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

I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Debt collection

I owe a debt to my old university of a few XXXX dollars, basically for the past 2 years Ive been called non stop it used to be once a month then once a week then daily now its 2-3 times a day, Ive paid some of it before but I dont even see the debt on my credit report and its supposedly in collections Ive told them I just cant afford to pay on it at the moment but its just constant with these people calling me.
Product: Checking or savings account

i received a call from my bank stating that someone deposited a check via mobile deposit that was not made from me nor my device i told them i do not share my information and she said she was closing my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.
Product: Mortgage

Aspen XXXX, a/k/a Gregory Funding, is using deceptive and abusive practices to confiscate funds that are not in keeping with the strict adherence of the Deed of Trust. I have entered into an agreement with the county to compensate me for the easement for a partial taking. Gregory Funding is stating that their secure instrument requires that they are entitled to the funds, when it is clear that their formula and their interpretation of the loan document states if the partial taking is equal or more than their secured instrument. They are holding up on the Consent of the Lender letter required by the county in order to allow payment to me the borrower. The payment is in the amount of {$66000.00}. The Lender wants it applied to the mortgage, even though they are completely secured and the value of the property is approximately {$100000.00} more then the principal. They are not applying the Deed of Trust instructions in securing an appraisal immediately before the partial taking and the payoff immediately prior to the taking. The Lender will not be reasonable even when it was offered to divide the compensation due to the owner equally with the Lender.
Product: Checking or savings account

Account number XXXX is a checking account for XXXX XXXX XXXX. 

The bank refuses to release my money and/or give me a reason as to why there is a " fraud '' investigation ongoing. In fact, they will not let me communicate with their fraud department, only stating the fraud department will call me back, which they never do.

All I did was open a new account a few weeks ago. Due to the fact I did not know there would be a hold, a check bounced. I got information today my account was now available but when I tried to make a XXXX food purchase it was declined. 

Everbank refuses to let me speak with anybody other than a customer service representative that will only tell me they are sorry and somebody will call me back. The funds have long cleared and I was not even trying to make anything other than a {$10.00} purchase.

When I called the customer service number, which I recorded, it states I have " AN AVAILABLE BALANCE '' in excess of {$3400.00} This bank is not only refusing to provide me with my lawful funds, they refuse to even communicate with me about the matter, other than through a customer service representative that can't even give me a contact name.

NO funds have been made available to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern Im writing to formally dispute incorrect information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I have the right to accurate reporting, and your failure to ensure this has negatively affected me.

The Issue Here are the details of the inaccurate information Ive identified : Creditor Name ( s ) : Equifax, XXXX, XXXX Whats Wrong : All XXXX  Bureaus are reporting the following damages to my credit score : " You have too many delinquent or derogatory accounts '' -- I have XXXX Hard inquiries, XXXX late payments reported, XXXX collections, XXXX Derogatory accounts. 

I have XXXX open line of credit that has never been late. 

" Too many installment accounts with a delinquent or derogatory payment status '' -- I have XXXX installment accounts with XXXX derogatory payment status " Lack of sufficient relevant real estate account information '' " The date you opened your oldest bankcard or credit card account is too recent '' - Account was opened 6 years and 4 months ago. 


This incorrect information has caused me harm, including damage to my credit score and my ability to access financial opportunities. I have been denied housing! I have been denied lines of credit, while not having any negative credit marks. 

What Im Requesting Under 15 U.S.C. 1681i, youre required to investigate disputes like this and ensure all information on my credit report is accurate. Heres what Im asking you to do : Investigate this error thoroughly. 
Correct or remove the inaccurate information. 
Confirm in writing that the changes have been made. 

Why This Matters Your failure to ensure the accuracy of the information on my credit report constitutes negligence, as defined by 15 U.S.C. 1681o. This negligence has led to measurable harm, including : Damage to my creditworthiness.

Higher interest rates.

Emotional distress caused by credit denials and financial difficulties.

If this issue isnt resolved quickly, I may be forced to pursue legal action to recover damages and attorney fees, as allowed by the FCRA. 

Supporting Documents To help with your investigation, Ive included : A copy of my credit report with the disputed items highlighted. 

Next Steps Please confirm that youve received this letter within 5 days and let me know the outcome of your investigation within the 30-day timeframe required by law. I expect this matter to be fully resolved by XX/XX/year>. 

Thank you for your prompt attention to this. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
Product: Credit reporting or other personal consumer reports

Noted when checking my recent credit report of XXXX inquiries from XXXX and XXXX inquiry from XXXX without my consent. Tried calling the companies but did not delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion that I am a victim of identity theft. there are open and closed accounts that are on my credit report that should not be there because they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE FOLLOWING DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I keep getting phone calls from American Express for a debt and credit card that belongs to my niece. My niece does not live here, they have been told this and told to stop calling. The person from the company said they got my name off of her credit report somehow, not her account because my name, my address and phone number are not in any way associated with this account. They are divulging her personal information to me which they should not be. They are disturbing my sleep pattern as I work night shift. I feel personally violated as they keep calling me for her debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX/XXXX XXXX  XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

Subject : **Formal Complaint Regarding Late Payments and Unauthorized Credit Reporting** I am writing to formally address a serious concern regarding my credit report and the reporting of late payments that I believe are inaccurate and have been reported without my written consent. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and fair reporting of my credit information. 

**Details of the Complaint : ** XXXX. **Late Payments : ** I have noticed that my credit report reflects late payments that I do not believe are accurate. I request a thorough investigation into these entries. 

XXXX. **Unauthorized XXXX : ** I have not provided written consent for the reporting of this information, which is a violation of my rights under the FCRA XXXX 

**Request for XXXX : ** I kindly request the following actions to be taken : - **Removal of Negative Information : ** Please remove all late payments and any negative information related to my creditworthiness from my credit report within XXXX business days. 

- **Cease and Desist : ** I request that you cease all communications with collection agencies regarding this matter, including any digital, email, or other forms of communication. 

I expect a prompt response to this letter and a resolution to my concerns. Please confirm receipt of this letter and inform me of the actions you will take to rectify this situation. 

Thank you for your attention to this matter.
Product: Student loan

For the past several weeks, I have attempted via multiple chat sessions with a XXXX representative to request a written letter be mailed confirming my canceled private student loan has been closed and there are no remaining obligations or balances on the account. The most recent request was today when my chat session was escalated to an account manager. XXXX joined the chat session and after reviewing the notes on my account, she stated she has limited access to assist me with my request and I need to contact XXXX. I responded to let her know I have contacted XXXX, and they said I need to contact XXXX. 

XXXX then abruptly ended the chat session with the following response, Its been a pleasure chatting with you today. Could you please take a brief moment to complete a survey. 

I am requesting the assistance of CFPB to resolve this issue as I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX i sent notice to all the credit companies about fraud on my credit. They all fixed it but Experian. They left a few things on there. I want them removed asap please
Product: Debt collection

WHOMEVER THIS CONCERNS : I HAVE ALREADY CONTACTED YOU THE FIRST TIME AND LET YOU KNOW THAT ( XXXX XXXX ) ( ACCOUNT # : XXXX ) ( FBCS FILE # XXXX ) ( WAS AN ITEM ON MY CONSUMER CREDIT REPORT WHICH IS NO LONGER REPORTING DUE TO FRAUD AND IDENTITY THEFT, BUT RIGHT AFTER I TALKED TO YOU SAID YOU WILL NOT PURSUEXXXX  ME ANYMORE CONCERNING THIS FRAUD ITEM..IN THE NEW LETTER YOU STATE TO FILE A POLICE REPORT AND FTC REPORT WHICH I HAVE ALREADY COMPLETED MONTHS AGO! !. I WILL ATTACH THESE ITEMS FOR YOU AND AFTER I SEND YOU THESE ITEMS PLEASE DO NOT CONTACT ME ANYMORE OR ATTEMPT TO TRY TO PUT THIS FRAUD ON MY CONSUMER CREDIT REPORT, IF YOU ATTEMPT TO PURSUE AND DO THIS!, NOT ONLY WILL IT BE REMOVED FROM MY CREDIT REPORT, I WILL ALSO SUE YOUR COMPANY. I REPEAT THIS IS YOUR LAST AND FINAL TIME HARASSING ME. 
THIS PRACTICE IS ILLEGAL ACCORDING TO THE FCRA! 

THANKYOU AND HAVE A NICE DAY SINCERELY XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX,2024 a charge of {$260.00} was on my Bank of America credit card. The very next day I disputed it. They said it would not show as a charge while they investigated. Which it did not. Now one month later it shows as a purchase on my account and they said the claim is complete. This is definitely a charge neither my wife nor I made. 
I was going to file an appeal with Bank of America but I doubt it will do me any good since they have already made their determination.
Product: Credit card or prepaid card

my XXXX payments are made on my direct express XXXX. as, I was issued a new card ; around XX/XX/23. my XX/XX/23 payment was made on my old card. after, receiving my new card, my old card would not work. every time, I call direct express ( XXXX ).. I get a recording, telling me to " call back later ''. how can I get my XX/XX/23 payment?
Product: Debt collection

I have previously sent a second letter on XX/XX/year> -Letter To Remove Inaccurate Credit Information This is my second attempt to have this account validated by your company. I sent out a direct dispute to your company over 45 days ago and received no response from your company. At this point I am requesting for immediate deletion.
Product: Checking or savings account

I currently receive my paychecks direct deposit using Credit Karma on XX/XX/2023 my paycheck of {$630.00} was deposited into my account and a freeze was placed on my acct. I contacted Credit Karma via phone and they told me that they are unable to tell me why the freeze was placed on my acct and that it was for my protection. They said that a special department handles these cases and they are reviewing the matter. They said they can not provide me with a timeframe and to just wait to hear back from someone via emal.
Product: Debt collection

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting
Product: Vehicle loan or lease

On XX/XX/XXXX, I filed a XXXX XXXX  Bankruptcy. Due to problems with my vehicle, I was granted permission by the court in XX/XX/XXXX to purchase a new vehicle within the bankruptcy. I completed the purchase in XX/XX/XXXX, which was a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, OH. Due to XXXX XXXX, my bankruptcy was XXXX  to a XXXX XXXX and closed in XX/XX/XXXX. Due to the conversion, my XXXX XXXX increased significantly and I was able to purchase a new XXXX XXXX XXXX from the same dealership on XX/XX/XXXX under direct XXXX XXXX. The XXXX XXXX accord which was financed by First Investors Financial Investors, was traded in for a complete and total payoff from the dealership as part of the new XXXX sale. 

During the XXXX XXXX  conversion, I " re-affirmed '' the XXXX Vehicle Loan, that I would continue to pay which I did, up until the trade in. 

After review of my credit report, the status of the XXXX XXXX XXXX is being referenced with a date of last update being XX/XX/XXXX in a " re-affirmed '' status. This is incorrect and needs to be corrected. Although initially re-affirmed during the bankruptcy conversion, due to the trade in, this account was paid in full per the terms of the trade, and First Financial Investors has failed to update this account appropriately to reflect a " Paid in Full '' Status only versus any references to being " Re-affirmed '' as the official status. This account was not paid out through the bankruptcy, and the continued reporting of " Re-affirmed '' is incorrect and malicious. 

A check was supplied to First Investors Financial Investors on XX/XX/XXXX from the dealership to pay the loan off in full, which they accepted, which acknowledges they accepted the full and complete payoff through check form, closing the loan out, which has nothing to do with the bankruptcy. 

It is unacceptable that you accepted a check, cashed it, and intentionally chose to falsely report the status of this account ascribing it to the bankruptcy, when you received a complete and full payout from the dealership. That is fraudulent and intentional.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), also known as 15 U.S.C. 1681 et seq., is a federal law that regulates how credit reporting agencies ( CRAs ) handle consumer credit report records. The FCRA 's goal is to protect the privacy and integrity of personal information, and to ensure that CRAs are fair, accurate, and confidential. The FCRA also gives consumers the right to access and correct any inaccuracies in their credit reports, and provides legal remedies if their rights are violated.
Product: Debt collection

Someone claiming to represent Navient calls my grandmother multiple times per week. 

They need to stop.
Product: Credit card or prepaid card

I authorized a payment of {$600.00} on XX/XX/XXXX which was processed. Today I logged on to my account to see that this company illegally took another payment of {$600.00} without authorization. They stated it was autopay ... .however, they set my autopay and it was at {$51.00} ... ..not {$600.00} and was set to be withrawn on XX/XX/XXXX as I had already made XXXX 's payment on XX/XX/XXXX. They double dipped and now I am stuck with an overdrawn account racking up fees, returned check fees, etc. They had no authority to take another {$600.00} payment. I spoke to the company today and was told a refund would be given in 5 to 7 business days and I would receive an email confirmation. I have yet to get confirmation. Not to mention I have a personal loan with this company too with an autopay payment scheduled for XX/XX/XXXX and now due to their mistake, my account will not have the funds to cover. I want my XXXX refunded IMMEDIATELY, and all fees incurred due to their mistake refunded as well as any fees or negative impact reversed on the loan with them that I will not have the funds to pay until my refund is received. They had no right to double dip on a payment.
Product: Credit reporting or other personal consumer reports

I recently updated my credit report and saw accounts reporting that I do not recognize.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX 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 has context menu