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

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Payday loan, title loan, or personal loan

Keep getting emails and phone calls to get a loan or claiming I have applied for a loan. I have not applied and have explained this to them but they continue to call and send emails several times a day. The companies is XXXX XXXX lending, phone numbers XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. They are now saying I applied through a third party company. I have not applied for any loan.
Product: Credit card or prepaid card

I was XXXX overseas for the XXXX XXXX XXXX. While I was gone, Bank of America cancelled my credit card account due to inactivity. I called and explained the situation, and they will not reactivate my account. 

They also said it may be because of changes in my credit situation, however this is untrue as my credit is about the same now as it was before I left.
Product: Debt collection

Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a response from Equifax after sending two letters disputing the inaccurate information on my credit report.
Product: Debt collection

XXXX XXXX wanted to bill me full month dues oXXXX XXXX  for my final month upon cancelling my contract, but only wanted to grant me access for 10 days rather than full 30 days " in order to prevent me from being billed again ''. Upon reviewing my contract, there was no such clause. The prorated amount owed to XXXX XXXX for 10 day access for XXXX 2017 is calculated at XXXX. I am willing to pay the legally owed amount.
I contacted XXXX XXXX in writing to dispute the amount and offered to settle, but they ignored my letter and have continued to have third-party collection agencies try to collect this invalid debt.
Product: Credit card or prepaid card

I have a {$700.00} XXXX XXXX credit card managed through XXXX XXXX. I filed for bankruptcy two months ago. My lawyer and the Bankruptcy court of Tennessee has contacted them to make them aware of my bankruptcy filing status. They have filed a claim in my case. However, they continue to call me from multiple numbers all day every day upwards to 20 times a day, and often use a restricted number with which to call me from. They even call Sundays while I'm in church at XXXX. However they always use a restricted number to call me on Sunday mornings. I have contacted my bankruptcy lawyer regarding this issue, as well as informed the company with this issue, however they continue to harass me. I have provided some screen shots of my phone log but can provide copies of my phone bill for better clarification if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good afternoon, it is XX/XX/XXXX and I have or had a loan with the Westlake Financial company for a vehicle loan on XX/XX/XXXX. which I gave the first payment on XX/XX/XXXX, XXXX which the next payment would be like this on the XXXX for 3 years. Which in the information that they themselves gave me says that the vehicle is already paid in full. I've been calling and they tell me that's the case but my credit has been at its worst. I have never said that I am not going to pay. The mistake is not mine, it is theirs from the beginning, so I demand that my credit be fixed in all the credit bureaus and thus they themselves can not fix what they themselves did. It hasn't stayed with me and I plan to catch up with the payments. And if it's already paid, tell me who paid for it. But they urge me to fix my credit as soon as possible because the fault here is not mine. Here I send a pleasant photo of when they tell me that the account has already been paid and they won't let me continue. Then I call on the phone and they tell me what I already mentioned here. thank you so much
Product: Debt collection

After writing and mediating with " EOS CCA '' company about time-barred debt which was previously closed and deleted by XXXX, I received a letter stating they will close and delete that debt from all credit bureaus. And then XXXX more EOS CCA debts showed up from the same creditor which once again were closed in XX/XX/XXXX by XXXX XXXX Services. XXXX more were deleted from the credit bureaus after I sent them the letter then they came back then removed again and XXXX remained, which I am XXXX of disputing constantly.Like I said, that XXXX XXXX XXXX was sold or closed by XXXX then went to another company then deleted by EOS. It seems they keep extending the original date of last activity. It went from XXXX to XXXX to XXXX account opening. Please let them know that they threatening and falsy promising me in writing one thing then re-reporing the account with different account numbers. Also the latest letter came with XXXX letterhead but saying that some US Asset Management XXXX is their client now. Also XXXX stopped completely collecting in XXXX. And they need to stick to their agreement or I would have to file a lawsuit. And I am also a XXXX veterans wife who receives XXXX and I a XXXX XXXX survivor.. They go by my old name ( XXXX )
Product: Payday loan, title loan, or personal loan

I called to advise that i can no longer make payments. I was told by the representative that they would still debit my account. The amount that they charge is XXXX every 2 weeks. It was a huge mistake to get this lian. The rates are 385 % which is well over the states allowed fees. Tgis was  for a XXXX dollarloan. Over the course of 5 months, i have more than paid off this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldnt get my account numbers on my credit reports, I need the account numbers for the inquiries because I need to get inquiries removed. I need my account numbers for all my inquiries in order for me to get them removed.
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I was in Dental office on XXXX/XXXX/2014 for dental implant before I new itI was being fitted for denture. Went I called the office I was told. 
'that my denture will be ready for pick-up in XXXX week. I call the officeon XXXX/XXXX/2014 to cancel this order. take to XXXX. Now CareCreditwants me to paid {$2000.00} dollars and placed it on my credit report. 
I informed Synchrony Bank that my order been cancelled mamy times this as hurt my credit I 'm requesting it be removed from my report. I ever received the product.
Product: Credit reporting or other personal consumer reports

Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( EQUIFAX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> ). 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.
Product: Credit reporting, credit repair services, 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. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX-Victorias Secret with bread financial & account number XXXX ) 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting Transunion off and on for a while now regarding errors on my account. I currently have some accounts on my report that do not belong me and needs to be deleted.
Product: Credit reporting

Incorrect information regarding an account was listed on my credit reports from all XXXX agencies. I filed disputes, shortly after XXXX and XXXX both made a correction and the account is now in good standing. After repeated attempts with Experian, they have not corrected the issue. Experian lists the account as negative despite being provided the proper documents. They have also failed to provide a description of how they processed my dispute, which I requested per my rights. 
This is the verbiage of my dispute to Experian : " This account relates to a dispute with the XXXX in XXXX that was resolved in XXXX. The XXXX claimed I had a past due ( in collection ) and I claimed I was owed because of overpayment. The XXXX conducted an audit and determined that I was indeed owed the same amount they claimed that I was in arrears. I received a refund in XX/XX/XXXX. I have included copies of the audit and refund documents. Can you please update the negative account in my credit report? Thank you. '' I have attached documents clearly showing the account should never been in collections XX/XX/XXXX. Please disregard the yellow highlight on one of the docs as that was for another matter. 
Thank you CFPB! 
XXXX XXXX
Product: Checking or savings account

I was charged over XXXX in fees for overdraft charges my funds I had in my savings which was XXXX I was unable to retrieve after a year I also was charged XXXX $ in fees for my account being overcharged but I wasnt enrolled in overdraft its been paid off now but it stopped me from obtaining another account I didnt even know I owed that much until I checked my credit report and it was there my account was open in 2017 a branch on XXXX XXXX XXXX by XXXX XXXX it seemed like they were constantly taking money in overdrafts
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I came across an account that was not mines and was opened as a result of fraud. Immediately provide the credit reporting agency with this information in the form of : 1 : signed affidavit that I had no knowledge of this account 2. Police report 3. Asked the agency to please provide the steps taken to support their finding 4. Asked them to send me validation of the debt 5. provide police report from my local police department of the situation Upon sending in information the credit reporting agency they did not assist me and frivilously handled my file.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 several 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information stating that my XXXX accounts are 90 days past due and the accounts are closed. I have disputed this information with them and they still will not correct it. How can an account be 90 days past due when it's closed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trie d on 3 diff erent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response I  sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts h as been updated as meeting FCRA requirements however I have not received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights. On 2 s eperate occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the hard inquiries on my Equifax report on XXXX. The credit disputes came back today and nothing is removed. It is fraud
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX 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. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : **** Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I believe that my loan servicer ( currently XXXX, previously XXXX and its predeccessor ) was negligent in informing me of details of the Public Servant Loan Forgiveness program ( PSLF ). When I initially joined the program, I believed that all my loans had been consolidated ( a requirement of PSLF eligibility ). I found out months later that the large majority of my federal loans ( about {$30000.00} out of about {$50000.00} ) were not consolidated, and I do not know why. I consolidated them last summer, but that {$30000.00} will not be eligible for forgiveness until XXXX XXXX, while the loans I first consolidated will be eligible in XXXX XXXX. Im now stuck making payments for more than a year and a half longer than I ought to be. My total loan balance ( federal and private ) is roughly {$100000.00}, so this is no small matter. On top of that, I believe that the servicer should have been more proactive about informing borrowers of the PSLF. I have been with the same PSLF-eligible employer since XXXX, but I did not become aware of the program until XXXX. I could be less than five years away from having my federal loans forgiven ; instead, the majority will not be forgiven for more than eight years.
Product: Student loan

I inquired about repayment of interest paid over 6 % over the term of the loan. I have paid off the loan but want to know if the repayment can be retroacted.
Product: Debt collection

I realized on XX/XX/2020 my credit report had a collection from Waypoint Resource Group in the amount of {$1200.00} that I was unaware of. On XX/XX/2020 I certified mailed a verification of debt letter, which arrived to them on XX/XX/2020 and they have yet to respond to my debt validation letter.
Product: Checking or savings account

On XX/XX/XXXX, I wrote the Internal Revenue Service ( IRS ) a check for {$2500.00} to clear up a debt owed. 
I received a notice from the IRS dated XX/XX/XXXX, that I still have an outstanding debt. 

I asked the IRS Representative was the {$2500.00} check received. The Representative gave me a list of checks that had been received by the agency, however check # XXXX for XXXX was never received. 

I went to my bank, ( TD Bank ) on XX/XX/XXXX and filed an affidavit of forgery and received a copy of the alter check and unauthorized withdrawal of {$2500.00}. 

Check # XXXX was altered and made payable to XXXX XXXX. This person made a mobile deposit to her account at XXXX XXXX. 

My bank denied my claim because this transaction was over XXXX old. However, my bank extended my claim to 1 year. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX Police Department with XXXX. XXXX XXXX # XXXX. He assigned me a case # XXXX. For questions please contact XXXX. XXXX XXXX on ( XXXX ) XXXX or on his XXXX I am requesting that TD bank investigate this matter thoroughly, and I would like the end results to be an reimbursement of the funds that was stolen form me.