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

The fraud on this account was committed by XXXX XXXX XXXX who I don't know. It is illegal to put a XXXX loan on any credit bureaus, which has negatively impacted my credit report. I have a right to sue under these rights. You see I am a XXXX combat XXXX time XXXX veteran, and I had problems with my identity being used from 2006 to present even with the credit freezes via the dark web. 

It is illegal as well as improper for XXXX to put inaccurate information on my account, which I stated should be deleted from all related credit bureaus, which there is four, but the average american only knows the basic ones. It is predatory lending practices who likes to take advantage of people like me, and who would give XXXX loans to anyone who could use any of my information online.
Product: Credit reporting or other personal consumer reports

Collections can not be reported as late or open on my credit report. This is a major FCRA violation. According to code 15 USC 1692g please have all collections removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit did not apply for Amex
Product: Student loan

Currently have 2 private student loans, and I do not like the manner in which Navient tracks the payments. A couple of weeks ago, they began changing the payment amounts and which loans my payments were being applied to even though we have instructed them how to post the payment. We believe that issue is fixed, again, however today at XXXX XXXX. I went to validate my payment was posted ( as I validate all payments ) and was posted properly, when I noticed that payments were applied, yet the total overall loan balance did not reflect the payment. We have consistently struggled with Navient 's payment processing, but this is frustrating to make large payments every week, and see issues with the posting of these payments. 

On XX/XX/XXXXXXXX   there is a snapshot of the weekly loan payments of {$700.00}, as well as loan balance is {$31000.00}. Payment posted on XX/XX/XXXX. 
Today XX/XX/XXXXXXXX  there is a snapshot of the loan and loan payments, and you can see that payments were applied, but the loan balance never changed to reflect the payment until after XXXX XXXX. Payment posted on XX/XX/XXXX. Balance at XXXX XXXX. was {$30000.00}. Balance at XXXX XXXX was {$30000.00}. 

I knew the balance was incorrect since XXXX  {$700.00} payments were made since XX/XX/XXXX and because I follow these loans closer than I do anything else. Why are individual payments being posted, yet the overall loan balance does not reflect the payment? How many times a week are we expected to monitor and babysit these loan payments and how they are applied? Is this being done on purpose to keep payments coming in? Was going to call in to Navient to discuss, but didn't because its always the same old scripted response. Its so frustrating.
Product: Debt collection

I have made several attempts to clear this up. XXXX XXXX performed unauthorized services and charged my credit card. There is no written work authorization and across the one they left it is clearly marked " Homeowner declined to sign. '' After filing a dispute with XXXX XXXX and providing proof via written explanation from an independent plumber that service performed charged were fraudulent. I have emails in my possession between XXXX XXXX and myself where the manager agrees that I was overcharged and services provided were unnecessary. she said she would correct them but that was never done. They have charged me for the county inspection which was never done and they were refunded by the county for that as well. I have successfully had the collections removed from XXXX and XXXX but can not seen to get XXXX to do anything.
Product: Debt collection

I moved out of XXXX XXXX XXXX as agreed per the rental agreement XXXX XX/XX/XXXX, no new rental agreement was signed. I. Q. Data International is charging {$5700.00} for one month rent XX/XX/XXXX - XX/XX/XXXX. I have made several attempts to contact them requesting proof I signed a new lease with no success of receiving this information. At this time IQ Data is a debt collector who refuse to remove this nasty, negative, erroneous item off of my credit report. I am now being charged astronomical, outrageous, and enormous excessive fees which I never occurred as they refuse to return my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXXXXXX Balance : {$880.00}.
Product: Credit reporting or other personal consumer reports

Yes I have had fraud and identity theft committed in my name and I have accounts and bankruptcies open in my name I want them removed please due to I dod not file anything in my name and I have filed a report with the federal trade commission I will send that report and proof I was in jail thanks
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Checking or savings account

Robinhood closed and zeroed my account on XX/XX/year>, i received an email from them telling me they will mail me a check. After filing and submitting the check request form they sent me, its been a week I submitted the form. I still havent received anything in the mail nor have the reached out to me to let me know if it has been sent like they said they would
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to em I have tried reaching out to the bureaus as well as the funrisher and nothing is being done for this account. This is identity theft and I want this account off my credit report asap!!! 

XXXX XXXX XXXX - Account # XXXX XXXX {$15000.00} OPened XX/XX/2017 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

not mine accounts, never had these account remove it from report.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 2. This inquiry was not authorized XXXX  XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 3. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 4. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 5. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 6. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 7. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX Please remove it from my credit report 8. This inquiry was not authorized XXXX XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report 9, This inquiry was not authorized XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report 10. This inquiry was not authorized XXXX XXXX  Inquired on XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the XXXX data brech and may have gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX Balance : {$3800.00} DATE OPEN : XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance : {$390.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$15000.00} DATE OPEN : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX Balance : {$0.00} DATE OPEN : XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$7300.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

CHAPTER  XXXX  WAS FILED  XXXX / XXXX / XXXX  AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON  XXXX / XXXX / XXXX . APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM  LTD FINANCIAL S ERVICES  XXXX ,  XXXX   XXXX  DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM  XXXX  CREDIT CARD. I MAILED LTD AND  XXXX  COPIES OF THE FILED CLAIM FOR  XXXX  AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER  XXXX  CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH  XXXX  AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE (  XXXX   XXXX   )  SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER  XXXX , IN FACT IT LISTS  XXXX  AS A  XXXX  BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED  BY LTD AND THE UNDUE   XXXX   XXXX   XXXX   THEY ARE CAUSING ME IS UNNECESSARY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX XXXX data breach and was also leaked in the XXXX XXXX data breach.
Product: Credit card or prepaid card

Citibank Closed two of my credit cards without giving me any reasons, this is totally nonsense and baseless to close a loyal customer credit who is your customer from last 5 years, doesn't make any sense..

I just received this letter on XXXX XXXX, 2018 that my two of my Citibank Credit Cards ending in 'XXXX ' and 'XXXX ' are closed because I misrepresented one or more billing disputes, doesn't make any sense to me.

First of all, I did not misrepresent any of the billing disputes, if I did, why did they approve it?

This is completely Non sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian is committing FRAUD and they've failed to remove the inaccurate accounts on my consumer profile which is causing me harm, stress, and damaging my consumer profile. 

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 XXXX XXXX : # XXXX - XXXX XXXXXXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXXXXXX : # XXXX XXXX have 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. 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The information listed above appears on my consumer report but I did not make or approve of these transactions. 

XXXX, Experian, and XXXX are also committing FRAUD because according to 15 USC 1681a- ( 2 ) ( i ) - ( Exclusions ) Transactions are to be EXCLUDED from my consumer report.

Please also remove the accounts listed above from my consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act REQUIRES you to remove the INACCURATE and FRAUDULENT information on my consumer report, resulting from Identity Theft within four business days and to promptly notify the businesses that sent you that information. 

Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

As stated above, please delete all inaccurate accounts immediately. 

I have enclosed a copy of the accounts listed above, highlighted with the inaccurate information from XXXX XXXX that's being reported on my consumer report, and an identity theft report.
Product: Checking or savings account

This is a claim following up upon my previous claim ( XXXX ) about Bank of America manipulating CD interest rate that Bank of America haven't responded yet. 

Around XX/XX/XXXX, a representative from BOA named XXXX contacted me, acknowledging their error in misrepresenting the CD interest rate : despite being informed during the purchase that the rate was 4.65 %, I was credited interest at a rate of 4.51 %. XXXX assured me that the shortfall in interest would be rectified promptly. However, to date, I have neither received the owed amount, which exceeds {$1000.00}, nor received any updates despite repeated attempts to contact XXXX. Today, when I finally spoke with him, he refused to reimburse the interest. It is evident that BOA engaged in deceptive practices by manipulating the CD interest rate. They enticed clients with the promise of a high interest rate upon purchase only to deliver a lower rate upon maturity. This bait-and-switch tactic is misleading and unethical. 

Additionally, I discovered that BOA had reopened my CD account without my consent. This unilateral action is both frustrating and unacceptable. It violates my right to control my account. As a result, I have filed a second complaint outlining three claims : 1. BOA 's unauthorized reopening of my CD account. 
2. BOA 's deceptive manipulation of CD interest rates.

3. BOA 's failure to honor their promise to return the reduced interest amount. 

I respectfully request the CFPB to initiate an investigation into these claims without granting BOA any further extensions for response. It is imperative that BOA be held accountable for their actions and that appropriate measures be taken to rectify the situation. 

Thank you, XXXX XXXX
Product: Debt collection

I am a XXXX  XXXX that was tasked with performing a sale closing on property in XXXX, Maine. XXXX XXXX XXXX XXXX ( XXXX ) had sued the seller for its client creditor and recorded a judgment lien at the county registry of deeds. I picked up the lien in the title search then contacted XXXX to get a payoff, which they provided. The closing was on XX/XX/ 2021 and I collected the lien payoff amount from the seller 's proceeds and paid XXXX the amount on the payoff statement. The check cleared on XXXX XXXX, 2021. In my cover letter to XXXX, I requested that they issue a release of the lien in recordable form so I could record it at the county registry of deeds and clear the title to the property. They have ignored my repeated requests to issue a release. 
This is a serious matter because if the new owner who purchased the property wants to refinance or sell, they won't be able to because XXXX ignores its duty to issue a recordable release.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currentlydemonstrated in the above-mentioned report andbeing seemingly deficientofcertainty of facts, with concerns to the adequately certifiablereportingprocess ( es ) and or format ( s ), it can NOT be assumed your claims are withintheminimal criteria forlawful and or ethical reporting, even should collection rightsbeunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( s ) divulged versus me are contested as not being of a sureconfirmation offactsand truth much less being certifiable in its essential compliantreportingprocess ( es ) and orthe mandatory Metro 2 format reporting. Being divergentof theexpected reporting caliber, the below contested reputed claims probity each isin astate of peril due to multipleaspects of ailment as indicated beneath, effacefromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. Inaccordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and theunderstood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDSsuch as theMETRO 2 Five Points of Compliance andother potentially applicablestandards andor regulatory engrossments of reporting I amrendering this officiallywrit consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any andall insufficientreporting and ineptitude to sufficientlydocument factual reportingverifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant ProcedureofREPORTING and mandatorilyperfect complete certifiable METRO 2 FORMATcompliance ofreporting standard ( s ). Ido not recognize the information listed belowas having ever beendemonstrated tobe factual in solidity much less certifiedcompliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the METRO 2 COMPLIANCESTANDARD of reporting standard ( s ) .PLEASEDELETE THE FOLLOWING ACCOUNTBELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I received my consumer report and was shocked to see that information on my Report was incorrect I didnt give anyone permission to run my credit so I contacted my bank to freeze all my accounts until further notice