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

I have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete DEPT OF ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was looking at my emails and seen a promotion to see if I pre- qualify for a Discover Credit Card. It said checking to see if you qualify will have no impact on your credit, so I filled out the information and got an alert from XXXX saying there has been a hard inquiry on my credit report. I contacted Discover and got know where. I do have a screenshot of the promotion that Discover claims is not true. I hope you can help me get this off my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have sent the creditor multiple certified letters asking for proper validation of this 6 year old debt. All they send me is a partial statement and a letter stating that the debt is valid. They are not showing me anything that is bearing my signature
Product: Debt collection

On a recent credit report this company Williams & Fudge reported a Collection on my XXXX report dating a debt of {$7500.00}. I do not know of this debt & it is not mine. I have not received any information, not a dunning letter or anything from this company regarding this so called debt. They are not suppose to place a collection account on my credit report without sending me a letter stating what this is anyway. I do not owe this debt & want this deleted from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX  XXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I contracted to have a phone system installed at my business. I thought that I was contracting directly with the installer, I did not realize at the time, that the equipment was leased and that the contract which I signed included a separate 5 year lease for the cost of the equipment until I began receiving bills from Great America Financial Services.

Great America has made it very difficult to process my monthly payments. They will not allow me to put the payments on a credit card, they email my statement and I have to send payment by mail, which they don't process before a late fee is incurred. The payment amounts vary monthly, so I can not set up a recurring payment. Although I am one entity, they structured the account as 2 separate accounts so if a payment is late, I incur 2 late fees of {$28.00} per account. They have suggested that they can take automatic payments from my bank account but I feel that this company is unethical and do not want to grant authorization for them to access my bank account. My last payment, which was mailed on XX/XX/2022 did not clear until XX/XX/2022, which indicates that they are not processing the payments in a timely manner.
Product: Credit reporting or other personal consumer reports

I was extremely saddened witnessing how my credit report has worsened over the month. All I ask of your company is to review my case and remove these inaccurate and erroneous accounts reflecting on my report and I am only met with the most generic response about my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX, 2021 {$190.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contract exist ... account was settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not deleted the collection from XXXX XXXX XXXX in the amount of {$5000.00} despite the fact that we how sent them documents that this is well outside of the reporting deadlines and has been illegally re-aged. The other credit bureaus has removed the incorrect information by Equifax has still not removed this account to accurately report the account.
Product: Debt collection

I recently looked at a copy of my credit report and seen that I had a collection from Medical Data systems. I wrote Medical Revenue service concerning account XXXX for the amount of XXXX. As explained in the letter I have no knowledge of this account and ask Medical data systems to validate the debt on XXXX XXXX, 2016. I waited patiently 30 days for a reply. Again, on XXXX XXXX, 2016. I sent second letter asking Medical data systems to validate the debt ; still to this day no response from Medical data systems so by law this should be deleted. Ignoring request is not validating the debt. As stated in my second letter I will be contacting the Attorney General 's office to bring this problem to the surface and I also will make a claim in court for defamation of character. This is a fraudulent account and beside when did Medical Data systems extend me any credit. I never signed or verbally agreed to any contract with Medical data systems. I want this frivolous account deleted from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX  XXXX Balance-
Product: Credit reporting or other personal consumer reports

There is a excessive amount of credit inquiries that I did not authorize and I notified the credit bureaus and file the dispute which they say came back as mines but how theres over XXXX credit increase when I know I did not do myself. I was under a XXXX XXXX XXXX so I wouldnt apply for anything and all the cure credit bureaus do not want to help me. This is my last resort to get help is to file a complaint.
Product: Credit card or prepaid card

A few weeks back, I got a Netspend card in the mail, stating I was prequalified for the card. I did not need one, nor did I want one, so I shredded it. Then I forgot about it. The following week to week and a half, I got an email from Netspend with a subject line about activating a card. I deleted that email.

Fast forward to today. I have received yet another email about activating the card. I then remembered the card from a few weeks ago. I then opened the email. In the email, there was an HTML graphic stating I had requested the card, and they are  willing to help me to activate the card, with a link to help information. Below that graphic, there is a series of text. In that text, there is a mention that the email is an advertisement.
Product: Student loan

Hello, my name is XXXX XXXX just this month XX/XX/XXXX, I noticed my credit went down XXXX points when I went to check to see it was due Mohela student loans saying I was XXXX  days delinquent. I applied for financial aid when I started my college experience at XXXX XXXX in XXXX. I was never notified by MOHELA via paper or email that the loan was due, I only noticed when my credit went down that they had reported me delinquent XXXX months as of XX/XX/XXXX. As soon as I found this out, I started to call MOHELAs number which was near impossible to reach a person. I waited several days XXXX to XXXX hours to no avail then today XX/XX/XXXX, I finally received a call back I explained to Mohela that I was never notified when payment was to start via mail email certified mail or any kind of correspondence and to remove the the delinquent comments off my credit report and let me pay the past due which they replied, they may have sent emails, which they did not. I had asked for them to provide proof of such emails which their response was to call XXXX XXXX. I am a young XXXX XXXX XXXX man who has maintained wonderful credit up until a few weeks ago when i noticed they reported my credit went from XXXX down to XXXX. This is basically set me up for failure I beg of you to please help me. I am not disputing what I owe only that I was NEVER notified when I was to start paying back this loan started. Mohela was very hard to contact, also really had no answers for me except for me to call XXXX XXXX to which I did call XXXX XXXX telling them my interaction with Mohela, and XXXX XXXX advised that I file a complaint with Consumer Finance. Mohela very unprofessional and very unfair when I tried to explain the situation. They were rude and they were inconsistent. I take pride in paying my bills on time and maintaining a great credit score at such a young age of XXXX. I would hate to have all that work have gone to waste because of Mohelas mistake.
Product: Money transfer, virtual currency, or money service

I was in contact with a landlord for an apartment in XXXX because I was moving to the area. After signing a lease, they requested that I pay a security deposit of {$1000.00}. I paid this amount through XXXX to the " landlord '' on XX/XX/2022. The landlord insisted I pay an additional {$1200.00} for the first month 's rent. I refused to pay until the landlord provided further identification. They ghosted me and stopped responding to my messages. I later realized that the property listed was already occupied by a tenant and owned by another individual. I called my bank and filed a claim with them on XX/XX/XXXX. After following up on XX/XX/XXXX, they said there was no action they could take to return the funds to my account. They suggested I call XXXX. I called XXXX on XX/XX/XXXX. They too stated that they could not take action because their policy does not offer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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: Checking or savings account

Opened a new checking account with Truist Bank online, XX/XX/2022. Deposited the minimum amount to open the account {$50.00}. The next day, the bank froze my account and has refused to return my {$50.00}. I have made two attempts to retrieve the money by personally speaking with bank 's representative at the branch in XXXX, Florida, XXXX XXXX XXXX, # XXXX. 
Called the bank 's main number # XXXX, several times but to no avail. All they tell me is that the account is under review. 
At this stage, I just want the {$50.00} returned.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this identity theft and taken immediate action. It is crucial to address this promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/23 for the tradeline XXXX XXXX XXXX XXXX. I received a letter after I filed this dispute from the company after reaching out to them and the letter states they will remove this tradeline within 45 days. I don't have 45 days to wait because I'm looking to buy a house. I have attached the letter from them and highlighted the paragraph toward the end of the letter that states this tradeline will be removed. Can you please removed the tradeline per this letter as soon as possible please? Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I was shopping at JCPenny and asked if I wanted 35 % off for joining the rewards program at checkout. As a college student I said yes, part way through I realized it was for a credit card, not a rewards program, I figured out once it was requesting approval for a credit card inquiry. I immediately stopped filling out the information and requested the cashier cancel that immediately she said she would push some buttons on her screen then reached over and ended up hitting accept on the customer pad I was using to fill in the information. One week later I received a letter requesting income information and that an inquiry had been made for my request of a JCPenny credit card which I never authorized or wanted. I have called 3 times, the first time the support agent said they would request it be removed from the credit bureaus, the second time the same thing happened, the third time they first said they couldn't find my credit pull, and application after 10 minutes they found it then said they would put in a request to remove it 1 week later I received a letter claiming the authorization and request for the credit card was valid. I believe the last one obviously on their system it would look valid. Still, all of the agents failed to understand I was not the one to hit authorize, that the cashier had tricked me by saying rewards instead of credit card then reached over and pressed authorize on my behalf while I was requesting she cancel it.
Product: Credit reporting or other personal consumer reports

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

In my last communication with the company they referred to me a case XXXX United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021. I donot belive this case is applicable and can be basis to my situation for several reasons. One primary reason is the Deed of Trust ( DOT ). What servicer does with respect to its Default/Acceleration should follow whats documented in the DOT. I wanted to confirm that what servicer did in XXXX case was what is really documented in his DOT. In my case what servicer did is what is documented in my XXXXXXXX DOT. 

The conclusion is that XXXX XXXX is different than mIne XXXX XXXX. Without knowing what is contained in XXXX Deed of Trust I can only presume that his DOT refers to primary mortgage which is quite detailed and not XXXX like mine. I would like to get a Copy of the DOT and NOTE of XXXX case before going further. The DOT and NOTE are public documents and are referred in the case so the company should not have issue in sending me the DOT and NOTE.
Product: Checking or savings account

On Sunday XX/XX/2023, I logged into my on line account with Alliant Credit Union, Member care center : XXXX Corporate offices : ( Not open to the public. No branches or ATMs. ) XXXX XXXX XXXX XXXX, XXXX, IL XXXX When I log in, an access code is sent to my phone. I did not receive the text, and per the message online, I tried numerous times. I was then locked out of my account and called customer service ( in the XXXX  of XXXX ), only to be told that the XXXX XXXX department would not be in till XXXX am on XXXX.I called Monday morning, was told there was nothing they could do, and it would take XXXX for the XXXX department to respond. Fast forward XXXX hours + to today, was just told again that I am unable to access my account, and they could not give me access and another " ticket has been sent to IT and hopefully by Friday they will have an answer. I have over {$120000.00} in XXXX 's with Alliant and this is an outrage that I have no access to my account, and it's been 4 days without an answer/correction to allow me to do so..
Product: Checking or savings account

Bank of America sent me an alert to verify my mortgage payment in which they thought was fraudelent on XX/XX/XXXX & XX/XX/XXXX. They asked me to respond by XXXX. I verified the payment was valid by phone at XXXX on XX/XX/XXXX. Additionally, I also saw that sent me another text asking me to verify the payment by XXXX. I also verfied the payment with BOA by text before XXXX. BOA returned my mortgage check before XXXX on XX/XX/XXXX. I incurred lated fees - {$150.00} from XXXX and returned check fee {$30.00} in spite of BOA telling me on XX/XX/XXXX by phone that they would process the mortgage payment.
Product: Checking or savings account

In XXXX I contacted MoneyLion to ask why purchase at XXXX had been declined. 
Agent XXXX replied : -I have investigated your complaint and regret to inform you that your XXXX demand deposit account was closed on XX/XX/year>, pursuant to the Demand Deposit Account Agreement governing your account. 
- I have attached a copy of the agreement for your review. Any funds in your account will not be returned. 
- Unfortunately, because of security reasons and under applicable laws, we can not give you additional details around the reasons behind all aspects of the closure. 

According to an email from MoneyLion customer service on XX/XX/XXXX, my balance was approximately {$470.00}. They made no mention of a closed account.