23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have disputed this debt directly with this company numerous times and received nothing back. However, they are still reporting this account to my credit reports. 30 days have passed since my last request for validation and still have received nothing
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have written this week regarding XXXX XXXX and XXXX XXXX seeking financial remuneration for unknown when they as a XXXX person by XXXX XXXX refused to relocate me to another unit and caused constant backups in the ground floor rust and rotted low income housing complex I moved to and constant chaos. The bathtub backed up with black soot or tar and finally had to leave, withheld my rent and they decided to want to sue me in housing court to evict me. I refused to endure any more duress, had relocated as It was affordable had just lost my home after 20 years and my mother fell ill and was traveling back and forth in addition to having them become privy to my attempts to file for public assistance to cover my moving costs as they made me wait almost a month for an inspector report that they did not schedule costing me hotel and further living costs that were to pay towards my moving that is still sitting in storage as I became XXXX and was denied five or six apartments by further sabotage and subsequent credit cards and other items by placing on my credit report. They refuse to stop and it is continuous. XXXX XXXX XXXX XXXX services assisted and vacated the apartment by XX/XX/19, left, traveled around cane back to donate and put the remainder of my stuff in storage to date and my mother died a few weeks later. All to continue to perpetuate hatred.
Product: Mortgage

I tried calling SunTrust/Truist four times this week and I also emailed Truist concerning getting the proper payoff letter for the second mortgage that I had with them that was charged off in 2013. Every time I called, the representative says that the payoff is zero. I received a letter from Truist with an amount on it, but the underwriter stated that it wasnt a payoff letter. I am trying to close on my refinance next week and if I dont close next week, then I will lose my locked in interest rate in which my interest rate has already gone up before while I have been waiting to get a payoff letter from Truist XXXX
Product: Student loan

The lender, Nelnet, failed to send me correspondence indicating when my forbearance period would end. This is despite the fact that Nelnet has my correct address on file. I found out through other means that my forbearance period ended last month, which means the interest became capitalized. Because of Nelnet 's failure to send correspondence to me, I have now incurred over {$10000.00} in capitalized interest. Please advise and assist. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX XXXX  FCRA Violation : hard enquiries not mine XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX 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

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding an unauthorized inquiry on my credit report, but instead of investigating the specific inquiry, TransUnion inexplicably started reviewing old accounts I have with the company. These accounts were not part of my dispute, and I had no issues with them. This action could have jeopardized my accounts, even though my only concern was the unauthorized inquiry. I want to clarify that my dispute was specifically about the inquiry, not the accounts, and I request that the investigation be directed toward resolving that issue alone.
Product: Credit reporting or other personal consumer reports

To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a payment in the amount of {$31000.00} into an account called XXXX XXXX XXXX, XXXX, who banks with Wells Fargo. The account/routing numbers : Acct : XXXX ; Routing : XXXX - Bank Address : XXXX XXXX, XXXX, TX XXXX : Beneficiary address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, From my bank, XXXX XXXXXXXX XXXX. I have an email from my bank saying that the transfer was successful, however, the receiver said they never received the money. I called Wells Fargo, and of course they wouldn't talk to me. I called my bank, they sent Wells Fargo an electronic bank to bank message requesting them to please verify that the funds were received. After I believe 2 messages, I called my bank and requested that they start the process of having Wells Fargo of return the {$31000.00}. Every three ( 3 )  days XXXX XXXX XXXX sends a message, and every time I call, they have received nothing back from the bank. Wells Fargo already got into trouble creating accounts in the names of their customers, without their knowledge, and here they are playing some game again! Since they can not verify that they received the money, I want my {$31000.00} back. I am not waiting for them to finally decide to respond. I want them to return my {$31000.00}! This has been going on since at least the XXXX of XXXX. It's going on two months. 
Thank you, XXXX XXXX
Product: Student loan

DISCOVER PRIVATE STUDENT LOANS -I TRIED SETTING UP A PAYMENT PLAN AFTER BEING DENIED A FOREBEARANCE. I INFORMED THEM I WAS HAVING A COMPLICATED XXXX. PHONE CALLS WERE MADE THREATENING MY CO XXXX AND JUST RECENTLY EMAILS WERE SENT TO A FAMILY MEMBER THAT HAD NO KNOWLEDGE OF THE LOAN. HOW HER INFORMATION WAS OBTAINED IS A MYSTERY. SHES IN THE FAMILY BY MARRIAGE NOT AN ACTUAL FAMILY MEMBER, SHE SHOULDNT KNOW MY PERSONAL BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX  2 ) Missouri Div XXXX XXXX {$28000.00} 3 ) Missouri Div XXXX XXXX {$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX {$3000.00} 8 ) Dept of ED/ XXXX  {$1700.00} 9 ) XXXX  {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}
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 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 XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

On XXXX/XXXX/2016 I received an email from my boss authorizing a wire payment for {$21000.00} to be sent to a consultant named XXXX XXXX to an account at US Bank NA in XXXX XXXX, MN. I sent the wire and then confirmed this with my boss. He then told me that he never sent this email. The email turned out to be a " spoof '' from someone who hacked into our email system. I promptly informed XXXX XXXX XXXX ( our bank ) to recall the wire and they confirmed later that day that the wire had been recalled. Today ( XXXX/XXXX/2016 ) I called XXXX to confirm and they told me that they are not sure that they could recover the wired funds.
Product: Credit reporting or other personal consumer reports

I have requested access to my credit report, tenant screening report and access to the online portal to dispute the last known inaccurate information on my credit report. Since then, using 3rd party applications, it appears that more inaccurate information has been added to my credit profile and Transunion makes it extremely difficult, if not impossible to dispute this information in a way that is reasonable and efficient. This is causing me harm and further legal action will be taken speedily to resolve and provide restitution for the harm being caused by Transunion.
Product: Credit card or prepaid card

In XXXX of XXXX  minimum payment was not processed had my account setup on autopay my bank account was never debited on the due date witch resulted in me getting a late payment on my credit file reach out to the company and they told its non thing they could do for me but next month the payment went through with no problem. The late payment is stop me from getting a mortgage for my first home.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Affirm and have a credit line amount that I can use for purchases. On yesterday XX/XX/22, I had a available credit line of {$490.00}. I was declined for a {$75.00} charge on XXXX. I always use the Affirm app to make purchases. I received an email from Affirm about an important notice about my loan. The notice stated that XXXX denied me for too many inquiries. There was no need for my credit to be pulled when I have an approve credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap. 

Have filed a fraud report and credit reporting companies still have this fraud account on my file.
Product: Credit card

This goes back to a previously filed complaint for I ordered an item on XXXX on XX/XX/XXXX. The item I received was not the item I ordered the wrong item and the device malfunctioned. It was not new as described and had been repaired with 3rd party parts. I requested to return the item on XX/XX/XXXX. I used PayPal credit as my payment method. I am disputing the purchase with PayPal so I can return the item. PayPal has given the seller to XX/XX/XXXX at XXXX TO RESPOND which they have not. I called PayPal on XX/XX/XXXX to see why I havent received any updates or response. They verbally gave me an address and told me to return it but the address has not been verified with the seller. I chatted with PayPal and they told me Not to return the item until the address has been verified with the seller. The seller it seems has not responded. If I do not receive an email with the correct address and is verified to return the item, I can not return something that has not been verified. I want a refund!
Product: Credit reporting or other personal consumer reports

I have never applied for or done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The company is not licensed to do business in XXXX
Product: Mortgage

Good Morning, I bought my home at : XXXX XXXX XXXX XXXX XXXX CA on XX/XX/XXXX. After being laid off from the XXXX XXXX XXXXXXXX in XXXX, I fell behind on my mortgage. I received a notice stating my home was being Foreclosed, and I needed to vacate the property, which I did at that time. 

It was recently brought to my attention that ; from my understanding, my home was not Foreclosed. From what I can tell, it appears that There was a trust ( unbeknownst to me ) added onto the deed of my home... .My Name is still listed as the Grantor ( See Attached ) it also appears that the home has been rented out for past 6 years without my knowledge, nor any monies received forwarded to me. 

I am urgently seeking legal assistance, as I've had no knowledge of documentation filed, nor have I received payment of any sort. 

Since I was Wrongfully removed from my home, I have been living with family, which has been a hardship to say the least. Any assistance would be great appreciated. Should you have any questions, or need additional information, I can be reached via Email or Mobile at XXXX. Appreciate your help.
Product: Mortgage

Hi, I refinanced a loan I had with Loancare a Service Link company of XXXX XXXX, VA. and went to a different company when I refinanced the loan on XX/XX/XXXX. 

I requested on XX/XX/XXXX a refund of my loan XXXX as Loancare was paid on XX/XX/XXXX. This was not enough time for the autodraft with XXXX   XXXX XXXX to stop the autodraft. I called Loancare on XX/XX/XXXX requesting a refund. I was informed to reach out to their research dept. I was given a reference # XXXX. In my initial letter I took a screen shot of the amount taken from my account. I was informed by XXXX on XX/XX/XXXX that it would take 7 to 10 business days to receive the overpayment/refund. On XXXX I contacted Loan care. I spoke to XXXX. XXXX informed me she would expedite the case on XX/XX/XXXX today I reached out again to check the status of the refund, I was informed by the supervisor, XXXX in XXXX, the refund is being delayed because I did not have the tracing number. The screen shot was not sufficient. This has caused a significant delay. I was only told the tracing number would be needed today. Not previously. I explained that I am not working. I asked XXXX if any other information would be needed to receive my refund and was told the tracing and loan number. I informed the supervisor I would be filing a formal complaint as I should have been told this from the beginning. She did apologize.. None the less I will need to wait several weeks more to get the refund back and the loan was paid off on XX/XX/XXXX. I would be appreciative if you could assist in expediting my refund. 

Thank you Very truly yours, XXXX XXXX XXXX XXXX number with XXXX is XXXX My Bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of checking XXXX ACH transaction
Product: Payday loan, title loan, personal loan, or advance loan

I called in asking for payments to cease withdrawal for date on XX/XX/24. I called in on XX/XX/24 and spoke with agent, XXXX, who refused to comply with FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Checking or savings account

I had an account with Bank of America around XX/XX/XXXX-XX/XX/XXXX joint with my mom. I opened it while I was in high school. I had approximately 2,800 in the account when the account was overdrawn by {$1000.00} and my account stated that I had written a check with insufficient funds even though a banker specifically told us that the money was taken from my account to pay for a loan that was fraudulently taken in my mother 's name.
Product: Debt collection

I CAME TO A SETTLEMENT AGREEMENT WITH FBCS INC ON XXXX XXXX 2015 FOR THE AMOUNT OF {$320.00} and they have sent me an outstanding balance letter of {$210.00} stating I still owe them money. The conversation was recorded on their end and also recorded on my end. I would like this resolved to show I have a {$0.00} balance as agreed to on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.