23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Equifax, XXXX, XXXX, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a XXXX XXXX for tracking the progress of my case, as I XXXX consider legal action if necessary. 

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I XXXX verify that these accounts are indeed mine. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent outsourcing was paid on a pay for deletion basis on a former XXXX   account. The representative of convergent outsourcing was recorded and was informed she was being recorded when she, as a representative of Convergent Outsourcing agreed to delete this negative information from my credit file. The account shows paid but Convergent Outsourcing shows a late payment of one month to impact my credit score in a malicious manner. I wish to pursue any and all avenues to ensure these blood suckers and others like them are held accountable. I am held to my word, why shouldnt they be?
Product: Checking or savings account

I was a victim of an online payday loan scam. I was specifically contacted by an impersonator that was stating that he worked for XXXX. He had offered to give me a loan for {$5000.00}. Put a small deposit into my account. Had told me to put a total of {$870.00} on a XXXX gift card. Then a couple days later took out the funds that he deposited. Causing my checking account to be overdrawn by {$870.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX  XXXX Subject : Request for Assistance Regarding Charged-Off Auto Loan and Missing XXXX Dear Sir or Madam, I am writing to request your assistance in addressing an issue related to a charged-off auto loan. The auto loan in question was charged off by XXXX XXXX on or around XXXX XXXX. However, I have not received a Form XXXX ( Cancellation of Debt ) as required under IRS guidelines XXXX a debt is canceled, forgiven, or XXXX. 

Under IRS regulations, creditors are generally required to file Form XXXX and provide a copy to the debtor when they cancel a debt of {$600.00} or more. Without this form, I am unable to confirm whether the debt has been formally canceled or XXXX, which XXXX have tax implications and could affect my credit report accuracy. 

I kindly request that you assist in investigating this matter to ensure compliance with federal regulations and to help resolve any discrepancies. Please let me know if you need additional information, such as account numbers, documentation, or further details about the loan. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX is unwilling to accept of investigate this claims online or thru mail.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Debt collection

Mortgage debt residual from a residential foreclosure in XXXX  has been transferred from XXXX XXXX XXXXXXXX to several debt collection agencies. This debt is in Federal Bankruptcy Court for the XXXX XXXX XXXX XXXX  in XXXX. The court documents reflect that the debt is currently owned by XXXX XXXX XXXX XXXX XXXXXXXX and has an assigned attorney with all the information. In spite of repeated contacts by fax and phone over a period of XXXX months, debt collector Shellpoint Mortgage Servicing continues to harass by sending monthly bills for the mortgage, bills for homeowners insurance on the property I have not lived in for XXXX  years, and calling to attempt debt collection. 

Examples of bills and statements are attached, however they have sent these in XXXX, XXXX ( attached ), XXXX ( attached ), XXXX, XXXX, and XXXX ( attached ).
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX XXXX XXXX OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX XXXX XXXX XXXX has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I disputed account XXXX XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX on my credit report with Experian and there not sending me the information I asked for or fully investigating the account because it keeps coming back accurate. 
I payed this account off in XXXX. 
This account say that it has late payments and also it was written off. Written off means that it was filed on a 1099 that I never received. 
I would like copies of the -1099 for the write off. 
-proof of identity. 
-proof of the account/payment history. 
-proof of when I payed the account off in XXXX. 
15 u.s code 1681a ( 2 ) ( Ai ) 15 u.s code 1666 ( a ) 15 u.s code 6802 15 u.s code 1681i ( a ) 15 u.s code 1681b2
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX KY XXXX has mailed me numerous invoices for services that I have not agreed to. The total is {$340.00} for a tank pick up fee that I did not agree to. I have contacted XXXX  over the phone to dispute this invoice and was told that they would send me a copy of the original signed contract that I never received. I haven't ordered gas from them in 4 years. I had called their office and requested to remove their tank 3 years ago. It occupied my property until they removed it last year. Since then XXXX has turned the invoice to the collections company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have requested 3 times proof of billing from XXXX. XXXX did send fraudulent invoices that were vague and not detailed itemized invoices. XXXX has not provided any services to me or my property in over 4 years.
Product: Debt collection

I am submitting a complaint against Portfolio Recovery which is a third party company who has purchased an inaccurate collection list from XXXX XXXX. They are reporting to XXXX, XXXX, and XXXX  that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b.  for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received an alert about a new inquiry on my credit report. The inquiry was reported the day before on XX/XX/2020. When I checked it was from a Lowes in XXXX, Florida ( SYNCB/LOWES PLCC ). I live in XXXX and have never had a Lowe 's credit card nor have I ever tried to get one. I called Lowes Customer Service and they were unable to locate the application or any information using my name and zip code. I tried calling XXXX but they are closed so i will try again in the morning. I also put a freeze on my credit just in case.
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX  XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX  XXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all XXXX bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap
Product: Student loan

My " School Misconduct '' application was Approved by Navient XX/XX/year> for attending the XXXX XXXX XXXX XXXX XXXX from XXXX. 
The School Misconduct application was brought forth XX/XX/year>, by United States Senators : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. These Senators found Sallie Mae/Navient and For-Profit schools conspiring with one another to offer risky and expensive loans to hundreds of thousands of borrowers, knowing these borrowers; such as myself would never be able to repay these loans back. These loans were designed to profit from students with low graduation rates, poor job-placement records, and otherwise misled students, all of which was known to XXXX XXXX Navient XXXX Under the Holder Rule and due to Navient and XXXX XXXX misconduct, Navient is liable for these predatory loans. 
Holder Rule : This rule is designed to protect consumers by ensuring that their rights are preserved even if their contract is transferred to someone else. It does not create new rights or claims for the consumer but ensures that any existing rights or defenses ( such as a claim for breach of contract or warranty issues ) can still be asserted against the new holder of the contract. 
Limitation on Recovery : The rule specifies a limit on how much a consumer can recover. Specifically, the consumer 's recovery for claims and defenses can not exceed the total amount they have paid under the contract. This means that if you have paid {$500.00} under the contract and have a valid claim or defense, you can not recover more than {$500.00} from the creditor or assignee. 
The Holder Rule applies to all consumer credit contracts, including those for the sale of goods and services, but it is particularly relevant in transactions involving installment credit and loans for consumer purchases. 
I have paid XXXX XXXX Navient {$47000.00} from XXXX XX/XX/year>. My APR ranged from 7 % to now 17 %. My Total loan balance before my discharge was {$85000.00}. I was held liable to pay this balance off from Predatory Institutions and its Predatory Lenders that worked together to profit from myself and I believe XXXX XXXX Navient XXXX obtained payments from myself and should be held liable to repay me. I am protected under the " Holder Rule '' enforced by the FTC, that I am to be made Whole, and reimbursed what I paid to XXXX XXXX Navient XXXX the amount of {$47000.00}. Everything I stated is true and my submitted documents substantiates my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$910.00} ; CXXXX XXXXXXXX ( Original Creditor : XXXX LXXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

Since XXXX of XXXX I have been paying {$19.00} a month for a " Moneylion Credit Builder Plus Loan '' membership. 

I was able to use the credit builder plus loan only twice. XXXX of XXXX and XXXX of XXXX. 

Since XXXX of XXXX, when applying for the credit builder plus loan I get a message that states the loan is not available in my state, Colorado. 

I reached out to money lion to get a refund for the months that I have been paying a membership fee for a program that is not available in my state ( 24 months total ) and they have refused to refund any of my membership fees. 

I feel I am being cheated and stolen from by Moneylion and charged a monthly membership fee for a services NOT RENDERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Bank of America cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Bank of America reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Bank of America, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Bank of America.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Bank of America.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Bank of American to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix 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 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: Mortgage

On XXXX XXXX, 2017 I applied for a home loan from Bank of America. I provided all of the documents requested, in a timely manner. I was assured that, based upon my credit score and income, I would qualify. On or about XXXX XXXX, 2017 I was informed that I had 2, less than 30 day late payments, on a previous house, over 7 years ago. The credit companies and the bank that held the mortgage said that they could not confirm the late payments, as too much time had passed and they did n't keep records that far back. Again, I was assured that the loan would approve. It was sent to an underwriter who questioned two of the late payments, even though they did n't appear on my first credit pull and could n't be verified. The underwriter then refused to approve the loan and sent it up to the next level underwriter, who reviewed the loan documents and was set to approve. He left on a family emergency this last Friday XX/XX/XXXX and upon his return, he reviewed my file and was set to approve it. His supervisor, for reasons that can not be explained, refused to let him sign off. It was n't declined and has n't been declined, as of now I still have no answer. Bank of America has practiced discriminatory & predatory lending practices throughout this entire process. I have a house in escrow and in 5 weeks have not been able to get an approval or refusal. They have left me in a position to now try and extend my escrow if the seller will approve, If not I will not be able to close on time and lose the house. They also asked me what I wanted to do as far continuing to escalate the loan for approval or just forfeit the loan and go somewhere else after 5 weeks of working with them. How can an institution like Bank Of American be allowed to string a customer along like this and find it acceptable to continue conducting business in this manner.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$2000.00} in cash ( 20 {$100.00} bills ) at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, Texas. The teller who processed my deposit, XXXX, carefully inspected the {$100.00} bills. He asked me for my identification, looked at it and carefully looked at me and continued to examine the {$100.00} bills. 

After he completed the deposit, I asked him why he asked me for my identificationsince I was making a cash deposit and informed him that I was in XXXX for 43 years and XXXX & XXXX of a federally insured credit union. 

He said it was for " money laundering ''. 

I asked him if he was aware of the Bank Secrecy Bank and more specifically the Specious Activity Report and its requirements. I told him that a SAR was required for transactions of {$10000.00} or more, but if a pattern of specious behavior exists, a SAR might be filed for amounts as little as {$2000.00}. 

This was my very first deposit with Wells Fargo. 

I asked to speak to the Branch Manager and was informed that they were not there. 

I called a friend who is a bank compliance auditor and he said that the Wells Fargo employee violated the Bank Secrecy Act for 2 reasons : 1. The {$2000.00} cash deposit was well within the {$10000.00} threshold for SAR reporting purposes, 2. Since this was my first deposit, a pattern of suspicious behavior would be difficult to establish. 

Wells Fargo needs to adhere to the Bank Secrecy Act and better train it's employees.
Product: Debt collection

XXXX XXXX was posted on my credit report in XXXX. I have disputed this from various debt collectors and they proceeded to post this debt on my report. I do not owe that debt anymore it has been XXXX years now and they just added it to my report saying that it is a new debt and reported false date as of XX/XX/XXXX. I never owed {$7000.00} to XXXX XXXX the initial debt was {$3000.00} or {$4000.00}, so they are reporting false information on my account.I do not owe this debt anymore because I disputed this plenty of times and it was removed off of my credit report after 30 days and there was no response.
Product: Vehicle loan or lease

I was with credit acceptance in 2020 I got into a bad car accident that caused me to break my neck from my settlement and insurance it was paid off but credit acceptance still made me pay more money I paid too much money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.