23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.
Product: Debt collection

This company and the cellphone company in question were both included in bankruptcy that I had and I have never had another account with the cellphone company. The debt collection company sent a letter and I responded immediately with a debt validation and never received anything. What they did was put the collection on my credit reports without validating or sending me any of the information that I requested.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX Subject : Request for Removal of Unverifiable Account Dear Consumer Reporting Department, I am writing to inform you that after disputing the following accounts with XXXX, the accounts were fully deleted from my XXXX credit report as of XX/XX/year>. The accounts involved in the dispute were : XXXX XXXX Delaware XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Since XXXX has deleted these accounts from their records, the information should no longer be considered valid or reportable on my credit file with your agency. Therefore, I respectfully request that you conduct your own investigation into these accounts and delete them from my credit report as well, in accordance with the findings by XXXX. 

In accordance with FCRA Section 1681i, if the information reported by you can not be verified, it must be removed from my credit file within XXXX days of this notification. As XXXX has already determined that these accounts were unverifiable and have removed them, I trust that you will take appropriate action to ensure that my credit report is accurate and up to date. 

Please be advised that if these unverifiable accounts are not removed from my credit report within XXXX  days, I will have no choice but to consider further legal action to enforce my rights. Under FCRA Section 1681p, I have the right to seek damages for any violations, including the right to sue for failure to remove inaccurate or unverifiable information. 

I expect to receive written confirmation that the accounts in question have been removed from my credit file within the legally required XXXX period. Should the accounts not be deleted, I will pursue all legal remedies available to me, including filing a lawsuit. 

Thank you for your prompt attention to this matter. Please notify me of the status of your investigation and removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX XXXX OF XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to a number of actions that you have taken that have completely disregarded my rights under the FCRA, FDCPA, AND THE FACT ACT in which you have a legal duty to comply to. Failure to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) You failed to validate a debt at my request, FCRA Section 611 Part ( A ) ( 1 ) which is a FDCPA violation and you continued to furnish a disputed debt. another FCRA violation. You also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me. " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense since I have a track record of you not sending documents back to me. By submitting an Identity Theft Report to a CRA, a victim can stop the CRAs from reporting information resulting from the identity theft on the victims credit report. The CRAs have up to four business days after they accept the Report to block the information. FCRA 605B, 15 U.S.C. 1681c-2. Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). The same prohibition on refurnishing fraudulent information to a CRA applies if the victim files there Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). CRA refuse to correct information after being provided proof of inaccuracy is a violation ; defamation, willful injury FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ) .CRA have not validated debt and they still continue to report FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to CRA 'S abusive and deceptive business practices.
Product: Vehicle loan or lease

I got a car loan through Western Funding, on XX/XX/2015. I had the car XXXX week before it started breaking down and leaving me stranded with my baby on side of the road, I had the car towed to the car lot per/ Western Fundings orders, after they fixed the engine pully that broke and stranded me and my 2 month old daughter I had the car 2 days after the car lot worked on it and the car completely quit so I called Western Funding yet again and of course they told me to have it towed back to the car lot so here I go spending another {$170.00} for towing fee, the car lot tells me that the car is a lemon and they want to give me a different car. I agreed, the bank aka/Western Funding also agreed, but then tells me I need to put ANOTHER {$2000.00} downpayment on a car that was {$3000.00} cheaper than the previous car, the sales man and I both was confused on to why I need to pay more of a downpayment, so I told Western Funding NO I couldn't afford another downpayment I had just given them {$3000.00} downpayment 2 weeks ago, so now not only am I without a car I'm also without the {$3000.00} downpayment I had just gave them, Western Funding refused to give me any of my downpayment back which when I originally opened my Auto Loan account with Western Funding they told me I had 30 days, if the car broke or was faulty I cod get my deposit back, and that it would NOT go against my credit. Well that's all a LIE they have 2 REPORTS on my credit and refuses to stand for HONESTY AND DIGNITY.. they are scam artists they tell you what you NEED to hear in the moment of need and XXXX YOU AS SOON AS YOU BECOME THERE CUSTOMER
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX
Product: Checking or savings account

I deposited @ {$1500.00} dollars in state issued unemployment checks via mobile top my Chase checking account on Friday afternoon XX/XX/20. I was told i had a small amount available to me immediately and the rest would be accessible after XXXX XXXX  the next day. The next morning they were not there. I called again and was told by someone else that there is a 7 business day hold on the funds and they will not be available till XX/XX/20. I explained i was out of town with my daughter and we needed the money. They tried to tether the funds but told me they couldn't. When i told them they are govt issued checks and shouldn't be a problem plus i don't have any history of ever depositing bad checks, they told me there are issues with the checks?? My daughter and I had to cancel our plans and drive home with no money for food, gas, lodging e.t.c. I waited 3 months to get paid and now they want to hold my money longer??
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 15USC 1681 Section 602 States I have the right to privacy.

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

12 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to Experian disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that Experian VALIDATE that said information was mine. I advised Experian that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet Experian still claims the BK Court has CERTIFIED the information is accurate. XXXX XXXX XXXX XXXX has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
Product: Checking or savings account

I recently received two checks from New York State insurance fund due to me being on paternity leave. I decided to make a Citibank account in order to deposit those checks. I deposited them both XX/XX/XXXX. The very next day I was no longer able to access my account which from the verbiage on the app it made it appear as though there was an issue with the app itself and not my account so reasonably I decided to wait. The next day I am still unable to access my account but am receiving emails about my deposits that would indicate no issues. I walk into a branch only to be told that I should call a number that directed to me to their fraud department. Reasonably maybe I believe they wanted to verify the validity of the checks which I have all of the proof of. Instead I am told to wait 48 hours for my account to be reviewed and that there was nothing to be done I didnt get asked any questions regarding my checks or anyway for me to verify. Begrudgingly I wait the time and call back only to be told my account would be closing in 60 days and that they can not give me a reason as to why. I explain to them my situation in that I havent been paid in over a month and that those checks were my only income and I have XXXX XXXX and my partner to take care of and that I can not wait in excess of 3 months for funds that should be available to me as I have all the proof and even confirmed with my case manager that those checks were cashed in New York states system. They told me that their job was only to give me accurate information. That I understand and honestly I dont even care if they closed my account so long as I can get my funds and never have to deal with Citibank ever again but Ive spoke to so many people and being forced to wait and wait and now this is an issue of me being able to feed and provide for my family which is unacceptable. I dont even know how to fully explain myself here but hopefully this complaint reaches someone that can help me at the very least reopen my account or even transfer my funds I can not wait that long.
Product: Checking or savings account

An unauthorized transactions occurred between XX/XX/year> and XX/XX/year> totaling {$200.00}. I didn't make them and they refused to reimburse me.
Product: Student loan

My spouse called in my behalf to resolve my account and attempt to avoid defaulting on my account. I recently qualified for income based repayment but continue to be passed due on my account. I do not understand how i qualified for ibr but am still expected to make such an extravagant payment to make it current and avoid default. I need help. I am trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX # # # # # # # # # # # # # # XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian, XXXX and XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Transunion and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX
Product: Mortgage

After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge?
Product: Debt collection

I was alerted through my credit monitoring service that Columbia XXXX XXXX was reporting that XXXX XXXX XXXX in XXXX Georgia is reporting that I am in default for a lease ending in XX/XX/2023. I never lived there, never leased an apartment there. My information appears to have been used, but I never engaged XXXX in a lease. I requested the signature of the account and copies of the intake forms. They have not been provided. This report is additional damage to my credit. I have sent documentation of my electric bills to show where I lived during the period stated in the claim. This report is not accurate and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, Equifax and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Student loan

MOHELA currently features a warning at the top of my student loan account page that says " TIME TO RENEW '' and urges me to submit my income recertification by XX/XX/2024 in order to stay on my income-driven repayment plan. However, this is in direct contradiction to the information about IDR recertification on XXXX, which says : " The earliest you could be required to recertify is XX/XX/2024. '' I have tried contacting MOHELA about this and they refuse to respond or correct this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX with XXXX XX/XX/2023 XXXX-XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX