23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Immediate Deletion of Unrecognized Accounts Reference Numbers : FTC XXXX CFPB To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute several inaccuracies on my credit report and request the following actions : 1. Removal of Unauthorized Accounts and Items : There are multiple creditors and items listed on my credit report that I have no knowledge of and did not authorize. These items must be removed immediately.

Disputed Accounts : XXXX XXXX XXXX ( XXXX XXXX ) : Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Account Ending # XXXX ( XX/XX/XXXX ) Additional Accounts Ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX, {$430.00} balance XXXX XXXX XXXX ( # XXXX ) Opened XX/XX/XXXX, {$300.00} balance 2. Inquiries : I do not recognize the following inquiry and request its investigation and removal : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Background on Previous Actions : Experian ( XX/XX/XXXX ) - Dispute filed ( Reference : XXXX ). 

XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ), XXXX XXXX ( # XXXX ) - Disputes previously filed. 


Please investigate and address these issues promptly. I expect a response confirming the resolution within the timeframe outlined by the Fair Credit Reporting Act ( FCRA ). If additional documentation is required, do not hesitate to contact me at the address listed above.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a notification in the mail from one Allied International Credit Corp. saying I owed a debt of {$1800.00} to XXXX. I contacted XXXX and they do not have any record of any purchase on my account. This is a false document. XXXX also stated they do not deal with any one company to collect debts and they had no idea who this company was.
Product: Credit card

Wells Fargo did not credit my payment to my account correctly and reported a XXXX day to the credit bureaus in error. And charged me a late payment fee
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Synchrony bank tturn our account over to XXXX XXXX XXXX. to collect a debt on a credit card from lowes. Currently my husband is applying for XXXX for he has XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we were to pay. XXXX XXXX filed a lawsuit to collect the debt case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We then called a number given to us to call synchrony bank. We reach an agreement to pay XXXX dollars by the XXXX of the month. We have the bank statements and confirmation numbers for this. XXXX day on statement shows the lastest payment was pulled on the XXXX. The agreement was sent to XXXX XXXX XXXX on XX/XX/XXXX signed. Never received a response from XXXX XXXX, so we thought agreement was good. On XX/XX/XXXX we rthe courts asking for mediation and a bech trial. We thought issue was solved. I have made several attempts to reach XXXX XXXX XXXX. Where i waited over XXXX minutes on hold and the system after asking for a voicemail hung up on XX/XX/XXXX i lrft a message and receive no call back. On XXXX XXXX XXXX call synchrony bank said all turned over to XXXX XXXX XXXX and they claim they have no information on us. Please help.
Product: Payday loan, title loan, or personal loan

My credit report hasnt been updated since XXXX. I tried to open my account online and the website has been taken down. It looks like their doors were shut and items auctioned off. I cant find who owns the loan now, have no idea what my account balance is. But my monthly bank drafts are coming out - dont know where they go though. I will be stopping the draft until I can locate the creditor and get an account update
Product: Checking or savings account

I called usdirect customer service to have a transaction fixed. Instead my card was disabled with funds on it which i explained to them i needed and I had to pay {$13.00} to have a new one expedited to me on the XXXX of this month. Since then I've had to call them several times because I'm unable to use my new card online..I explained to them that I am bed ridden and rely solely on using online methods..They continue to tell me nothing is wrong with my card and it's nothing they could do..I was instructed on last night XX/XX/year> to not only trust someone with my card and send them to swipe my card to have it reset and to change my pin afterwards..Of course I did that and nothing changed with the card..so I was told to just withdraw all the money off and put it in a bank..If I had a bank account I wouldn't need direct express.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Bank account or service

Made a payment to my employee through her bank account with Comerica Bank. Payment was debited to my account but employee never received the money.
Product: Debt collection

I don't know of the collections on my credit report from Midland Credit Management and requested to be send the debt validation letter to me. There are XXXX amounts : {$680.00} and {$810.00}. I am requesting the collections/chargeoff be taking off my credit report.
Product: Checking or savings account

Around XXXX XXXX XXXX my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within 2 business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX5 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days 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 should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?
Product: Mortgage

I was charge a significant amount in closing fees of both of my re-modification loans. Well Fargo made the process very confusing, by not fully explaining the terms of the loans. During both closing processes, I was told my mortgage payment would not change. However, my mortgage payment increased significantly and the explanation provided was very confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. Account XXXX : XXXX XXXX. Account : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXXXXXX. Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Product: Credit reporting or other personal consumer reports

I'm writing because too many have I reached out to the XXXX Credit Bureau XXXX Experian, and XXXX to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXX XXXX XXXX XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXXcompanies here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light!

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXXbad cars in a roll. XXXX, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXXcyclinder they both should not be on the road. On the based of 15 USC 1861c and Section 623 and XXXX XXXX XXXX application XXXX dated XXXX XXXX XXXX XXXX XXXX ... and others
Product: Payday loan, title loan, or personal loan

I have recently applied and was approved for a personal loan with Marcus by Goldman Sachs. I was lured to their website via a marketing affiliate that they have. My goal was to use the funds approved to pay off another lender with whom I currently have a personal loan with. I went thorough a two step process of first getting prequalified and formal application for approval. In both of the steps, I was NOT disclosed or fully made aware that I can only use the funds to payoff a limited number of lenders or banks they they work with. I only came to knowledge of this information after receiving approval and when I attempted to set up the lender so that they can pay them directly, which is a requirement. I contacted their customer service and they advised that the only option I had was to pay off other lenders that are on their approved list or withdraw my application. I was not even offered the option to lower the amount of the loan since I had other debt obligations that I could use the funds to payoff or direct deposit to my bank so that I can use the funds to pay the other lender. I believe this " bait and switch '' practice is truly unfair and in violation of fair lending requirements. Please take my complaint seriously and investigate this further so that they can stop to deceive more borrowers.
Product: Debt collection

I have a Bay Are receivable collection with amount of {$290.00}. I have no idea how I obtained the debt, I believe that someone mistakenly has the wrong person.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX approximately XXXX in the day, sitting in front of my private property was my XXXX  XXXX XXXX Kia XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX and HYUNDAI LEASE TITILING TRUST, XXXX XXXX unlawfully stole my private family travel conveyance without proper notice. Pursuant to lease agreement between said parties, if a default is inquired repossession of the vehicle without prior demand, unless otherwise required by the law. Pursuant to Pennsylvania U.S.C. Title 12 ; which was sated verbally XX/XX/XXXX XXXX to a XXXX on a recorded line to KIA MOTORS FINANCE, I also requested to speak to a supervisor, which their policy states has a XXXX hours to return a call and it took XXXX hours to call me back on XXXX  the XXXX of XXXX and I talked to XXXX and she declined any information I requested besides a redemption process in which was she also stated I request the title and pay off remaining amount to the dealer ( XXXX KIA XXXX where I purchased my private family travel conveyance and send them the remaining balance which was not disclosed in the lease agreement nor was provided upon request. XX/XX/XXXX I sent a notice to set off was sent and received by Recipients and no response was given, XX/XX/XXXX again Notice for opportunity to cure was sent and received no response given. And XX/XX/XXXX XXXX KIA responded declining my payment and sent a letter stating they are no longer the holder of the title and to take matters up with HYUNDAI LEASE TITILING TRUST. I have also included case law the supports my statements. I also have complained to the XXXX.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and my account got fraudulent sins XXXXXXXX XXXX XXXX my social security was compromised and I got things on my credit report thats not mines and Ive been trying to dispute with the bureau but no progress
Product: Mortgage

I had a mortgage at Citimortgage. The second to the last payment ( XXXX ) I paid {$250.00} extra towards the principle. The escrow account had enough in it to pay off the balance. I have a confirmation number for this transaction ( done over the phone ). This was not done, but my mortgage was sold to another lender, XXXX XXXX, ( XXXX ), and now it will cost me about {$50.00} more dollars to pay it off. I have called twice to Citimortgage, and been told that there is nothing they can do about it now, the loan is with the new lender. I called XXXX XXXX, and requested a payoff, and it 's been over a week, and have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been 60 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

UAS continuously reports my acct as delinquent and it is not. It had been rectified but is now impacting my credit incorrectly once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to a rep from Transunion and I had a freeze on my reports someone let XXXX  XXXX  seen my files. My credit was reduced by {$750.00}. And now Transunion can locate my files. A freeze is to protect me from idenity theft andTransunion is requesting identications and A billing statement XXXX  asked for same thing and no response .Mail could be lost. its been a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the middle of a mortgage application and need to have a settlement on a property soon and my lender is not able to pull my Equifax report. I have called Equifax and they said there are no freeze or lock or fraud alerts on my report now. I have had problems with Equifax for a long time.