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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Product: Vehicle loan or lease

The car was seized by the company in XX/XX/2015 after having reached a payment agreement of three months had to pay 1 and negotiate the other 2 months was made the payment of one of the three months and as they want they took the car.
Product: Debt collection

I am disputing the accuracy of the information Trident Asset Management LLC is reporting to my credit file with all of the three major credit bureaus ( XXXX, XXXX, XXXX ). Trident is reporting a collections account as " verified and accurate '', yet have FAILED to respond to my dispute letter, violating my consumer rights under FCRA. 

I mailed Trident Asset Management LLC a Certified Dispute Letter, # XXXX. However, the letter was returned to me as " Undeliverable '' ( copy of front and back side of the unopened, returned letter attached, as well as, an online notice from USPS indicating an attempt was made to deliver the Certified Letter on XX/XX/XXXX, but were unsuccessful ). Apparently, the contact information Trident Asset Management LLC provided on my XXXX  credit report is INACCURATE. Whether Trident provided inaccurate contact information deliberately ( there have been other consumer complaints regarding this already ), I can not ascertain, but what I do know is that Trident is suppose to provide correct and accurate contact information so that I may exercise my consumer rights to dispute any information they are reporting to my credit file with XXXX, XXXX and XXXX. They are now in violation of Section 609 of the FCRA and I am requesting they delete this collections account from my credit file with all three credit bureaus ( XXXX, XXXX and XXXX  ). 

Please also note that I NEVER received a 30 Day Notice to Dispute this Debt from Trident BEFORE they started reporting this collections account to my credit file with XXXX, XXXX and XXXX.
Product: Debt collection

On XX/XX/XXXX the collection agency Portfolio Recovery Associates LLC agreed to a " pay and delete '' settlement. I paid the debt but the collection agency never deleted the negative account from my credit report. I have made multiple attempts to address this matter with the collection agency and the credit reporting bureaus and have not received any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information on my credit report is incorrect and unknown to me, I'm demanding that these accounts be blocked for my credit files. The following accounts are, ( 1 ) XXXX XXXX {$290.00}, and ( 2 ) XXXX XXXX Account
Product: Checking or savings account

I submit this complaint against Bank of America for the following reasons : 1. The Bank suspended my bank services and froze my account without justification and caused me harm ; 2. When I called the Bank to complain, Bank of Americas customer service representative failed to take my complaint and to transfer my call to a manager ; and 3. When I called the Bank to complain, the Bank of Americas customer service representative lied by stating that the bank services would be  restored and the account would be unlocked on Monday, XX/XX/2019. My bank account was not re-opened and the services were not restored on XX/XX/2019. 
4. I have already filed a compliant with CFPB # XXXX-XXXX, and the Bank rejected on the basis that I was not the holder of the account, which is false. Please see attached documents.
Product: Vehicle loan or lease

Dear Ally/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. Also any other documents you have regarding this matter. 
Reasons I was mislead in believing only one bank ( Not Ally ) would be making an inquiry on my credit. Also Ally inquiry was duplicated on XXXX. XXXX removed one of the Ally inquiries. DISPUTE date generated and updated XX/XX/2022 Report # XXXX with XXXX. 
In close with this letter is the denial letter sent to me by you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried months to get this fraudulently address off my report experian refuse to remove it
Product: Debt collection

XXXX have sent a letter stating I owe them {$160.00} on XXXX XXXX for account # XXXX and Ive reached XXXX to them numerous of times and even went to the office to talk with a representative because I paid this account in full and i advised them of closing my account with XXXX. I started getting these letters harassing me stating I owe them. I did Pay the amount and have disputed it and they stated they would remove it now XXXX being sent to collection for something I paid for. Please help me as I do not owe this.
Product: Mortgage

Carrington Mortgage company settled with me, a XXXX veteran, on a short sale buyer in 2019. They have now filed a 1099-C form illegally by seeking the benefit of a 1099-C and a guaranteed loan by the VA. Please help us get the 1099-C revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 9 hard credit inquiries feom Chase Card on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All dates are 2017 and I have not applied for anything through Chase Card.
Product: Checking or savings account

On XX/XX/2020 at around XXXX AM, I received a called from my sister, XXXX XXXX, stated that Wells Fargo Bank was trying to get in touch with me and said I needed to call back. The woman leaving the message said her name was XXXX. I did not call back right away, but about 10 minutes after getting the message my phone began to ring. and continued to do ring twice before my daughter XXXX said, that might be Wells Fargo calling back. I then answered the phone and it was the woman named XXXX and that she was from Wells Fargo. She proceeded to tell me that there are some unauthorized transactions on my debit card. She went on to say that someone in another state was using my card number at a Target for {$690.00} and a XXXX for {$120.00}. She stated that Wells Fargo is shutting my card down and issuing out a new one. XXXX had my personal information like the last four of my Social Security and my cellphone number. She went on to say I will be receiving a verification code through a text message and to give her the number once I receive it. I did and she told me to hold on and not to hang up. Then she came back said I was all set and I should receive my new debit card in XXXX business days. I then hung checked my account and found that there was a {$2000.00} wire transfer out of my account. I immediately called the bank and told them what had just happened and that my account had been compromised. The person I spoke with at the bank was named XXXX. He then connected me to the fraud department where it was taken over by XXXX XXXX at Wells Fargo. I was given a claims number of XXXX.
Product: Credit reporting or other personal consumer reports

( XXXX, TRANSUNION & XXXX ) ( XXXX XXXX XXXX XXXX ) {$580.00}, XX/XX/XXXX, ( XXXX XXXX XXXX ) {$17000.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$730.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$5800.00}, XX/XX/XXXX, ( XXXX XXXX ) {$2000.00}, XX/XX/XXXX, ( XXXX. XXXX XXXXXXXX ) {$1400.00}, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX XXXX, a debt collector, and the original creditor, GENESIS FS CARD SERVICES INC, for the illegal and unlawful collection and reporting of a debt that was charged off as an asset for the creditor. 

XXXX XXXX XXXX has reported the debt as fully paid, despite the fact that it was legally considered an asset for the creditor with the charge-off. This act violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 4 ), which prohibits the reporting of debt as fully paid when it has been charged off. This act also violates the FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of a debt that is not legally enforceable against the consumer, intentionally hurting my credit score with prejudice and without a legal contract with me from the inception of the debt with the original creditor ( GENESIS FS CARD SERVICES INC ) . 

Additionally, XXXX XXXX XXXX and the original creditor have violated the Consumer Financial Protection Act ( CFPA ) by collecting and reporting a debt that was charged off as an asset for the creditor. Specifically, this act violates the CFPA 's provisions on consumer protection, in particular, 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. 

Furthermore, XXXX XXXX XXXX and the original creditor have violated the Truth in Lending Act ( TILA ) by not providing accurate and complete information about the debt and the terms of repayment. Specifically, they have violated TILA 15 U.S.C. 1632 ( a ) by not providing accurate and complete information about the nature and terms of the debt, and TILA 15 U.S.C. 1639 ( a ) by not providing accurate and complete information about the terms of repayment. 

Additionally, XXXX XXXX XXXX and the original creditor have violated the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act by collecting and reporting a debt that was charged off as an asset for the creditor. This act violates UDAAP 's provisions on consumer protection, specifically 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers.

I respectfully request that the Consumer Financial Protection Bureau investigates these violations, holds XXXX XXXX XXXX XXXX and GENESIS FS CARD SERVICES INC accountable, and requests them to submit a removal of this illegal, unlawful, and collection abuse from my credit report. I also request that these two companies ask the reporting agencies to send me a corrected copy of my report upon deletion. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Key Bridge was the collection agency. I was looking at this report and noticed that were invalid and incorrect account information. My tracking number from the post office is XXXX XXXX XXXX XXXX XXXX. It taken them way more than 35 days which is a violation of 15 USC 1681 ( A ) ( I ) ( A ).
Product: Student loan

For years, I have been paying all of my loans through a single payment. I have three loans. On XX/XX/XXXX, I paid {$1000.00} for my loan payments which is considerably more than the sum of the three loan amounts due. The due date for the loans was XX/XX/XXXX. I have been paying with this methodology for several years. 

For some reason, this time Navient did not apply this payment to one of my three loans. 

Upon researching this I have found that they have been charging me late fees for years on loans that I have paid in this manner. Note, I overpay so that I will not be late in future months. 

Again, they have charged me a late fee. In addition, they have listed my account as past due. 

I am including three documents listing the due dates of the loans and the payment date. Please note that in the two payment histories I am providing, the dates coincide up to 2016. For some reason, they have no history for one of the loans of any payment for 4 years.It was 4 years ago when they consolidated all of the loans to a single payment. There must be some glitch in their system now. However, I have had other problems with Navient in the past, I am no longer willing to forgive them.
Product: Debt collection

Since last reported on XX/XX/2019 I owe {$590.00} to XXXX XXXX XXXX. Not sure how that happened and not sure why they continue to badger me about something Im completely unaware of. I filed a dispute and I wait on results for that but I continuously refute the fact that I owe this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file
Product: Checking or savings account

Through its XXXX XXXX XXXX XXXX, known as XXXX, Navy Federal charged me {$20.00} for most overdraft transactions.
Product: Checking or savings account

While trying to use XXXX on my account I made a mistake and tried correcting it. XXXX the bank customer services and was told to wait until at least Wednesday to check on it again. But when I tried to sign back in to my account it had been blocked. So called again to their fraud unit discussed the problems gave all information and was told there was nothing they could do, except go to their. branch to correct it. Im XXXX yo recently had XXXX XXXX and am mostly XXXX XXXX and XXXX XXXX XXXX to move inside my home since I have no transportation. This block has stopped me from using my ATM card to buy necessary groceries which I order on line and have them delivered. I just need the hold removed from my account.
Product: Mortgage

On XXXX XXXX 2017 underwriters at Michigan Mutual and an underwriter at XXXX XXXX  interpreted guideline B3-6.06 of the XXXX XXXX selling Guide, under the heading " Property Settlement Buyout '' to imply that the buyout must be " court ordered ''. 

Because it would be illegal for any government agency to order an American to buy something, by definition, a settlement buyout can not be court ordered. 

I have tried many times to speak with someone with authority at XXXX XXXX but apparently the public does not have the right to do so. I have only been able to speak with representatives at XXXX XXXX that tell me they have no authority, and they insist there is no way that i would be allowed to speak with anyone who does.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my XXXX file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXX XXXX ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  accounts.
Product: Mortgage

Wells Fargo underwriter mismanaged our loan. error from origination. I have all the documents pertaining to this not answering to this problem they created. In XX/XX/2021 we refinanced with them, they had it appraised, I have it on paper part of the property was not secured in the loan. Wells Fargo was not paying the proper taxes. Because of their mismanagement I had to send them a check for over XXXX or our mortgage payment would go up over XXXX a month. I paid them but our mortgage payment still went up over XXXX. They are in denial and will not take responsibility. This has been going on now for months.
Product: Money transfer, virtual currency, or money service

Okay this happened in 2012 and I was young. I was trying to buy something on a XXXX server and it was XXXX and I never received the stuff I should have so I tried it again. Still nothing ever happened talked to the people on the server and I talked to pay pal and they just never did anything with the money but it was taken out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was denied auto loan credit by Lendmark due to information provided by Credit Reporting Agency XXXX. The information provided to Lendmark are as given : a ) Too few accounts currently paid as agreed ( False ) b ) Excessive Obligations c ) Number of recently opened accounts.. 

Key factors are included that adversely affected my credit score are as given : a ) Date of last opened account is too recent b ) Balances on accounts are to high compared to loan amounts c ) Too many delinquent or derogatory accounts ( XXXX ) d ) Insufficient credit history on installments
Product: Checking or savings account

Robinhood randomly restricted my checking account access and I cant use my debit card for any transactions. All my money is in this account and they just restricted it randomly and are holding my money hostage and giving me electronic responses whenever I contact them. I cant transfer money, pay bills or do anything. I want my money back now!! Ive been using this account for months without issue then all the sudden they restrict it for what?! Give me my money back so I can find a new bank to go to, this is ridiculous.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

Sometime in late 2020, I received notice from XXXX XXXX for debt collection for a loan of {$710.00}, with interest now amounting to {$2300.00}. 

I have never borrowed money from, or heard of XXXX XXXX. 

I immediately contacted my local Police Department and reported this fraud. I filed a Police report. 
I have called XXXX XXXX on XXXX occasions to deny this debt. And I mailed a personal affadavit denying this debt. 

XXXX years have passed, and I thought the issue was resolved or forgotten. 

Now I received notice from a debt collection company. I spoke with them and they suggested the identitytheft.gov ; which sent me here. 
They allege that the money was deposited into a XXXX account ending in XXXX. 
we have a XXXX account that end in XXXX.