23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started XXXX XXXX College which was told I received a Pell Grant to go for XXXX $ I finished in XX/XX/XXXX because I had family issues but graduated in XX/XX/XXXX paid cash I did not sign any forms for loans. Here it is XX/XX/XXXX and they send me this bill. But the cost to finish was only 4 or 5000 $ in XX/XX/XXXX..This debt is Not my debt I am disputing it. Because XXXX at the time went to XXXX  for embezzlement students loans she only had me sign a form that's all ... back in XX/XX/XXXX I signed defer papers moved numerous of time and offer to pay when it was XXXX $ but I could only pay XXXX $ a month they denied me saying it was too low it had to be XXXX  or more I was struggling on welfare monthly check was XXXX . I couldn't afford XXXX $ a month they wouldn't accept so here I am haven't been able to pay I am XXXX XXXX and have XXXX income.They Use My Social security Number in a unlawful practice.I can't buy it sell anything with this on my Credit ... everyone goes by good credit scores. KJV Bible verse says a good name is more precious than rubies.I want my good name back this corporation have allowed these entities to ruin my life
Product: Vehicle loan or lease

I shave attempted to make payments on the loan but due to other bills the payments were returned. I spoke to a representative via chat and on the phone today and told them I sent a full payment via my bill pay on XXXX Wednesday and they should get it by Friday the representative stated ok she will note the account and hold it as it XXXX not post until Monday. That was todays conversation. I also told her I would send a partial payment on tomorrow as well. Not to long after I received an email from a GM rep named XXXX XXXX who is a collections supervisor ( attaching the email and I responded but as like the others the email states the email is not valid and they will not respond. I just need a week or XXXX to catch up on the loan and bring it due for XXXX Theyalways ok we will hold it but then send me threatening emails that I can not respond to XXXX with XXXX representative this week.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2018, I am trying to place a security free on my credit file with Experian. I have try it online multiple time and by phone. I was told to send all my information by mail with copies of my driver 's license and bank statement or other document to prove my identity along with a copy of police report. Their website did not offer online identity verification like other credit beau or denied my request before my identification can be verify online. Why a company allowed to collect and store my information without my consent, without allowing me to opt out of their service, deny my request to put a free on my file, and asking me to provide copies of my driver 's license and other document by mail. Don't they have enough information of us? Now they wanted a hard copy of everything by mail. I don't want to be in their Data Base. Please have company remove all my information off their service if they can not allow me to put a security free online. if they want physical verification please have a physical location where I can visit and prove of identity.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have requested that synchrony bank close my account months ago and on numerous occasions. I've even gone to the extent of explaining that I need the account closed immediately and a verification letter stating that the account is closed so that I can be awarded Vet and SSI benefits. Everytime I speak with one of their representatives they have some excuse or they tell me my checks are in the mail and then they never come. I have verified my address and other info way too many times to count. They have been not only dishonest but unethical in cancelling my requests, sending multiple notices stating that my address has been updated instead of my refund check and cancellation letter. They have even went as far as changing the phone number and address on my online account and locking it so that I don't have any access to get to my funds and transfer them out of the account. I am fed up with their lies and dishonest and my next step is to seek out legal action. What they are doing is unethical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report associated with my XXXX XXXX  XXXX. account ending in XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I have identified an unauthorized account. I have no binding contract or any affiliations with consumer. I request the removal of this inaccuracy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having problems with this company for a 2 years now. I disputed and gave them chances to actually solve the issue. They do not investigate any thing and everything comes back verified with no reasonable explanation. They have numerous times to fix the issue and just won't budge
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off closed account XXXX and XXXX hard inquiries that was never given a credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries that need to come
Product: Vehicle loan or lease

After the vehicle was repossessed, Nissan Motor Acceptance XXXX ( NMAC ) failed to provide us with the proper redemption options in writing... prior to the sale of the vehicle. 

Additionally, NMAC also knowingly failed to properly sell the vehicle within the time frame mandated by both state law. 

And, in doing so... has continued to violate consumers ' rights by falsely reporting a balance as PAST DUE after failing to legally provide me with proper redemption disclosures before the sale took place & also failing to dispose of the vehicle as required by state law. 

And, finally ... NMAC has also continued to falsely report a past due balance even after already selling the debt to a 3rd party debt collector and/or authorizing a 3rd party debt collector to collect the debt on its behalf ... which should be invalid anyway, due to NMAC 's failure to provide proper redemption paperwork prior to the sale and/or disposing of the vehicle in a manner which violated one or more of Kentucky state law.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : XXXX XXXX XXXX XXXX utilized CredCo to do HARD credit inquiries on XX/XX/XXXX and XX/XX/XXXX for the same mortgage refinance application. I read on the CFPB site : https : //www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005/ ) " You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. '' Having these multiple hard inquiries is WRONG and it has damaged my credit score and has jeopardized my standing at other financial institutions so much that my credit limit on 1 card decreased from XXXX down to a mere {$2000.00}. 

Here is a brief timeline : XX/XX/XXXX - I inquired about the next steps to proceed with a new mortgage refinance application. Without my express authorization, XXXX pulled my credit. Unbeknowst to them, my XXXX  Credit File stays locked unless I unlock it. So they only got to pull my XXXX and XXXX  reports. 

XX/XX/XXXX - I reached out to XXXX again to inquire why they pulled my credit and told me that was the next step in the process. I then explained that my XXXX  Credit Report is locked and I would need to unlock it. At this point, I authorized them to go ahead and pull it. So, XXXX pulled all 3 bureaus this time. 

XX/XX/XXXX - I successfully closed the mortgage loan with XXXX. 

XX/XX/XXXX - I realized that my XXXX  and XXXX credit report had 2 hard inquiries dated both XX/XX/XXXX and XX/XX/XXXX. I immediately emailed XXXX to fix this. XXXX replied to say that they would submit a letter to the credit reporting vendor and would send me a confirmation receipt, along with any other correspondence. 

XX/XX/XXXX - I sent an email to XXXX to follow up because I did not hear anything back after my initial outreach a month prior. 

XX/XX/XXXX - XXXX replied to state they would reach out to their vendor CredCo. 

XX/XX/XXXX - I sent another email to inquire on the status. 

XX/XX/XXXX - I made a phone call and left voice mails for 2 individuals at XXXX. I called XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

They have the wrong value on my Experian account. The amount is higher than what is actually owed. They currently have {$24000.00} and it's supposed to be around {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$730.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They  entered a claim with the credit bureau  on  XX/XX/XXXX  in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted to send {$25.00} to a friend in XXXX via Western Union. He twice tried to collect the money at his bank, but the transaction was declined. Western Union then cancelled the transaction and refunded the money to me. Today, XX/XX/2020, I received a letter ( attached ) stating the reasons for the denial. Their claim that I initially contacted them is false. I spoke with their customer service today and inquired why I received the letter. They stated that the transaction was " flagged '' as being fraudulent but they could not explain their reasoning. They said that they would email a response. This is nonsense. I've owned the bank account for more than a decade and I personally know the recipient. There was no fraud here. 

On XX/XX/2020, I resent the {$25.00}. This time it went to a Western Union location rather than a bank. Again, my friend was unable to receive the money. I called Western Union on XX/XX/2020 and they informed me that a refund is in progress. Again, they could offer no explanation as to why the transaction was declined. 

During today 's phone call, I informed their representative that using words like " fraud '' and " money laundering '' was crossing the line. I informed them that before using such language they need to provide proof as justification. 

I've never had such difficulty in sending someone as small an amount as {$25.00}.
Product: Checking or savings account

On XX/XX/year>, I contacted M & T Bank to close an account I did not open. I requested information on when the account was opened, what information was used to open it and other identifying information. They would not release any information to me. I asked them to send me confirmation that they had closed the account they refused. I am still receiving information about an account that is still open after I requested that they close it.
Product: Debt collection

Bull City Financial is collecting on behalf of XXXX XXXX. They submitted a negative credit report even though I disputed it. They have contacted me about multiple claims, most recently in the amounts of {$550.00}, {$460.00} and {$300.00}, for medical services that I declined and they provided against my wishes. Their physician apologized to me at my  release because of their provider 's error. Bull City finally removed an old claim from my credit that I disputed for years but they are still trying to collect. 

I have tried to dispute with XXXX and with Bull City, but Bull City refuses to even acknowledge that I am trying to provide information to correct this error, and XXXX keeps trying to get me to fill out paperwork for XXXX XXXX but will not address the error.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint personally. Upon examining my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have not received any response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Letter Fraudulent Account Removal Due to Identity Theft To Whom It XXXX Concern, I am writing to file a formal complaint against credit bureaus for their failure to remove a fraudulent account from my credit report despite my identity theft claim. 

I discovered an unauthorized account listed on my credit report : Creditor : XXXX  XXXX Account Number : XXXX Balance : {$4300.00} I did not open this account nor did I authorize any transactions related to it. It is evident that my personal information has been used without my consent, leading to a clear case of identity theft. 

Upon identifying this issue, I immediately reported the fraudulent account to authorties and the credit bureaus and provided all necessary documentation to validate my claim, including : A identity theft report from FTC A valid police report detailing the identity theft Copies of my identification ( drivers license, social security card ) However, credit bureaus have not taken the appropriate steps to investigate my claim and remove the fraudulent account. The continued listing of this unauthorized account has caused significant harm to my credit score and has placed undue stress and financial burden on me. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and for fraudulent accounts to be removed in a timely manner. 

Therefore, I am seeking the CFPBs assistance to ensure that credit bureaues adhere to the FCRA and promptly remove the fraudulent account from my credit report. I am requesting a correction of my credit records and an updated copy of my credit report upon resolution. 

I am willing to provide any further information or documentation as needed. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 someone wired our money out of our checking acct.online. I received an e-mail on XXXX/XXXX/16 from the bank that I had changed my password, another that I had changed my phone number, another that I wired money out and there 's a XXXX.The amt.was XXXX wired to XXXX Bank.The bank would n't talk to me on the phone, I did n't know the password! I went to the bank and reported.I closed that acct.and opened a new XXXX without online access.I reported to the police. I was told they would refund my money within 30 days, but usually within 10 days.We had this acct.almost XXXX yrs.We are XXXX, this is our only money.I had paid bills that day.Those payments bounced, late fees are now due, I had to spend money designated to other bills to pay these returned bills.Electric co.requested it in writeing .I asked the bank manager to give me a statement that it had to be closed & is under investigation.NO, would n't give me it.I have not received any information at all.Now, besides the late fee, I must go pay cash in person for 1 year as I paid them on a closed acct!! I had to use my car ins.money, now I could lose my cars! This has been a nightmare!! I have been to the bank several times.I get no help.All they say is " it 's under investigation '' .This is ruineing us! My husband has serious XXXX XXXX, this is hurting us physically.We need help!! I was told the bank had 3 days to notify us of findings to date.We begged, could n't get anything.And that the bank had 10 business days to investagate, and then should refund us all but XXXX while investigation is ongoing.We desperately need our money now.We have late fees pileing up, we ca n't pay.I ca n't pay anything on time as I 'm still trying to catch up. We can pay our bills, but it takes all our money.We do n't have an extra XXXX to spare while the bank takes it 's time investigating.We need help!! I 'm so surprised and disgusted that the bank would treat us like this. They gave away my money, changed my password, phone number, address, without my knowledge.And now I have to beg for my money, and they could care less.Please, please help us ASAP!! Any help is greatly appreciated.
Product: Debt collection

I recently pulled my credit report and I found this collection account number ( XXXX ) across all 3 credit reporting agencies. I am unaware of this debt and I did not have the opportunity to dispute this debt.
Product: Credit card or prepaid card

Month of XXXX Ive called capital one to get a secured card removed from credit report Month of XXXX I sent a letter Month of XXXX I called and reported as fraud Month of XXXX I called again Month of XXXX I called to dispute again
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. 
I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. XXXX XXXX XXXX made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. 

Lastly, the I do not and have not given XXXX XXXX XXXX permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. 

This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for XXXX XXXX XXXX debt collectors to re-age Synchrony Bank credit accounts.
Product: Debt collection

Disputed the debt with JJMarshall on XX/XX/2021 and received a letter on XX/XX/2021 stating that my dispute was lacking facts or info to conduct an investigation but the company requested that the account be reported with the CRAs as disputed