23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company has been harassing me with letters for about XXXX months, I have been requesting information and they have been slow in giving me the improper information. I have sent a letter in response to their claim on XXXX, XXXX. and XXXX. The alleged debt is from XXXX XXXX, 2015 and the New Jersey Statute of Limitation is XXXX XXXX XXXX XXXX years. XXXX XXXXXXXX XXXX. XXXX XXXX ) I asked them to remove this claim from their system and send a letter of conformation that you are not pursuing this invalid claim any further. But they still harass.
Product: Credit card or prepaid card

I make dvds of funerals when families order them. I received an order from a woman, made and shipped it-then got delivery conformation for its delivery, and the person still submitted a charge back. Her credit card issuer, citibank decided in her favor, even though we submitted the USPS verification that her order was made, shipped and delivered to her address. Here is Citibank address Citibank - XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  address XXXX XXXX XXXX, XXXX, CA, XXXX,
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute. Federal Trade Commissions identity affidavit. Please delete the items as soon as possible. 


Based on, 15 U.S. Code 1681c-2 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 allegod identity theft, not later than 4 business days after the date of receipt. 
It has boen 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL. 
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

On credit report us dept of education Has 2 accounts open for XXXX XXXX and XXXX XXXX Stating account was opened in XXXX Which i didnt open a loan from the said creditor.
Product: Mortgage

we had a short sale in progress with a great contract offer well qualified buyers. The first mortgage was listed in 2nd place and the heloc was in 1st place it took the 2nd mortgage all most a year to get change. Finally the first was in place and we should have closed sometime in XX/XX/XXXX. The first  mortgage Mr. Cooper was double tracking then once they were in first place they tried to foreclose. I had been receiving notices that this was being moved to XX/XX/XXXX. But with less then a days notice they were going to auction the home. I had to file chapter XXXX in order to have a home to live in. This should n't have happened. I had an attorney working to get this short sale to close. We did everything possible so that Mr Cooper mortgage company would have a full payoff. But they would n't respond to our attorney.. I was very upset. I did what I was suppose to do. We have been very honest with everyone associated in this deal. But for me to have to file in order to have a home to live in after I have a great buyer who has been very patient and waiting for these mortgage companies to do the right thing. This is just plain wrong. Mortgage companies should not be allowed to double track when working with the public like this. We did n't want a foreclosure on our credit. A short sale is bas enough. Our attorney has also filed with you too.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX # XXXX Account name, 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 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 more than 7 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, credit repair services, or other personal consumer reports

I have inquiries on my credit report I did not make from ( XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX also have a CLOSED account with XXXX XXXX on my credit report i did not do. The limit is {$500.00} I have filed and attached my ftc report. PLEASE REMOVE THESE INQUIRIES and CLOSED account information now.
Product: Credit card or prepaid card

I am currently in XXXX XXXX for several months. I have used my Citi world elite Master Card here many times. I tried to use it today, XX/XX/XXXX to purchase airline tickets. Citi improperly denied my charges and then locked my card. 

I called them and gave all required password and security information. They told me that they have changed their verification polices and the ONLY way to reactivate the card is for me to respond to a letter sent to my US address. I explained that I would not be at that address for several months and would thus be unable to read and respond to any written communications. Citi acknowledged the problem but refused unlock the card. I asked them to find another verification procedure. They refused to show any flexibility. I have been a customer of Citi since XXXX. Citi is behaving very badly. They have left me in a very difficult position and behaved very poorly. They should be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX # XXXX -- XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX # XXXX -- XXXX XXXX # XXXX -- XXXX XXXX # 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
Product: Student loan

On the XX/XX/XXXX deadline, I requested that my first auto payment be processed and applied to XX/XX/2023 rather than XX/XX/2023. I waited on the phone for several hours to process this request because an online request form was not available. After finally speaking to a representative, I received both verbal and email confirmation stating that my terms were officially updated and my first payment would be automatically processed and applied to XXXX. XXXX passed and a payment was never processed. XX/XX/XXXX was still listed as the first payment due date on the Nelnet website and my first payment did not automatically process until XX/XX/2023. 

On XX/XX/XXXX, I checked my bank to make sure that the XX/XX/XXXX payment processed successfully and I did not see anything pending, so I checked the Nelnet website and it said that the next payment was not going to be processed until XX/XX/2023. I checked pending charges and it said nothing was pending, not even for XXXX auto-payment ( I took photos ). I checked my balance and it said that the payment was overdue. I then went to the Dept of Education website where there was a notice that my payment was overdue. I then went back to Nelnet and processed a payment for the amount that should have processed in XXXX in the amount of {$1500.00} ( I took a video of this process in case Nelnet fails to process this ) to avoid Nelnet damaging my credit, but I am not concerned that Nelnet is going to try to process the XXXX payment at some point and overdraw my bank account. I never had this problem with Great Lakes in the XXXX years that I've been required to make student loan payments. I have always processed my payments on time and find this very stressful and potentially damaging to one 's finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX Bank XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX
Product: Checking or savings account

I recently wrote a dispute about the following information in my consumer report regarding the closure of my account which I believe was done falsely or inaccurately. My accounts were closed for XXXX  XXXX  XXXX due to multiple blank checks have been deposited into the account from an ATM. Please mind the fact that I have told them I have no idea or knowledge of me depositing multiple checks since I barely use the account as my institution and use another institution as my primary bank. I have, to the upmost sincerity, apologized for bringing forth this information XXXX years subsequent to the incident in which I was attending school in another state and was not able to have the situation handled in a timely manner. I have attached all documentation sent to me so it may be reviewed as relevant documentation to support my claim, including account statements and correspondence that demonstrate the account was in good standing and should not have been closed.
Product: Debt collection

I called to setup XXXXXXXX XXXX, was told I would have a trial period. I called several times for help with the remote. I even asked the person put in the service. I never did get anyone to explain. After a while I called and canceled the service. 
About a week later I get this letter saying that I owed {$600.00}. I called to find out how I owed them anything. They stated I was being charged {$20.00} for the next 2 1/2 years. I told them to put it back in, if I was paying for it she laughed and hung up on me. I dont feel I owe for something Im not getting. I was still in my trial period and I dont remember signing a contract. They are so friendly when putting this in but when you call for help. Well thats a bother to them. Please help me!! Sign, XXXX XXXX. P.s. the collection agent is ERC* out of XXXX XXXX Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb id # XXXX I have tried to correct this issue with XXXX. XXXX still incorrectly reports this account as open and late. We had a car loan with Wells Fargo Dealer Services. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by Wells Fargo to XXXX XXXX XXXX XXXX to the satisfaction of Wells Fargo. This debt still remains on our XXXX   credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, XXXX  rejected the dispute. Now two years later, we are trying to have this removed from our credit report and XXXX  website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. XXXX responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on XXXX. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.
Product: Credit card or prepaid card

XX/XX/XXXX I was alerted that {$3000.00} was taken off of my EDD card without my consent I've been trying to contact EDD for answers from then to present still no answer from them unable to get through to them on their line I've been dealing with Bank of America about the situation in which they put two claims in one for {$2000.00} and another one for {$1000.00} the {$2000.00} was paid off to me through Bank of America completing one claim and which they say they sent out to me the second claim for {$1000.00} but I've never received it in between I was also issued out another EDD prepaid debit card through Bank of America and {$2000.00} again was just stolen from it the account and which I have to do another claim to get my money back I'm not understanding how the money is still being taken off my account with new card and a new PIN code all I can do is call Bank of America and have them tell me to sit back and wait for the investigation the end which could take up to 90 days I'm really in need of help this is the second time I've been victimized and almost 7 weeks I filed for police reports for the first incident when it happened in XXXX and still haven't heard anything back from the police which were four cities it was filed for I don't know what to do at this point somebody is hacking my information and I don't know where it's coming from but I still obtain my debit cards and they are able to go to Bank of America ATMs and still pull out money of {$1000.00} transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed by the Equifax data breach and items are still being reported on my reports
Product: Credit reporting or other personal consumer reports

I just recently spoke with two representative of Experian on information that's on my report that violates the FCRA they bluntly told me that they were approved by the FCRA and i couldnt delete my old addresses thats i explained is in risk of identity theft of my privacy, The CRA 'S must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and they didnt grant me the ability to do so. They are also using deceptive business practices by keep asking for further identification proof when i already provided such things and threatening me manipulating me that I aslo need to get a police report with my FTC report... they are trying to overturn the congress rulings with there policies which is not fair and equitable. 

Please see the attached files
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

This is a case where the debt collector broke the law and sent private information of a debt to my work instead of my home. Employee of company open the mail and scanned it to my work files. Now many people in my office are aware of this situation that is now looking to cost me my job.
Product: Student loan

I have been receiving correspondence from Sallie Mae that I am a co-borrower on a student loan ( Loan Number : XXXX ) which I did not authorize, encourage, or sign. I was unaware of any such loan until one day checking my credit score and wonder why Sallie Mae would be on my credit report indicating that I have an open loan with them. I contacted them to find out why and they stated that my son or someone had taken out a loan and added me as a co-signer. I explained to them that I had not authorize my son or anyone for that matter, to do that and that I should be removed from the loan because I did not sign for a loan and that they didn't have my signature on a loan. Not only, do I have a daughter who is also in college a year ahead of my son, she didn't apply for any loans and nor should he had. I am also on a fix income because I am XXXX and collecting social security XXXX benefits, so why would I advise or allow someone to use my name as a co-borrower? They wanted me to file a police report against my son, which even though I did not authorize him or anyone to list me as a co-borrower, I have a hard time doing because he is my son. All I asked was to be removed as co-borrower because I did not sign or request a loan and his or someone else 's mistake should not warrant him having a police record or inquiry. I ask for assistance in clearing up this err/mistake and get my name removed as co-borrower from such loan