23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

since XX/XX/XXXX I have been trying to resolve an account on my credit report from National credit systems. they claim I owe XXXX XXXX XXXX. {$200.00} no clue what this is even for?? I never received any notice from anyone. I asked for explanation.but was never given a reason. just sent another bill. I want proof of how and why XXXX  is owed anything. I moved from there in XX/XX/XXXX but it shows XX/XX/XXXX. called XXXX but was informed to talk to the collection agency. National Credit has verified this account on all three credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. I sent two letters requesting info and still nothing. I receive tons of phone calls daily with recorded message like a robot saying to call them back personal business matter. I feel this is a scam.
Product: Checking or savings account

Opened checking account online in XXXX of 2022. I was dissatisfied with the customer service and other aspects of the bank, so I decided to close. Multiple representatives refuse to close the account over the phone or online, saying I needed to visit a branch. There is not a branch close enough to me to get to during open hours, as I am at work nearly all of their open hours ( I specifically wanted a bank account with online and after-hours services ). The representatives informed me that despite this, I must go in-person during branch hours to close even though the account was at zero and I had opened it online. They also refused to downgrade the account to a fee-free version. I continued to pay the $ XXXX fee for an account I did not use and did not want, but got quite fed up with this after 6 months of no resolution. 
After two months of me refusing to pay the fees, they continued to charge the fees to the empty account anyway, and they have apparently found a way to finally close it without me visiting a branch ( which is what I had been requesting all along ). They have put a negative report on my banking record, though, and still demand the last fees I refused to pay.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry made by your organization, SYNCB/AMAZON XXXX XXXX that appears on my consumer credit report dated XXXX XXXX XXXX I did not authorize this inquiry, nor did I apply for credit with your company around that date. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, any party requesting a credit report must have a permissible purpose, which in this case does not exist. 

This inquiry was made without my knowledge or consent and constitutes a willful violation of the FCRA, infringing on my rights and harming my credit profile. I am demanding the immediate removal of this inquiry from all credit reporting agencies to which it was submitted. 

Under the FCRA, I am entitled to {$1000.00} in statutory damages. However, should litigation become necessary, I will also pursue actual damages for emotional distress, time lost, credit denials, and any additional harm caused by this violation. I would prefer to resolve this matter amicably, but I am fully prepared to take this to court if required. 

Please review the estimated litigation costs your organization may incur if this proceeds to formal legal action : Expense Estimated Cost Court filing fees {$400.00} Process server {$150.00} Document preparation & postage {$100.00} Attorney consultation ( if needed ) {$1000.00} {$2500.00} Discovery/disclosure costs {$500.00} Travel/time off work ( actual damages ) $ XXXX Emotional distress ( actual damages ) $ XXXX Potential judgment ( statutory + actual ) {$3000.00} $ XXXX Estimated Total Exposure : {$6000.00} $ XXXX To avoid unnecessary escalation and legal expense, I am offering to resolve this matter with the following terms : Removal of the unauthorized inquiry from all credit reporting agencies, Payment of {$1000.00} in statutory damages, and A written mutual agreement with no admission of wrongdoing by your organization.

Please respond within 15 business days of the date above. If I do not receive a response or resolution by then, I will proceed accordingly through arbitration or file a civil claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid off XX/XX/2022 it was sent electronically from my bank they didnt post it until after the due date and I was charged a late fee in XXXX i called and paid the extra interese charge I checked my credit report today and still shows the full amount open I made a disbute with XXXX  yesterday I have been on the phone to speak with for 2 hours still waiting. Come its XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some of the information on my credit report that I believe is incorrect. I have identified several negative items that I request be removed from my report as soon as possible. 

Firstly, there are some personal details that do not belong to me, specifically the names " XXXX XXXX XXXX '' and " XXXX XXXX XXXX ''. Please delete these from my report immediately. 

Secondly, there are multiple previous addresses listed on my report that belong to other individuals. The addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these addresses be removed from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Thirdly, there are several employers listed on my report that are not mine. The employers are as follows : XXXX Emp XXXX XXXX XXXX XXXX XXXX XXXX Please delete these employers from my report immediately, as they do not belong to me and are therefore not relevant to my credit history. 

Lastly, there are several inquiries on my report that were not authorized by me. The inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. 

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

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX
Product: Debt collection

I am disputing a debt placed for collection that is based on false information and misrepresentation by the original creditor and the collection agency. 

I paid {$3700.00} as a security deposit to XXXX XXXX XXXX / XXXX XXXX in 2022. After I moved out, I was never provided with any itemized breakdown of charges or a refund. The creditor later placed a collection on my credit, claiming I only paid an {$800.00} deposit, which is completely false. 

The collection agency claimed that a statement of deposit was sent to me and that I had access to a resident portal. However : I never received a legal statement with itemized deductions as required by law. 

Portal access does not meet the legal requirement for written notice. 

No refund was issued. 

I was never contacted by the creditor or the collector with proper notice of this debt. 

The collection agency also falsely stated that I failed to request validation or respond. This is untrue. I filed a prior CFPB complaint about this issue, but it was closed before I could upload proof. I am now resubmitting with documentation showing that I paid the full deposit, received no refund, and was not notified properly. 

I am requesting : A full investigation That this collection be removed from my credit report That the debt be voided due to false representation and failure to provide proper accounting or notice I have attached a copy of my lease and payment records as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, KIA MTR FIN XXXX XXXX Opened : XX/XX/2017 Balance : {$420.00}
Product: Student loan

My financial aid package, which was tediously setup by the financial aid office at XXXX XXXX XXXX, currently includes a remaining XXXX in private loans and just under 8k in federal loans. I pay {$160.00} ( federal ) and {$250.00} ( private ) consolidated loans to Navient ( formerly Sallie Mae ). I have just over 31k in remaining balance. If I continue paying at the prescribed monthly rates until the loan matures, I will have paid over {$190000.00} over the course of 40 years. This is an egregious amount to pay over most of my lifetime, for a degree that will no longer be recognized as an industry standard acceptable degree from a reputable school. As such, I am seeking some retribution from the company that defrauded me into believing that I was paying a reasonable price for an industry recognized degree in a marketable skillset provided by a well-recognized school.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a U {$5000.00} transfer with Wise XXXX transaction # XXXX XXXX. The money was wired from my bank account to Wise account on XX/XX/XXXX, Up to date XX/XX/XXXX the money has not been transferred. Worse than that, I have been contacting wise daily through chats, emails, and complaints, and have already sent them the transaction receipt along with print screen of my bank account showing the transaction went through. They apologized for the delay and told me this would be solved. Now they are simply not answering
Product: Credit reporting or other personal consumer reports

A company had a Data breach and they have all my personal information down to my blood type and I been reporting say I was denied for credit I didn't apply for and I think someone has stolen my identity and is messing with my credit
Product: Credit reporting or other personal consumer reports

I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal.

You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of 1974 '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX inquirer : XXXX on behalf of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the accounts below and request your prompt assistance in addressing this matter. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed a fraudulent loan taken out in my name with a company called XXXX/XXXX. XXXX is the back that funded the loan for XXXX. After XXXX  investigated, they sent me a letter verifying that my claim was valid. 

The problem is the Bank that funded the loan is still being reported on my credit report. Experian claims that they contacted the Bank and the loan was valid, so the info would remain. I just got off the phone with the bank and they denied that Experian EVER contacted them, and further, they would possess NONE of my personal info. They do however fund XXXX  loans. Experian flat out lied about their investigation results about contacting the bank. I disputed both XXXX  and the XXXX XXXX  reporting. 

When I tried to CALL Experian mostly I got advertisements to join their premium membership and I would have a dedicated person to work through this for only $ XXXX/month. I have YET to speak to a live representative. I have uploaded the letter from XXXX  validating my claim to add as additional info on Experians so called dispute investigation with the Bank. 

It is clear they are not in the business of assisting consumers with fraudulent information and even make up false investigation results as they go. The bank claimed NO ONE at the bank at any level would have confirmed anything.
Product: Credit reporting or other personal consumer reports

Although I am entitled to an accurate credit report, I recently, around XX/XX/XXXX I checked my consumer report only to discover many inquires and a few account I didn't authorize. Immediately I contacted Experian the furnisher of the report, I began a dispute which included XXXX inquires, XXXX accounts as well as numerous variations of my name and addresses I never lived at. The following days I was contacted by Experian with the results of my dispute where all disputed items besides the addresses were disputed off my report as well as a bunch of inquires I didn't dispute. Pursuant 15 US code 1681 e It is my Right to an accurate report Experian violated my rights by furnishing my report to persons without permissible purpose. Said inaccurate information has led to injury by way of a drop in my credit score as well as multiply denials for too many inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have filed a dispute with TransUnion Credit Reporting service, they failed to properly investigate and verify the entry from XXXX XXXX # XXXX. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items. It appears that TransUnion is rubber stamping what has been placed in their files without verification. 
The original entry was from XXXX. XXXX has stated that they removed the entry on XX/XX/2012, yet XXXX has never updated their entry. Transunion has never verified the entry with the source. 
XXXX  has never replied to my specific request for verification. They sent me a copy of the original XXXX invoice for {$60.00}. No verification. I cancelled the service because it did not work, I had no signal strength. 
XXXX is attempting to use the Credit Reporting system as a collection technique. No specific response to my denial of the debt was forthcoming as of this date. My only source of current information is seeing their name on my credit report. The above is a scheme preying on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED AT 30 OR 60 OR EVEN 90 DAYS THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out to all three credit bureaus in regards to the accounts listed below, TransUnion, XXXX, and XXXX have all failed to send me the proof of the charge off and the copy of their investigation. 

XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because this company has repeatedly ignored my request for errors contained in information they're reporting to the 3 credit bureaus. This company will not respond to any of my disputes. For starters this company is reporting incorrect information across every single credit bureau. For example high balance is different for every bureau, date last active is also different, last payment is also different. These errors are seriously affecting my financial profile and it is incorrect. How could everyone be reporting something different is they are from the same furnisher? This information is completely incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Account Number XXXX Affirm XX/XX/XXXX Account Number XXXX WayFair XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I ran my credit report and noticed that an account was reported 30 days late when in fact all payments have been made on time. XXXX XXXX XXXX XX/XX/XXXX, with all on time payments made.