23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving this debt collection attempt for a while and I wrote them multiple times to dispute this account and asked for validation and they failed to provide me with proper signed validation. I wrote them again but didn't receive anything. Now XXXX different companies are sending me debt collection letters about the same account which I disputed multiple times but they keep on sending me threatening letters.
Product: Student loan

I removed the option to be contacted/called by Navient but I still keep getting these on delayed payments. In addition to that, when I signed the loan agreement I was promised the cosigner on the loan was going to be removed after a certain period. It's been over 10yrs and this hasn't happened. Navient has been hard to deal with over the years since they don't even communicate the options available for the loan repayments and make it hard for me as a borrower to understand my loan, payments and such
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

Experian dispute numbers Dispute report # XXXX Dispute report # XXXX Dispute report # XXXX Dispute report # XXXX
Product: Money transfer, virtual currency, or money service

There was a promotion to get {$20.00} in XXXX for making a single crypto trade of at least {$20.00} from XX/XX/XXXX - XX/XX/XXXX and that I would be available to claim the reward from XX/XX/XXXX till XX/XX/XXXX. I followed the terms advertised and traded {$44.00} worth of XXXX and the first agent I talked to said I should wait till XX/XX/XXXX to claim, at which it should be available. Seeing no option today, I reached out again and another agent said I wasn't eligible with no reason given. This is misleading advertising.
Product: Vehicle loan or lease

Honda finance corporation sold my loan after XXXX XXXX paid the vehicle off and harassed me to pay the {$900.00} balance due after they fraudulently added on EVERYTHING they could which ultimately left me with a {$28000.00} Honda XXXX! They also FRAUDULENTLY told me that I had to pay a {$5000.00} down payment to drive off the lot! The FINANCE CHARGE IS THE SUM OF ALL CHARGES! They also never disclosed to me my right to rescind! Honda finance corp has repeatedly violated my consumer rights, FCRA " This law is as clear as dayl as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Further, 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

The Chase Sapphire Preferred credit card is advertised to include an annual {$50.00} statement credit when booking a hotel within the Chase Travel portal. 

I booked a hotel stay within their portal on XX/XX/XXXX and have yet to receive the {$50.00} statement credit. I contacted Chase at XXXX on XX/XX/XXXX and XX/XX/XXXX and via secure messages on XX/XX/XXXX to inquire about this. On XX/XX/XXXX, I was advised that they had no idea why there was no credit ( and stated they typically post within 48 hours of booking the stay ) and that a research ticket would be opened and I'd receive information via USPS in 5-10 days. No information was received. 

When I contacted on XX/XX/XXXX, I was transferred multiple times and eventually an escalation ticket was created with information to be provided within 48 hours. As of XX/XX/XXXX I still have no information and no statement credit.
Product: Credit reporting or other personal consumer reports

there are several names and address wrong affecting my credit history i sent it to the credit bureu Experian my social, drivers license and also a bill confirming my info but they did not delete the incorrect items in my report
Product: Debt collection

It appeared on my credit report that I had accidentally missed a payment. I paid it immediately and should be fixed. Hoping to remove this from my credit please. 


Thankyou
Product: Mortgage

I received almost thirty pages in the mail from BSI Financial Services indicating that I should start paying my mortgage through them. However, when I checked with the mortgage company they confirmed that they had not engaged BSI. The letter is not structured as an offer of services, but " We are now responsible for collecting your loan payments on behalf of your current creditor .... '' which is an entirely fraudulent statement, as neither I or my mortgage holder has engaged the services of BSI.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2021, my account at Western Union was breached and XXXX unauthorized transactions were made to XXXX from my bank account, via Western Union without my permission or knowledge. 

On checking my bank account, I realized the transactions were fraudulent and not authorized by me, so I contacted both my bank, XXXX XXXX and Western Union to inform them of the situation. Both of these agencies acknowledged there was fraud committed with respect to my account at Western Union and returned money for XXXX transactions, however, with respect to XXXX transactions of approximately XXXX each, they have not paid me, hence I lost XXXX due to the negligence of both of these companies. When I called both of them, they keep pushing me around and XXXX XXXX said it has to be resolved by Western Union and Western Union says it is XXXX XXXX who is responsible to reimburse the XXXX. 

Sir/Madam, I did not do anything wrong to be bullied out of XXXX by XXXX unscrupulous companies, who I entrusted with my bank and personal information, but allowed hackers/ fraudsters to access my information to steal my money. It appears that the XXXX was paid by XXXX XXXX for XXXX fraudulent money transfers which was actually paid to XXXX people in XXXX, and they dont want to accept liability for their inadequate security measures and has made me pay for their negligence and incompetence. 

Some transaction were done in my name from XXXX, where a bank account was created to receive money from my Western Union account in the XXXX. My account at Western Union was used without my permission to do those transactions. I could have been a victim of identity theft, and neither Western Union or XXXX XXXX contacted me of suspicious activity on my accounts with them. How can XXXX transactions with some identical amounts to and from XXXX by someone who lives in the XXXX and never sent money to XXXX did not warrant security verification. 

In closing, I would like your agency to investigate this issue expeditiously so I can get back my XXXX dollars which was taken from my XXXX XXXX bank account to pay Western Union for fraudulent and unauthorized transactions..
Product: Checking or savings account

I made a check from my account in XXXX XXXX and deposited in my truist account and the blocked the account but the money was already withdraw from the original account while the receiving account is still block even the previous balance before the deposit. The bank does not have a estimated time for the diligence
Product: Debt collection

Chase bank has Invading my privacy. With numeral of phone call from collect agency different companies calling me from XXXX o'clock in the morning to XXXX o'clock afternoon. Since XXXX In has not stop yet evening with the crisis of XXXX Executor order [ CRA ] Was put in place on XX/XX/XXXX XXXX. They trying to collect and they doing everything to invade my telephone line my telephone line so phone is a private property. I use my cell phone to conduct business I can not conduct any business with being instruct every time. 
The violation they had cast in mentally, strees with all this situation is going on now they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These 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 XXXXXXXX XXXX XXXX XXXX XXXX have violated my rights 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Debt collection

Chase charged off my debt and XXXX XXXX XXXX took over the account. I contacted XXXX XXXX XXXX. Resolved my debt back in XX/XX/2019. Chase has not reported to the Credit bureaus that this debt has been resolved.
Product: Payday loan, title loan, or personal loan

The unverified Net Credit # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information as has never requested $ XXXX of loan. Net Credit has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the account claiming that was verified but provide no evidence of the verification and ignoring all the facts that the account should be reported closed. This account should not be reported in my credit.
Product: Credit reporting or other personal consumer reports

Hi, Department of Education/ XXXX is reporting inaccurate information on my credit report. There are XXXX loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and Dept of Education keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX  and XXXX  a new home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. My information was exposed in the XXXX XXXX XXXX. I believe this is how the thief or thieves got my information. I have submitted all of the necessary documentation to law enforcement. I then sent the documents to the credit bureaus. I have sent the information to Experian at least 8 times and they are non responsive and continue to report accounts that were opened fraudulently. This is causing me severe harm. I have also reported them to the Attorney Generals office and they have failed to respond to that complaint. Please assist me in getting justice and being made whole.
Product: Credit reporting or other personal consumer reports

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.In accordance with the Fair Credit Reporting act. 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 an 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 following accounts : - US BKPT CT MD XXXX Ref # XXXX And, according to the United States Department Of Justice , federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information, provided in a consumer report ; however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).

According to local, state, and federal law, only data and information, from XXXX XXXX XXXX, may be lawfully and legally reported to Credit Reporting Agencies ( CRA ) ; as, there is -- -- -- -- - NO LEGAL DATA FURNISHER REPORTING THIS IDENTITY THEFT BANKRUPTCY.

And, according to local, state, and federal law, only APPROVED AND CERTIFIED DATA FURNISHERS MAY SUBMIT DATA TO CREDIT REPORTING AGENCIES ( CRA ) ; AND, HAVE ACCOUNT INFORMATION REPORT PER CONSUMER CREDIT FILES ; AS, BANKRUPTCY COURTS, XXXX XXXX, AND OR XXXX, ARE NOT LEGAL DATA FURNISHERS. AND, Recorder of Deeds ; the Clerk of Courts ; or the Magistrate ARE NOT LEGAL NOR VALID DATA FURNISHERS.

And, LAWFUL AND LEGAL DATA FURNISHERS WHO REPORT TO CREDIT REPORTING AGENCIES ( CRA ) MUST SUSTAIN THE FOLLOWING REQUIREMENTS TO REMAIN IN COMPLIANCE TO LAW : - Data Furnisher Name - Have A Subsciber Code - Complete E-Oscar Certification - Complete Methods And Steps For Disputes To Credit Reportimg Agencies ( CPA ) Lastly, The Fair Credit Reporting Act ( FCRA ) defines a furnisher as a company that furnishes information about consumers to credit bureaus ( formally known as consumer reporting agencies or CRAs ) like XXXX, XXXX, XXXX, and TransUnion. 

Data Sources ; such as, XXXX XXXX XXXX XXXX etc. ARE NOT LEGAL DATA FURNISHERS under the FCRA, particularly when providing access to data in response to a singular directed request from a consumer. This reasoning, is supported by a plain reading of the FTC 's furnisher rule, [ 2 ] case law dicta, a commonsense approach to the regulations governing credit reporting, as well as the CFPB and U.S. Treasury Department commentary related to innovation and consumer access to financial information.
Product: Mortgage

I have tried everything in my power to keep my home but i have been denied for all options except Short sale. After finally my agent found a buyer and submitted an offer for XXXX the lender rejected it and wanted a higher amount. On XX/XX/2018 a Counter offer to Select Portfolio Servicing was submitted and have requested the Short sell to be reviewed. 
When I originally submitted my short sell request the offer was not accepted and a counter offer was requested, I have provided all documentation requested from me to comply with the counter offer. I and my realtor have been in constant contact with Select Portfolio Servicing to check on the status of the short sell. After submitting all documents to Select Portfolio Servicing I was informed that the Short sell was declined due to upcoming foreclosure date of XX/XX/18. 
I have filed a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Select Portfolio Servicing not allowing for a proper review of Short sell. You ( Select Portfolio Servicing ) will not review any workout solution and you are now forcibly trying to foreclose my home without following the proper procedures. 
If you proceed with this foreclosure you will be violating Homeowners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Select Portfolio Servicing to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without providing a written explanation and a 30 day period to appeal the denial. 
Under the denial Letter dated XX/XX/18 I am still intitled to a 30 day to appeal or review. I have submitted documentation XX/XX/18 for review. If you continue with the foreclosure I will be committed to proceed with a lawsuit and fight this illegal foreclosure.
Product: Debt collection

My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After noticing the collection on my pristine credit report, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX