23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is using XXXX XXXX XXXX to contact me without my prior written consent about an unverified debt that is not owed. XXXX XXXX XXXX is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by XXXX XXXX XXXX. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. XXXX XXXX XXXX claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. XXXX XXXX XXXX is committing mail fraud through interstate commerce. CAPITAL ONE has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.
Product: Credit card

An inquiry was posted by XXXX XXXX XXXX  on my Equifax credit report. Upon calling them they couldnt locate any information about me as per my data. I visited one of there branch after they advised me to do so. They also failed to provide any information. There decision was made on unmatched social security number provided. Simply social security number didnt match with credit file. Then how come inquiry goes on my record. Bank was totally fail to get any application for under my info. They investigate internally and gave me same answer I mentioned above then contacted Equifax. They couldnt understand my need and did not do anything. It falls under identity theft if social security number doesnt match with me then its not me. It happened XXXX. Bank was XXXX XXXX and credit company was Equifax. I am having excellent credit score and history. Such cards are always granteed approved for me as per all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently submitted a dispute to XXXX Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. National Credit Systems ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXX of XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to National Credit Systems, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. National Credit Systems and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian, XXXX, and XXXX all three letters stating that my payments in XXXX of XX/XX/2019 to XXXX XXXX XXXX XXXX were paid XX/XX/2019 and, were not late as, the payment was not even due to tell XX/XX/XXXX on my credit card, and XX/XX/2019 on my personal loan. I actually paid more than the payment required of me. I have enclosed my Bank statement the shows I paid on all of my accounts, the day I put money into my account payments went to each. I asked all three credit companies to please correct this issue as, I was not late, on my account in XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for pre-approval from XXXX and the lender had said it would be a soft inquiry. This hard inquiry on XX/XX/2021 is unauthorized. The second inquiry on XX/XX/2021 is unknown and not authorized. Please assist. Thank you.
Product: Student loan

I attended XXXX XXXX University for XXXX classes, then transferred to XXXX University due to my inability to get XXXX services to correct an issue submitting assignments. Now after withdrawing from this ( for profit ) school, they are saying that I owe them for the full tuition amount. This is negatively affecting my credit rating and impeding my ability to acquire housing and employment. I am XXXX and currently unemployed and homeless and unable to pay {$5.00}, XXXX full-tuition fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING FALSE INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
XXXXWhy was the assignment made?

-Who authorized the assignment? 
XXXX ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
XXXX ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for the account Ohio Department of Human Services with Equifax  and it is still showing on my credit file as under reinvestigation. I believe this dispute is older than 30 days and at this point I want to cancel this dispute and remove the dispute comments. This account is no longer in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XXXX. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Product: Credit reporting or other personal consumer reports

First off I was never notified properly by Nave Federal Credit Union of the XXXX debt that violates the FCRA lawsot has come to my knowledge that charge off Is a income and should nit be reporting on my credit even according to the CFPB AND THE IRS INDEBTNESS even the CFPB incorporated what the IRS stated and Nave Federal has reported the charge off that is not suppose to be and I would like to have it removed as inaccurate information off my credit immediately as it is a certificate of indebtness and thus causing and Violating FCRA AND FAIR DEBT 9RACTICE ACT and therefore ELIGIBLE FOR REMOVAL and theFCRA Act that all reporting must be accurate and this is inaccurate reporting violating my Rights to Privacy the 1974 act.The IRS defines charge off as XXXX XXXX XXXX Charge off and canceled debts are considered income and it is not to be reported as such and can not be reported like as too what Nave Federal has done to me I cancel any written, verbal or nonverbal agreements now instantaneously I made with you all And this is inaccurate reporting this shall be removed from the CRAS IMMRDULIATELY UPON RECIEVING THIS NOTICE AND REQUEST
Product: Student loan

These loans were taken out under coercion from my ex-husband. The only way to keep peace was to take out these loans. I was against taking these loans out. This is a case of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX XXXX XXXX made the first inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX/XXXX XXXX on XX/XX/XXXX, and I have no recollection of doing any business with XXXX/XXXX XXXX   XXXX/XXXX  made the third inquiry in question on XX/XX/XXXX, and XX/XX/XXXX, and I have no recollection of doing any business with XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of the current address that you require. To make the deletion easier, here is a list of the incorrect addresses : XXXX XXXX XXXX. XXXX XXXX XXXX In XXXX The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. Again, to make deletion easier, here is a list of the incorrect spellings : XXXX XXXX XXXX XXXX XXXX Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 
Thanks so much!! 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX CT XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Checking or savings account

PNC is not allowing linking of bank accounts to XXXX. They instead have told me they want consumers to send and receive money with their service XXXX. I believe in the consumer 's right to choose who they want to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX . 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Crown Asset Management ( CAM ) sued me in XXXX County, Indiana, and I just happened to find the summons on my front porch step flapping and blowing in the wind. It was only by pure luck I found the notice. If this unattached document had blown away I would have never know I was being sued, but fortunately I did find the summons and I responded promptly. The huge error on Crown Asset Management 's filing was that I do not live in the county where they sued me. Simple research based on my address would have easily indicated that my county of residence is XXXX county Indiana. CAM filed a motion to dismiss the case and then they refiled in the correct county. I was only able to find this out by checking the website XXXX daily to see if CAM refiled in the correct county. The case was initiated XXXX, but as of today I still have not been officially notified. I am a XXXX XXXX XXXX and my time and energy is dedicated to making sure my XXXX needs are met during this very difficult time. In addition to that, I am a mother with XXXX XXXX and the last thing I need is this company distracting me from my XXXX  and my own family. They have repeatedly contacted me before the court filing and have violated the Fair Debt Collection Practices Act by ignoring my plea for them to stop. They have wasted enough of my time and by having to respond to them over and over again without any results is very frustrating.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX with a balance of {$2000.00} is inaccurate and shall delete from my credit report. This account is outdated and passed the limitation over 15 years ago. 
I requested the ownership and the wit signature to see hoe this fraud account was opened under my name without my knowledge. 
Delete this fraud account if unable to provide me with proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a secure message on XXXX XXXX, XXXX to my auto loan financial institution CHASE AUTO to remove the false note that my financed car was AFFECTED BY ANY NATURAL OR DECLARED DISASTER because I was not affected in any natural or declared disaster. 

I received a response from CHASE AUTO on XXXX XXXX, XXXX saying that they submitted a request to their Research Department and within seven business days they were to send me an update in writing. 

I have yet to receive any further communication, electronic or written, from CHASE AUTO about this false claim on my XXXX credit report. 

Where I reside, XXXX, TX, was not affected by any natural or declared disaster. I do not want any issues with my credit report when I have to go refinance my house soon. CHASE AUTO is at fault and needs to remove this false statement from my Credit Report.
Product: Mortgage

I sent in all documents to Select Portfolio Servicing each time you send in documents they act like they don't recall what you send and have you go over and over the same thing over and over again. They reverify more than XXXX times in order to process a modification the rep don't remember what the other rep said and the loan department ask you to resend the same document over and over. I am getting nowhere with this company. Yet they are sending me paperwork that keep adjusting my payments higher and higher during the time I am submitting paperwork to be modified. I hang up the phone and was told just to send schedule XXXX page of 2018 and that will be it and the next day I call and we start back over all over again like we never talked  the reps have no information on what is being processed from what is finished what is a light bill to what is a gas bill I am getting no where with this modification after spending weeks trying to resolve it.
Product: Debt collection

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported to my credit report an account which I believed was not a valid debt and didnt belong to me.
I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a letter to Experian regarding a request to investigate things I deemed to be inaccurate and incomplete on my credit report Experian responded back with a stall letter on XX/XX/year> stating that its not me its a third party whom sent the letter I mailed the letter from my home Im not sure why they think Im a third party as Im trying to fix my own credit and get these inaccuracies removed to purchase a house and car.
Product: Debt collection

I am writing to formally dispute the validity of any debt claims you allege I owe, specifically the amount of {$570.00} as reflected on my credit report. I did not receive any written notice of this debt, and therefore, had no opportunity to address the issue. 

Additionally, I requested the company 's licensing and bonding : As per my rights under state and federal laws, I wanted XXXX XXXX ( also known as Credit Service Company , Inc. ) to provide documentation proving that they are licensed and bonded to collect debts in the state of Texas.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.