23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife and I have been getting calls from XXXX  ( collection company for XXXX ) the calls started Monday say we owed a bill. They say the service was disconnected in XXXX of XXXX and that we owe a bill over XXXX. The service was discontinued in XXXX of XXXX and the equipment was returned in XXXX of XXXX. We moved the end of XXXX this year XXXX and have no bill associated with the company listed. We have several confirmation emails from XXXX saying the service was canceled late last year and a receipt from XXXX from where we mailed back the equipment. They have called at least 10-13 times ( 3-5 times a day ). They are rude, hateful and outright disrespectful. They have been told not to call again, we have emailed the company with proof. We are contacting a lawyer if this does not stop. 

Company phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for.

I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay.

According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

XXXX  out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are competely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are completely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

Citi Card provided me an settlement agreement of {$4100.00} and it was all paid XX/XX/XXXX. The account was already closed and not active by the XX/XX/XXXX settlement agreement. After my settlement agreement was paid, it took them XXXX months to report to all XXXX credit bureaus. I was shocked to have seen the account still on my credit review account in XX/XX/XXXX and XX/XX/XXXX. Citi claims that they didn't close the account they archived the account and need to reopen the account to properly close the account.After all of the most recent federal laws being enforced for the last XXXX  years, they have caused me more financial problems for the past 5 years of paying more money for property insurance, utilities, auto insurance, and car payments.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX  Date of XXXX XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

Hello I found two unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.
Product: Checking or savings account

I have direct deposit through Capital One bank and like thousands of others, they have not deposited my paycheck. They still have not fixed it going into a holiday weekend. This is causing me to be late on bills which in turn causes me to get negative marks on my credit. Places we owe bills to do not care that we can not access our money. This is unacceptable.
Product: Student loan

I received another email by Navient on XX/XX/2022, after I made efforts with my loans actually, legally, in XXXX. " I am missing several payment credits '' for FEDERAL LOANS. I PAID IN FULL, loan XXXX in the amount of the total current balance due for XXXX. I am missing XXXX credit with Navient confirmation payment XXXX. In addition, I made a small payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is Navient confirmation XXXX. I also paid off 2 PRIVATE LOANS through XXXX XXXX. I spoke with " XXXX '' at Navient XXXX XXXX department over two weeks ago to confirm the settlement. My account still shows I owe for all these payments. There should be no balance or default status in my Navient web account, Signature Student Loan XXXX, XXXX, or XXXX. Navient gave my forgiveness for loan. Please see the attached Navient email, speaking the untruths about my false neglect. Please see attached file from XXXX XXXX of settlement. I paid the private loans in XX/XX/2022 to get the " default '' status off my credit report. So I paid on private loans in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I received a letter stating my personal information was compromised and data leaked appeared. 
Upon reviewing my annual credit reporting findings included Incorrect personal information, addresses, telephone numbers, collection debts with incorrect invalid information affecting my credit. 3rd party agencies accesi g my personal information. 
Due to the data leaked appeared my information has been exposed to the dark web. 
I am a XXXX XXXX XXXX XXXX XXXX and this violates my privacy and my child. Including affecting my ability to buy a home etc. 
21 results found my personal information leaked to other sources including the dark web which includes my SSN!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my Equifax credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These 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 And one more thing according to 15 use 1681s-2 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.

Check the attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an item on my credit report listed as XXXX XXXX XXXX was removed. It has now reappeared on my credit. 

This item was not verified and valid under the FCRA and by law had to be removed and cease all further collection and reporting actions. This has not been followed. 

This needs to be removed permanently, immediately, and as this is pending legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Six years ago I had my debit card stolen and someone deposit a check into my account using my PIN number. They also withdrew the remaining amount of money I had in my account. They withdrew about {$1000.00}. I let Bank of America now and they spent a month investigating and then let me know that about a week into the investigation they deleted footage from the bank of America ATM machine of the robber. I had a police report and followed all the steps that they required. I checked and there was about a $ XXXXXXXX {$500.00} limit on withdrawals so I do not know how they were able to withdraw almost {$1000.00} within a day. After about 2 to 3 years they forwarded the information to the XXXX and to this day I am unable to open a bank account because of this. Throughout this whole process the bankers at the location that I open my account where extremely rude to me and the people that were speaking to me on the phone treated me like I was a criminal even though I had a police report and they deleted the footage of the people that stole my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2023 I HAVE NOTICED FRAUDELENT ACCOUNTS AND INQUIRIES BLEOW IS THE ACCOUNT IAM DISPUTING NOW account name : XXXX XXXXXXXX account # : XXXX date last payment : XXXX BALANCE : XXXX $ INCOMPLETE ACCOUNT XXXX  IS GROUND FOR REMOVAL FAIR CARES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX a Lawsuit was filed against me by XXXX XXXX XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX XXXX XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Product: Checking or savings account

Starting on XX/XX/year> my account was closed due to fraud. I was told to wait for a letter and it would be 5 days. Then when I asked any other questions whether thru a phone call or the branch itself I was told I had to wait for a letter. I finally received a letter over a week later. I asked for my money because its mine and I have bills and children. They said I was not able to get anything until I received another letter. Then when another letter came they said it would be 15 business days until I would see anything, if at all anything fund wise in the form of a cashiers check. I have {$2800.00} in that account and its going to be over a month with no funds and my bills are all over due.
Product: Debt collection

CAVALRY PORTFOLIO SERVICE have file a complaint with the XXXX Police dept and the FTC please remove this Fraudulent account ASAP!
Product: Debt collection

On or about XX/XX/XXXX I received a suspicious call from an alleged debt collector based out of GA. They were attempting to collect a debt, for around {$1800.00}, but were unable to provide accurate information about the debt and my personal information. I told them the debt was not mine and they must have incorrect information. The debt collection agent was unable to give me the correct last 4 digits of my social. I received no official correspondence from the debt collection agency Professional Collection Service about the debt prior to them reporting it to the credit bureaus. This is illegal and an infringement upon my rights.
Product: Credit reporting 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 USC 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 have 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 a 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 than 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: Student loan

I have been paying {$520.00} towards my 7 XXXX student loans, serviced by MOHELA, through their auto-debit service since XX/XX/XXXX. 

My owed payment each month is {$220.00}. 

My XXXX payment was applied to all 7 of my loans ' interest and principal as expected, but the XXXX and XXXX payments were only applied to the XXXX unsubsidized loans ( notated as loans 5, 6, & 7 on my account ). This allowed interest to accrue on the other 4 loans unpaid. 

On Thursday, XX/XX/XXXX I noticed this issue and contacted MOHELA at XXXXXXXX EST. 

The service representative confirmed that what I saw was occurring incorrectly, and after 50 minutes of investigation by her supervisor could only say that the payments were applied incorrectly and that it would not happen again going forward. 

I asked to speak to the supervisor who did the investigation as the explanation that they simply weren't applied correctly was unacceptable, as I have been paying more than double the payment amount and no loans or interest should be going unpaid. 

When 'transferred to the supervisor ' I encountered an automated message that no supervisors were available. 

I have had multiple loan servicers since I entered repayment in XXXX and have been paying more than my payment amount for years so I am 'ahead ' of the payment schedule. Despite this, each servicer before MOHELA has correctly applied my payments to owed loan interest first, owed principle payments second, and then applied the excess to loan principle. Previous servicers have even had a helpful form when setting up auto-debit for the borrower to choose how to apply that excess, for instance, to the higher-interest loans. MOHELA does not. 

When student loan repayment restarted with MOHELA in XXXX, I spoke with MOHELA on the phone to ensure that auto-debit payments would be handled in the same manner as my previous servicers and was assured that they would. 

This 'error ' on their part has allowed more than {$170.00} of unpaid interest to accrue on the 4 loans that have not been paid into since XXXX. 

Despite their assurances this will not happen again going forward and admittance that this was an error on their part, nothing was explained or offered to resolve this issue. Asking to speak with a supervisor simply sent me into an automated system and survey. 

This is a gross and unacceptable payment handling error on their part that has financial ramifications for me and likely many other borrowers affected by the same errors.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies in my Equifax and XXXX credit report. According to my recent review, there are discrepancies between the information reported on my Equifax and XXXX credit report and that reported by other credit bureaus. Specifically, I have observed that my Equifax report includes 13 inquires that do not align with the records on my XXXX and XXXX reports. As well as I noticed that when I looked at my XXXX report there are 27 inquires that also that do not align with the records on XXXX and Equifax. I should not have these inquiries. Please remove immediately! 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I have previously disputed these inaccuracies directly with Equifax & XXXX however, the issue remains unresolved. 

**Details of the Discrepancies : ** - **Equifax** XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry date XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I request that the CFPB intervene to ensure that Equifax addresses and corrects these inaccuracies promptly. Please find attached copies of my credit reports from Equifax and other bureaus for your reference. 

Thanks a lot for your prompt response