XXXX would only be valid for residential properties. Initial delay in gaining access to property purchased XX/XX/XXXX XXXX due to unforeseen matters : tenants that refused to leave, covid, Hud advisor allowing XXXX to start work without permit verification then once tenants left covid over we process ( hire company ) to pull plans and permits city says NO on conversion of 100 % resident for property making XXXX XXXX void. XXXX mortgage delaying and refusing answer what comes of funds not used, to add XXXX XXXX loan to principle or allow usage to rehab. XXXX XXXX, XXXX was aware of trouble, emails sent no valid replies and closing was able to commence adding to trouble/delay. XXXX XXXX ALLOWED CLOSING OF DEAL KNOWING TROUBLE WITH TITLE. We have XXXX received NOTICE OF DELINQUENCY on XXXX tax notice which should have been caught and advised to all parties at closing. I should have never received this notice unknowing
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the 3 Credit Bureaus : XXXX, Equifax, XXXX to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had 7 different companies on the same day that pulled my credit report without my knowledge and consent. These are the following companies. 

XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Approximately, XXXX-XXXX of 2018, I began receiving telephone calls from Navient regarding student loans in my name. 

The loans were previously in deferment or forbearance. However, I was forced out of the graduate program for which I obtained the loans. While a graduate student, I was XXXX harassed by a male professor and forced to leave the program when I complained to another male professor. Now, I am being forced to pay more than {$1000.00} a month repayment for the {$100000.00} balance. Outside of winning a XXXX dollar lottery, there is no way in my lifetime that I can pay this loan. I am not wealthy and can not borrow money from anyone to make this payment. 

The telephone calls from Navient are harassing and occur on a daily basis, several times a day, even at my place of business. I have never given Navient permission to call my cell phone incessantly or my place of employment. 

I have asked Navient customer service to cease and desist from calling my cell, home and work phone. However the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS FAILED TO RESPOND TO MY DISPUTE WITHIN THE ( 30 ) DAY TIMEFRAME THAT IS REQUIERD BY LAW ACCORDING TO FCRA!!!!!!!! I've sent in my dispute letter certified with supporting documents on XX/XX/2018. They received it XX/XX/2018. NO RESPONSE!! I've sent a certified follow up letter about my investigation XX/XX/2018. They only sent me a letter XX/XX/2018 saying they need for me to send in more identification! ( I am not sending them anymore of my personal identification! ) On XX/XX/2018 I called Experian about the situation. They told me that they never received any dispute letters with my supporting documents!!!!!!
Product: Checking or savings account

So I got a purchase of {$11.00} something in Arizona and so a number txt my number and asked if I made the purchase. I believed it was chime but come to find out it wasnt after I gave them all my info including my SS # so they got into my account and transferred all the money I had from my savings and credit account and put in the checking and took out {$260.00} out the account under the name XXXX XXXX. They said they couldnt give the money back because they dont see any error because the people had all my information.