23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2024 received an hard inquire on credit report due to lease termination fee. 
The manager of XXXX  XXXX at XXXX XXXX has been contacted as a result and thoroughly discussed my payment for the additional months rent and the termination fee. 
Was told that they couldnt fix the false pay issue because they already sent it up to collects. 
No form of communication was used to contact me/ the tenant prior to the additional termination fee and subsequently my credit has been effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time )  requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Inquiry is not authorized, I want these gone to be from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts On Credit Report. 

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

In accordance with the Fair Credit Reporting act 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, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX ( XXXX XXXXe XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, back in XXXX my home was broken into all my information and daughter information was stolen and all our jewelry. 

Someone even have an eviction in my name in XXXX XXXX Which I resided in XXXX since birth. 

Please help me I have no knowledge or connection with any account listed.
Product: Credit card

Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. 

They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ Financial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern. I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account. Transparent communication regarding the steps being taken to identify and remove the unauthorized items. Swift removal of the fraudulent items from my account and a confirmation of their removal. Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed. Compensation for the inconvenience, XXXX and financial impact caused by the delayed resolution. I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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 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 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: Checking or savings account

On XX/XX/XXXX I received two emails from Bank of America. The first says that my application for a new account was received, the second says my account was approved and opened. This is in regards to a Bank of America XXXX XXXX Banking Acct ending in XXXX. I never requested this account. When I called BofA to inquire they sent me to the fraud department. They questioned to make sure I had " no recollection '' of opening the account. I assured them I did not. The BofA associate warned me that " they '' have my social security number and sent me steps to follow regarding identify theft. This was alarming to me and I worried that " they '' could open a credit card or something in my name. I immediately contacted XXXX to alert them about the identity theft and set up increased notifications/ text message alerts in case " they '' opened any other accounts in my name. Then just yesterday the news broke that BofA was opening accounts on behalf of customers in order to meet sales goals. This is RIDICULOUS. They are creating false ALARM in customers in order to meet sales goals? The customer service agent never mentioned that this is happening to other people and not to be alarmed. They made the situation worse by making me concerned about my identity being stolen.
Product: Debt collection

GLA has been unable to provide debt verification on these items. 

I visited XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for emergency services. I provided a copy of my Medicare insurance card at the time, and later provided the card over the phone and via mail when I was billed for the full services. I was not aware the debt had been placed with a collection service until I saw it on my credit report. 

On XX/XX/XXXX at about XXXXXXXX XXXX I called GLA Collections Co Inc ( XXXX ) regarding XXXX collection report items of {$830.00}. I was told I would receive debt verification via text and did not receive this information in any form. I confirmed my phone number and updated my address with GLA during this call. Since this time, I have not received debt verification via mail, either. 

I attempted to contact the original debt holder who I believe to be XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX All of the numbers available for this provider are out of service. I have no way to verify the original debt or remedy the root mistake- the incorrect or absence of billing to my insurance and I was NOT notified of this in a timely way so that I could ensure proper billing to the insurance occurred in the required time. 
I have no way to validate this date outside of GLA who assured me they would validate and refused to do so in a timely way. Subsequently, I have no way to dispute the original debt, which is creating serious issues on my credit report. 

Additionally, I was asked by GLA information regarding my medical visits that was concerning from a privacy standpoint. I was asked if I left the hospital ( did you check yourself out ) and came back, information not relevant to the collections at hand as I never disputed the dates of service. 

As I have no way to validate or remedy this debt properly- with the proper insurance billing, or even the information of the original debt owner this debt should be removed immediately to as reduce the damage caused to my credit. I attempted to dispute this to XXXX ( report # XXXX ) and was told the debt was verified. I then asked for the method of verification and my dispute was closed as remains with no further information provided to me ( XXXX report # XXXX ). GLA has taken further negative action against my account since my inquires by flagging my account as unpaid on XX/XX/XXXX despite my disputes and requests for assistance in verifying the debt. 

The time this has taken to remedy has seriously impacted my ability to purchase a house and is contributing to a personal housing crisis which may leave me homeless. The offer of a reduction in interest or a reduction in total amount made by GLA is unacceptable as the required information I am due by law has been refused to me multiple times/ways.
Product: Student loan

I am currently on the SAVE plan. My loans have been placed on forbearance, and therefore, are not supposed to accumulate interest. I contacted Mohela because my loans have been accumulating interest. They said that it was an error and that they were back logged in updating the accounts. They said it would be updated the interest would be removed. As of today, XX/XX/year>, interest continues to accrue. I would like assistance in helping to correct my loan amount and the interest accrued.
Product: Checking or savings account

They are unable to provide a paper trail for transfers between accounts and account holders. As such, I have 2 deposits made into my checking account that they are unable to determine the origin of. Unknown bank transactions. This bank has no idea where the transactions are coming from???
Product: Bank account or service

I tried to cash a check written to me by my husband from his Bank of America checking account. The account had enough money to cover the check to me and the funds were available at the time I tried to cash the check. I asked for the money to be in the form of a cashiers check. BOA refused to cash the check because I do not have a BOA account ; they would not put it in the form of a cashiers check because I do not have an account. The check was for {$27000.00}. They also claimed they did n't have the funds on hand to complete the transaction. This is a very busy branch located at XXXX XXXX XXXX in XXXX MA. I had the check, I had identification and my husband who was traveling for business went to a BOA branch in the state he was in to have their manager call the XXXX manager. They still would not honor the check. After XXXX minutes I left to go back to work and I was out of patience anyway. My husband continued to discuss the matter with the manager of the out of state office and finally the XXXX manager said they would give me a cashiers check if I came back. I could not leave work again to make it back before they closed and I had no desire to deal with them again anyway.
Product: Debt collection

XX/XX/year> LVNV Funding {$430.00} is not mines I never open the account and have no knowledge of it please remove thank you
Product: Credit reporting or other personal consumer reports

Sent complaint to Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian notified me of a late credit card payment in the amount of {$230.00} from XXXX XXXX XXXX XXXX XXXX XXXXXXXXI closed that account last month, { XXXX XXXX } XXXXXXXX XXXX  did not honor a 15USC 1666i that I invoked on XXXX  I am in compliance with all of 15USC1666i 's conditions to make XXXX XXXX XXXX this charge of the products including the interest amount. The total is {$230.00} as of today. XXXX XXXX has never acknowledged this fact even after many letters sent certified mail that they received my letters, and they are responsible for the amounts in question. I do not owe XXXX this money now. Experian never verified this late payment information before posting this big untruth. All the credit card reporting agencies have lowered my credit reporting number by XXXX XXXX This will be hurting my future, financially damaging it. XXXX XXXX XXXX XXXX also. }. Please enforce Federal law as to protect my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. 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, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with equifax and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documents.XXXX and XXXX would not allow me to process a dispute for these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. XXXX  XXXX XXXX XXXX. The company agreed to remove this. Please DELETE ASAP.
Product: Vehicle loan or lease

This account was supposed to be removed. The account information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX USAA Member No. : XXXX Car Note Loan No. : XXXX In XX/XX/2021, I filed a formal dispute with USAA Federal Savings Bank regarding the reporting to the credit reporting agencies of my car payments as being " 30-days late '' every month from XX/XX/2021 when they were being paid as agreed. 

As a result, an agreement was reached on XX/XX/XXXX, copy attached, with the relevant portion, " We are writing to inform you that the delinquency in dispute has been removed from the account history. These agencies normally update credit information within 45 days. '' Even so, as of today 's date, USAA is still continuing to report my car payments as being " 30-days late '' in violation of the agreement and the FD CPA 807 ( 2 ) ( A ) in that it is falsely reporting " the character, amount or legal status of any debt. ''
Product: Bank account or service

XXXX, I deposited a check initiated by my insurance company ( XXXX XXXX ) and which was drawn off of Chase Bank, deposited to a newly opened Chase Bank account solely because Chase would NOT CASH THEIR OWN CHECK despite verified funds on the account. The funds ( {$4500.00} ) which should 've been immediately became available and were posted to the account on XXXX subsequent to several phone calls to release the funds and after they were once again verified as paid by the financial institution ( Chase ). The funds were made available to my account on XXXX. I made several purchases and needed to contact the loss prevention department at Chase 3 times to get the account reactivated. None of these times did anyone inform me that it could be closed and I would not be able to receive my own money. 
On XXXX, I discovered that my account was restricted, went to the nearest branch and queried as to why I was unable to use my card or log in. They stated that the account was going to be closed in 10 business days and I would receive my funds in an additional 10 business days after that. The funds in the account are cash. The check has been verified by Chase Bank to be cleared and also verified as legitimate by the issuer ( XXXX XXXX XXXX ). 
I requested in considering the closure of the account, that I secure my funds now and in cash in the amount of {$2000.00} since the deposited check is as good as cash and that cash is rightfully mine. They denied my request and want to make me wait 20+ days to receive my funds, stating that there are pending transactions on the account ; however, these transactions are already debited from the account ; Chase just needs to post them. In other words the available balance is just that - what is available to me. There are NO CHECKS associated with the account, so there is no concern for outstanding checks. It is unfair not to release the funds that are liquid and carry no contingencies. I need them now as I purchased items to replace stolen goods for which I was issued the insurance check in the first place. I put a deposit and need the remaining {$2000.00} to complete my transaction to purchase a trailer. Not paying within 3 business days will consider me in breech of contract, I will lose my deposit as well as my trailer, which is where I intend to securely store several tools I just purchased ( again ) in conjunction with the insurance claim.
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on a previous request I submitted regarding a bankcrptcy that is listed on my credit report. I have requested that the item in question be reviewed to ensure its accuracy, in full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., the FCRA mandates that credit reporting agencies and furnishers Attached to this correspondence, you will find the response I received from the credit bureau regarding my initial request. Upon reviewing their reply, you will notice that the disputed item is marked as either " updated '' or " verified, '' which the bureau indicates should imply that the information is now accurate and correct.

I respectfully disagree with these conclusions, as I have carefully reviewed my credit report and identified several discrepancies that still remain unresolved.

I have also marked the disputed Item that was previously raised with the bureau.

I have also included a copy of the letter I sent to the credit bureaus outlining my position. In this letter, I made it clear that I will be exercising my rights under the FCRA ( 15 U.S.C. 1681 ) to have any inaccurate or unverifiable information removed from my credit report.

information gathered from Equifax Credit file : XXXX
Product: Student loan

I have sent multiple emails, uploaded the same document twice and there is no communication from the company that they are even looking at it. Its ridiculous that I tried calling this time and I got a 468 minute wait time. I put my number in a queue but theres no sign of them calling. Its been the 468 minutes already! LONGER! I just want information about repayment!
Product: Mortgage

US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through XXXX XXXX which I did. As a result of me making my payments through XXXX XXXX and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if they had n't made a false promise that it would lower my mortgage when all it did was hurt my credit.