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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Chase Card Services making me an offer to settle my credit card debt for my credit card number XXXX. The letter stated that the settlement amount was {$5900.00}. The letter stated that if I make the full payment of {$5900.00} prior to the date of XX/XX/XXXX, Chase Card Services would cancel the remaining balance and I would owe them " nothing further on the account. 

I sent the full payment of {$5900.00} by XXXX XXXX  to the address listed in the settlement offer letter and it was received by Chase on XX/XX/XXXX well in advance of the XX/XX/XXXX deadline. However, since that time I have never received any acknowldegment from Chase Card Services that they received my check and as of todays date of XX/XX/XXXX, my check has not yet been cashed. 

Until Chase Card Services honors their part of the settlement agreement by cashing the check and reporting to the credit bureaus that the debt has been settled, an overdue balance of {$29000.00} is still appearing on my credit report causing a significant negative impact credit rating. I am requesting that Chase Card Services honor their part of the settlement agreement by cashing the check I sent them and reporting the payment to the credit bureaus so my credit report will reflect the payment with no further balance on the account.
Product: Student loan

XXXX XXXX transferred my student loan to Firstmark Trust Services using dated information. I moved and was not receiving any of the bills or statements from the company. Because of this, I missed a payment and now my credit score has been severely impacted. I called to try to fix the problem and the customer service agents had an attitude and were unhelpful. I have never missed a payment on anything in my life and I feel like I am being mistreated and taken advantage of.
Product: Vehicle loan or lease

My car was seized on XX/XX/2023 from the private parking lot of my employer while I was working with no prior notice. I had been unable to make the full payments to Ally Financial for a couple months, but had been making reduced payments every month so, having not heard from them, had no idea my account was in jeopardy of default. It wasnt until After calling the police to report me car stolen, that I found out it had been repossessed. 

I called Ally on XX/XX/2023 and they provided me a quote of {$2400.00} and wiring instructions to bring my account current and release my vehicle I wired the money to them directly from my bank on XX/XX/2023. 

On XX/XX/2023, the Ally agent confirmed receipt of the {$2400.00} but would not process release of my vehicle. They then proceed to tell me they will not release my vehicle unless I pay them another $ XXXX. When I asked to speak to a Manager, the Ally representative told me that perhaps if I were a married woman then my vehicle may not have been repossessed. Horrified, I hung up the phone a dialed back in, hoping to get a different agent. I have been on the phone with Ally for hours over the past several days. Each time, there is no path to escalate or resolve. 

To date, XX/XX/2023, I have not been provided with the location of my vehicle or any information on how to retrieve my personal property from it. 

I had to XXXX home from work on XX/XX/2023. I have had to rent a car from XX/XX/2023 to date XX/XX/2023. I had to call out of work on XX/XX/2023 because my work laptop is in my vehicle and will probably miss work again tomorrow if I cant at least find out how to obtain my personal property. I paid a wire transfer fee on top of the {$2400.00} quote in order to have my vehicle released as promised. 

Ally misrepresented themselves when providing the initial quote. They provided XXXX communication prior to illegally seizing my vehicle. They have failed to provide the location of my vehicle so that I can collect my personal property. This predatory and misleading practice has caused me significant financial and emotional harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened older than 10 years and should be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I wrote to XXXX requesting an investigation into items that I believed were inaccurate and erroneous. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my third-time request, I will also be sending a copy of this letter to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Credit bureaus are required to fairly and accurately report information Please see my reasons for the dispute below : Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is accurate. 
If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX How are these accounts accurate if high balances, date of activity, date opened, and account status are not accurate & erroneous Please investigate if every piece of information is accurate. If not, please remove it from my credit report.On XXXX credit reporting agency both accounts are closed and reporting a balance of {$0.00}. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report & credit score. 


Sincerely, XXXX XXXX
Product: Debt collection

LVNV Funding LLC {$1600.00} on XXXX, XXXX, XXXX and I do not owe this account. 
Immediate removal from all three credit bureaus
Product: Checking or savings account

I had an open checking account with USAA Federal Savings Bank that was subsequently closed after XXXX said that my Documents used for proof of identity were not valid. Not only was my account closed, they also told me that USAA was terminating any future business with me because of it. 
I have been a member of USAA since the age of XXXX and I am now almost XXXX. Never in all my years as a USAA member have I received so many requests to provide identifying documents, which I provided each time, but to be told my documents werent sufficient for proof and you couldnt even give me a valid reason why. Additionally, to be told that my SSI Card and State issued DL were not sufficient for verifying my ID in addition to being told that USAA was terminating any future business with me is RIDICULOUS! 
I had called in to request a review of my identifying documents and to also request that I be able to open a new account with USAA. In my complaint through USAA, I had specifically requested a phone call regarding these matters and to date, I have heard nothing back from anyone.
Product: Credit reporting or other personal consumer reports

experian has failed to properly handle a few disputes with my credit card. 

experian has failed to cancel membership so I can log in and view my credit score.

It gives two options when logging in, pay for their membership trial or log out I then emailed their support team twice and still no reply
Product: Mortgage

Beneficial continues to deny the assistance requested with our account and to compensate us for our time and the lack of customer service and the ongoing damage it has done to us. The following are the issues that have not been resolved : On XXXX XXXX, XXXX Beneficial/HSBC erroneously sold our home mortgage to the XXXX XXXX XXXX Master Participation Trust by labeling our account as in default, and/or a distressed loan in trouble. Not only were we not behind in payments we were ahead. As soon as XXXX began servicing our loan we contacted them to let them know that false information had been provided on our account by Beneficial. When XXXX informed us in XXXX XXXX that we were behind in payments we called the customer service number and let them know this was not true and we lodged a complaint. They indicated at that time that Beneficial 's records were a mess and it would take time to sort things out. We had been trying to get Beneficial to correct their mistakes prior to them selling the loan to XXXX XXXX. They did not complete any work to address their mistakes. 

Question 1 : Why was our mortgage sold as a loan in default to XXXX XXXX in XXXX XXXX? 

In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records that were sent post " XXXX XXXX reconciliation audit. '' Question 2 : Why was the XXXX payment erroneously applied to the wrong date in our account? 

Question 3 : Why were the reconciliations of our account ignored? 

Question 4 : Why did you tell the NYS Attorney General and the Bankruptcy Court that our payments were up to date and then tell us we were in default? 

A document is attached containing our payment history of our account with Beneficial ( Beneficial provided this document to XXXX and XXXX has asked that Beneficial provide an explanation. ) We need clarification on the following : See attached for remaining complaint information.
Product: Debt collection

Upon knowledge of this alleged " debt '', I sent this company XXXX letters : Validation of debt and Debt Disclosure Statement. Both of the letters I sent were notarized and certified mail return receipt. The only thing I got back was a few printouts of what I " owe ''. That is not validation of debt or disclosure of signatures, time, place, creditors, etc. This company still has an active collection on me and is still attempting to bill me for the {$2200.00} " debt ''. This is not fair, not real, and I'm not paying anything that's not legal and official.
Product: Credit reporting or other personal consumer reports

Reporting the ( XXXX XXXX Credit Bureau Agencies ( Experian, TransUnion & Equifax ) are reporting unauthorized fraudulent hard inquiries on my report. Please see attached dispute letter and FTC Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received multiple offers for credit cards on credit karma and none of them have been approved although they stated that there were high of not guaranteed approval odds which is advertising false information.
Product: Credit reporting

I have disputed a file with Equifax concerning XXXX debt recovery. Equifax has no debt validations on this. XXXX has my correct info, however when I call the company that they represent, " XXXX '', they have no record of me. Also Equifax is not reporting XXXX of my credit files. They are listed as an inquiry, however the items are not on my credit report. Also the files that are on my credit report only seem to update every 6 months or so. This is a horribly run company.
Product: Credit card or prepaid card

Credit one took my account away and then sent me into collections capital. One keeps harassing me lockbox I never opened. I am not responsible for his accounts and I am not paying them
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and received copies of my credit report from XXXX, XXXX and Equifax. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT EDXXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, XXXX and Equifax did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, Equifax and XXXX. Attachments include account names, account numbers and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  : {$250.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a collection on my credit reports for PYOD XXXX. I have called them and sent them letters ( that were signed for ) over 10 times and I have never heard from them. I do not owe them anything and they will not respond for clarification. 

This needs to be removed immediately or I will have to take them to court and ask for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have working with a credit repair company to remove a capital one charge, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX