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

CBE Group is reporting collections on my credit file that need to be removed. I have been disputing accounts with them for debts and I have requested that they remove it. I have applied for hardship through the hospital and have been dealing with them directly about what accounts are mine. They told me to get in contact with the CBE Group who told me that all accounts have updated to a XXXX  balance because it couldn't be validated. They however continue to report this on my credit file. I will have you know that reporting invalidated debt on credit can constitute fraud under both federal and state laws. I ask that CBE provide me with a deletion letter to remove these accounts from credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the charge that was placed on my credit report by XXXX and XXXX XXXX for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, XXXX XXXX, and the three credit bureaus ( XXXX XXXX, XXXX, Equifax ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, Equifax did not remove the charge from its credit report.
Product: Debt collection

AWA COLLECTIONS XXXX Account Details ACCOUNT UTILIZATION {$720.00} spent {$720.00} Balance not me and this one also AWA COLLECTIONS XXXX Account Details ACCOUNT UTILIZATION {$1800.00} spent {$1800.00} Balance N/A Limit A credit limit is the maximum balance you can have on a revolving credit account, such as a credit card or a line of credit, that an issuer has agreed to extend to you. 

- Utilization Credit utilization rate, or credit utilization ratio, is the balance you currently owe divided by your credit limit. 

Report Date XX/XX/year> Account Type Collection Account Status Closed Monthly Payment {$0.00}-
Product: Money transfer, virtual currency, or money service

Transfer issue from XXXX XXXX XXXX Santander Bank 1 ) On XXXX was opened an account with Santander Bank Personal Signature account # XXXX with Manager XXXX XXXX from branch XXXX, located on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 2 ) Once account was stablished notice on XX/XX/XXXX activity of transfers between Santander Bank and XXXX XXXX of XXXX credits for XXXX cents each and XXXX withdrawal of XXXX cents steps to stablish bank communication electronically 3 ) On XX/XX/XXXX receive an email from Santander Bank congratulating me announcing that I can start transferring funds to this new Santander Personal Signature account # XXXX 4 ) On Saturday XX/XX/XXXX was initiated from Santander Bank, N.A, SANTANDER SELECT MONEY MARKET SAVINGS account ending XXXX request of {$25000.00} to XXXX XXXX from account ending - XXXX, after the request was placed at that point in Santander Bank website I notice the status on the transfer details was in process mode, I understood it was normal because it was a weekend non business days 5 ) I continue monitoring every day the transfer activities from XXXX XXXX and Santander Bank until I notice activity on XXXX from XXXX XXXXXXXX XXXX XXXX account ending XXXX activity of preauthorized XXXX SANTBK XXXX XXXX XXXX XXXX XXXX, resulting in a - {$25000.00} transfer to Santander Bank 6 ) on that same day XXXX start to monitor my account in Santander Bank to see the transfer , but the transfer status notice that the request transfer details has changed from ( in process ) to ( canceled ), on same day was called Santander XXXX XXXX XXXX and made a complain about this issue, as well I call the Santander Bank security spoke to XXXX XXXX asking to investigate this transfer after her preliminary reports I was told XXXX is holding the fund and will ask ACH 7 ) I was told by XXXX XXXX XXXX that the investigation has to start from XXXX XXXX which I did, and inform to bank Santander they provide me back a temporary credit until they finalice their investigation, investigation is finish XXXX XXXX remove the credit and sent me a letter saying Customer should resolve with Santander Bank to investigate as to where the funds are at Santander Bank, their recomendatios is to trace the ACH # XXXX Santander Company ID # XXXX XXXX ID transaction XXXX XXXX ) Mon XXXX about XXXX spoke to XXXX from Santander Bank told me he was able to find report from XXXX and left her a message to call me tomorrow XXXX phones that I provide Please Help XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against XXXX, its sales representative and Fortiva regarding a troubling incident that occurred in XX/XX/year>. The issues I am facing include deceptive sales practices, unauthorized credit actions, and violations of my consumer rights. 

**Incident Summary : ** 1. **Deceptive Sales Practices : ** A XXXX sales representative visited my home and persistently pitched their services. He made numerous promises that later proved to be false. He assured me that I would be paying only for equipment and alarm service through XXXX. However, he failed to disclose critical details about a loan, a hard credit check, and involvement with a third party, Fortiva. 

2. **Unauthorized Credit Actions : ** The sales representative instructed me to swipe through links on my phone and take pictures of my ID and a selfie. He claimed this was for identity verification. He then swiped through various pages explaining them which were false. Contrary to his statements, a hard credit check was performed without my consent, and a {$4000.00} line of credit was opened with Fortiva. This amount far exceeds the cost of equipment based on XXXX  own pricing and was not disclosed to me at any time during the sales process. 

3. **Violation of Consumer Rights : ** The representative misled me about the nature of the transaction and the credit implications. I was led to believe that only a soft credit check was involved and that no loans or lines of credit were necessary. As a result of the hard credit pull, my credit score dropped by nearly 30 points. 

**Attempts to Resolve : ** I have reached out to the sales representative multiple times via calls and texts, but he has not responded. I have also obtained screenshots of my texts questioning his false statements and the discrepancies in the sales process, as well him using a different name to sell XXXX then the name used with me which raises concerns about the legitimacy and transparency of his practices. 

**Requested Action : ** I respectfully request that the CFPB : 1. Investigate this matter and take appropriate action against XXXX and Fortiva for their sales representatives deceptive practices. 
2. Assist in removing the unauthorized line of credit with Fortiva and from my credit report.

3. Ensure that the hard credit check conducted without proper disclosure is removed from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to address these issues and protect consumers from such unethical practices.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, XXXX, and Experian
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 Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

.ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have tried XXXX times to update my address with Equifax so my lender can view my credit report. I must have called Equifax and spoken to agents regarding this matter about dozen times in the last month. They have instructed me that the problem is that they do not have my current address only my old. So, they inform me, the only way to remedy the situation is to fax them my old address and new address along with new lease agreement along with other documentation. I have faxed Equifax this information on two separate occasions, at the cost of me spending approximately XXXX dollars in gas and fax fees, as I live in the XXXX XXXX, a good distance away from any establishment with a fax machine. Equifax told me last week they received the fax. This week they tell me they haven't received any of the faxes! They informed me of this after I told the lender it was okay to pull my credit again. He tried and it didn't work. 

Now again Equifax is requiring that I send the information, this time via snail mail. You know I have already faxed them two times. I believe they are so massively disorganized they will probably lose my letter/documents again because they have such an excellent track record of losing these things. This is of great concern to me, although I will send the letter/documents again. With rapidly rising interest rates, Equifax 's sheer incompetence is probably costing me hundreds of dollars as we speak ( or type. ) This is ridiculous. 

The last fax was sent off on XX/XX/2023 at XXXX XXXX. 

I simply want my lender to be able to pull my credit.
Product: Credit reporting or other personal consumer reports

XXXX student loans on my credit report labeled XXXXXXXX  that are fraudulent. I did not open them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates you to remove any incorrect account from my credit report so please check the documents, as some of the listed account have inaccuracies in reporting, amounts, and dates.
Product: Debt collection

I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county.  this is harassment and I going to file charge against.
Product: Credit reporting or other personal consumer reports

I have submitted police/identity theft reports to XXXX, XXXX, equifax, XXXX to show that accounts from the U.S. DEPARTMENT OF EDUCATION are not mine i have sent my id to them numerous times showing my correct address and name as it appears on my id is what i want on my report and explained to them my credit report was exposed in the data breach. I have also sent documentation showing them that capital one was paid in full by progressive insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 

Dates : dating back since XX/XX/year> its in their records i can pull up anytime the dates. Amounts : XXXX XXXX XXXX XXXX paid in full vehicle is in possession of XXXX insurance still showing i owe them in the amount of {$2000.00}. 

US Dept of EDXXXX {$21000.00} the college they claim i attended XXXX XXXX XXXX XXXX has no information on me ever attending the college this has been on my credit report for years not even being my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in regards to account number XXXX. Gave a response to a complaint ( CFPB Number : XXXX ). The issue with the response is it does not address the issue it simply deflects it. The agreement worked out was payment would be made on the account in exchange for the trade line to be removed in full. Theyre recorded phone conversations where the promise was made. Payment was made per XXXX terms and copies of the check emailed with tracking and the check itself being certified and overnighted to XXXX. A month has now passed and they come back stating that the tradeline will stay and should remain on my credit for the co signed account. It appears they scammed me out of the payment and didnt keep up their end of the agreement. 

I demand that CFPB help me with having the trade line removed. My next step will be to file suit in my local court for the fraud ally committed were not honoring the agreement they worked out
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX XXXXXXXX Address XXXX XXXX XXXX Account number XXXX NAME XXXX XXXX XXXX XXXX : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX MO XXXX Dear, XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I mailed a debt validation letter on XX/XX/XXXX to XXXX XXXX XXXX to validate the alleged debt. I stated in the letter that the collection agency has 30 days to validate the debt which they never responded to my validation letter.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX reported this account to XXXX and XXXX with no account number I have file a complaint with XXXX and XXXX for this to be remove but they both say that it will stay on my credit report when they could not provide me with a contract that I sign with my name on it plus their was no account number I never sign any contract with this company. The amount that they say I owe is {$2200.00} and the account was open XX/XX/year>. Please have XXXX and XXXX to remove this account off my credit report. 

THANK YOU IN ADVANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX which should have aged- off of my credit report has apparently been sold and re-aged by Ability Recovery Services. 

I haven't had any contact with the original creditor or its ancillary.
Product: Student loan

RE:XXXX. In response to my complaint, Navient said that they never told me that in order to change loan servicers I would need to consolidate my loan. That is what I was told. That is the reason that I consolidated my loan. Then they assigned the loan back to Navient and took all of the interest I had paid fromXX/XX/XXXX toXX/XX/XXXX. 

I requested that Navient send me the consolidation paperwork which states that reason for the consolidation. They sent me the consolidation paperwork and the reason for the consolidation is not stated. 

Please ask Navient to produce the loan consolidation paperwork from XX/XX/XXXX with the reason for consolidation.
Product: Credit reporting or other personal consumer reports

1.Account Name XXXX XXXX XXXX Account # XXXX Date open XX/XX/22 This account do not belong to me. please remove it from my credit report. I also would like a update credit credit report mail to me.
Product: Debt collection

Thus was a fraud account, I disputed XXXX and over came back verified by experian with apparently they wasn't properly investigating so I finally contacted the company they gave me fee inaccurate evidence so one address they gave me I was able to track who done this so instead of pressing charges they agreed to pay in full so I called bank they agreed to remove but they have yet still been reporting inaccurate information that's damaging my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have contacted XXXX, the branch XXXX at : Prosperity Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX via certified mail XXXX XXXX XXXX XXXX XXXX received XX/XX/2022 and by phone leaving two voicemails requesting my calls be returned. So far to date, XX/XX/2022 I have not heard anything from XXXX regarding this issue. 

My mother passed in XXXX XXXX, Colorado and I have been trying to close her checking and savings accounts and have the funds disbursed to her address on file with Prosperity. I have also sent a completed and notarized Colorado Form JDF 999 - Collection of Personal Property by Affidavit. 

I am requesting XXXX last time before I seek counsel and pursue action against Prosperity Bank for non-compliance and breach of fiduciary duty with situs established here in XXXX XXXX Colorado due to my mother 's passing that these accounts be closed and funds disbursed to the record of address with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments