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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
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. 

XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, US DEPT OF ED/XXXX XXXX, CHILD SUPPORT ENFORCEM XXXX, CHILD SUPPORT ENFORCEM XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 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

In accordance with the Fair Credit Reporting Act, The following accounts have violated my rights : XXXX AccountXXXX XXXXXXXX XXXX XXXX- Account # XXXXXXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states, that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days ; these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

AMEX XXXX I don't care. 

You attempt to bill someone for their own XXXX? 

That's a serious problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

XXXXTHIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE 3 CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Product: Vehicle loan or lease

My loan with Credit acceptance was being taken out directly from my checking account. My bank removed the payment without notice therefore, I was unaware it was not being paid. By the time I discovered it my payments were behind several months. I have started giving higher payments since then. First payment was {$500.00} & then {$190.00} every 2 weeks. As you can see loan is going down? This is highly affecting my score & very unfair. Please help? Thank you
Product: Credit reporting or other personal consumer reports

Greetings I'm a natural person a free man and an original creditor pursuant to 15 USC 1692a ( 4 ) writing to have these fraudulent accounts removed from my consumer report immediately I'm executing my XXXX given rights pursuant to 15 USC 1692b. This information has been reported to the federal trade commission, and I have documents to support my statements. This has caused me extreme emotional, mental, financial damage to my life drastically impacting my livelihood as a natural person. I've been a victim of such terrible identity theft and I'm demanding the removal of these fraudulent accounts immediately : XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$880.00} XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX {$300.00} XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down these accounts : XXXX XXXX XXXX XXXX, XXXX CREDIT CARD XXXX, XXXX XXXX XXXX '',
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
Product: Debt collection

Notice for Proof of Claim Account : Hunter Warfield account # XXXX. To Whom it may concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts state ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The following account is listed below : Hunter Warfield account # XXXX
Product: Mortgage

I tried to close out my loan with Ditech on XXXX XXXX. Our reoccurring payment was supposed to process on XXXX XXXX. However, they processed our payment on XXXX XXXX and then did n't close out the loan until XXXX XXXX, holding our overpayment " hostage ''. We contacted them on the XXXX when the payment came out and they said they ca n't cancel it. Then the system was down from XXXX XXXX XXXX and during this entire time frame we were unable to get any information about our loan. Now on XXXX XXXX they still can not give me any information on the status of the refund they owe me, only that it will be evaluated at the end of XXXX. I can understand if it takes awhile to process the check but I should be able to know my exact account balance daily - not over a month later.
Product: Debt collection

HI COI ; XXXX ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Mortgage

I received a statement at the end of XXXX stated that my XXXX payment would change from XXXX to XXXX. I was told that I owed an escrow balance from my pervious mortgage company. I asked a statement showing the balance and all applied payments to that company. I received a statement outlining my escrow for SPS but nothing about the previous carrier.
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 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

Hello I would like to explain what is going on. The fact is that I have an equafax account. I go in and do the dispatch. But the dispute is that they dont remove this information for me : first name last name account addresses, its not mine. I ask them to remove it, just like I had bankruptcy. I told them that I have evidence that you should take this information. And in order to dispute this, they say, you need to upload documents, these are rights or a passport, but the dispute is handled by people not in XXXX. And outside the United States of America, this is XXXX XXXX, when I call they end up there, but with custom service I end up either in XXXX or in XXXX XXXX XXXX. I dont want to give them documents, because I think its wrong. I told them mine was gone. And he gave his first and last name and address. They don't want to clean it up. This is unnecessary information. I have no right to give photographs of her to XXXX XXXX and XXXX. They don't ask for documents. Without this, they make a drink without documents, but an equax. They say we need to upload documents. This is my spelling. I don't want to give it to them. I asked them questions about customization and service in the XXXX by phone. I say, can you give me your passport or send me your license? I want to look, But theres no talking, But I say, Why are you asking me? This is me saying, the United States of America has no such thing as giving away documents. This is illegal. You asked me for insurance. XXXX, I gave you a secret. In general, they dont remove my addresses, phone numbers and dont correct my first and last name. I have already written to them many times. I talked to them and they don't do anything. That's why I want to file a complaint against them. Please help me figure it out. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, It has came to my attention that someone has done fraud with my information and has tried to open up multiple types of credit lines with different lenders giving me about 10 inquiries in one month of XXXX Which is outrages for me to do personally. Ive attached photos of the companies with dates and its every single one coming to a total of 11. Ive asked for the removal and nothing. I just filed for XXXX  XXXX and would like to have these removed to start the rebuilding process.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.
Product: Credit reporting

all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Product: Checking or savings account

XXXX XXXX XXXX All accounts were charged overdraft fees on several occasions while were waiting for transactions to clear
Product: Credit card or prepaid card

Lost my job due to the Coronavirus Epidemic! Signed up for unemployment got approved for the PUA program, got email my debit card would be in mailed within 7-10 business days! IT HAS BEEN FIVE WEEKS NOW! US BANK RELIACARD sent my card to not one but two different addresses! Know my third card is getting expedited till the unemployment office approved my mailing address! Why is this?
Product: Debt collection

I submitted a detail request from this Collection agency to no avail. I sent a letter via certified US mail with Tracking # XXXX which shows delivered on XX/XX/2022 at XXXX XXXX. There has been no response. In this letter I requested information to help settle this matter all together. And I have yet to get a response for this company.
Product: Student loan

I have a private student loan with Navient. I am trying to pay the loan, but they keep giving me reduced payments and forbearance options and they lie about how that is being handled. I am really at my wits end with their illegal practices, the lies, harrassment, and repeated phone calls with more lies. I have requested that they never call me and they only correspond through the mail or email. They refuse and say ; it is our right to call you, which I know is illegal upon my request. I know that there is a lawsuit that was awarded for Navient private student loans and I did not receive anything in the mail, but we did move. I am not sure if I will be a part of that, but I feel that I should, because I have been a victim of their illegal forbearance practices and harrassment.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. 
ACCOUNT : XXXX XXXX XXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies. 
I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY AS I WAS NEVER LATE FOR THIS ACCOUNT. EQUIFAX even has this information correct, as it reads PAID AS AGREED for XXXX of 2022 on their consumer report. Failure to do so may constitute willful non-compliance in this matter. 

I have experienced great emotional and financial hardship over this illegitimate late payment as it has inhibited my opportunity to refinance one of my mortgages amongst other things. 

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/2022 I called Westlake Financial Services to change my payment date. On XX/XX/2022 a charge for {$480.00} was taken from my bank account with a {$5.00} transaction fee. I called Westlake Financial On XX/XX/2022 and they had no idea what I was talking about. I called everyday and finally was told it was taken from my bank account and applied to someone else 's account. I've been calling and waiting to get my money back. In the mean time I paid off my loan with them and am also suppose to be getting a {$1400.00} refund. The {$1400.00} refund was processed on XX/XX/2022. I was told to wait 7 to 10 business days to receive that refund. I waited and still nothing. They still have the total of {$1800.00} of my money. They keep telling me to wait, but how hard is it to get a customer their money back. I've since found out they have a one star rating on the XXXX  website and have done similar shady or fraudulent things to other customers. How are they still legally able to do business with people 's money? One complaint the company has that I was able to get was that they setup a fake loan with someone's identity. That person didn't even have a loan through them but yet there was an account in her name. What does it take to get an investigation into this compay?
Product: Debt collection

These scammers keep changing their number and keep trying to get me to return their calls. They call multiple times a day to my job and to my cell phone. This is harassment and I want the calls to stop. Someone named XXXX XXXX keeps calling and leaving messages saying to call him at XXXX. I do not owe anyone any money. Please make the phone calls stop!