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

I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX, XXXX, XXXX, TRANSUNION AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I saw a couple of negative accounts on my credit reports that are not mine. I reported this but they said they verified it as accurate but no letters or proofs or anything was even provided. These accounts are not mine and I really need your help to address this for me please. It's been going on for almost 6 months now and the disputes are still pending. 

I will attach here the FTC reports that they told me to resend again and again. Pls delete the following fraud accounts and inquiries : Fraud accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is also a fraudulent inquiry : XXXX XXXX - XX/XX/XXXX XXXX 

I have not even studied. I wasn't capable to. The student loans don't make sense at all.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to XXXX XXXX XXXX XXXX ( a ). XXXX XXXX {$730.00}, XXXX, XXXXXXXX XXXX  XXXX. {$6700.00}, XXXXXXXX XXXX  XXXX. {$5100.00}, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out and send supporting documents and proof for investigation with XXXX XXXX XXXX for {$3200.00} which I have done twice and each time it came back the same day with nothing done. Also, things that were cleared and removed from my bankruptcy that was discharged was added back on as part of closed accounts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and
Product: Credit reporting, credit repair services, or other personal consumer reports

To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXX Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with Experian and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you review the documents? Several accounts listed contain reporting errors, including incorrect amounts and dates.
Product: Debt collection

received collection notice from Dynamic Recovery Solutions XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint today to apprise you of my ongoing issue as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report # XXXX. Enclosed, please find the attached documents aimed at facilitating the removal of erroneous information and fraudulent inquiries currently appearing on my report. Below is a list of items that either do not pertain to me or were opened without my consent : -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items in the file of a consumer identified as stemming from an alleged identity theft within four business days of receipt.
Product: Vehicle loan or lease

On XX/XX/year> I bought a XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. We had gone through a final price several times with the sales agent XXXX and expected to pay XXXX for the car. We had spoke to XXXX several times during the day and he assured us there were no add ons and the figure was XXXX. I showed up to buy the car around XXXX that night. The finance manager was not ready for me to sign and I had to wait around about XXXX hours for then to get paperwork ready. My daughter was in a rush to go from the time we got there as she is in high school and has homework. I also have multiple XXXX and I was tired. When I signed the paperwork I did not know that the loan amount was increased because of a warranty to XXXX. I signed the paperwork not knowing this, and my daughter drove me home and XXXX, the sales agent drove the car home to my house for me as I was very tired and was having trouble with my XXXX XXXX The finance guy gave me a XXXX XXXX and said all closing information was on it. About XXXX weeks later, I got mail from Wells Fargo that said the loan amount was for XXXX. I wondered why and my husband opened the XXXX XXXX. All the dealership had given XXXX was unsigned documents, like our insurance paperwork on the XXXX XXXX. Nothing about the loan or loan amount, nothing about a warranty, nothing signed. We called, emailed, and wrote the dealership and the owner of the dealership XXXX XXXX out of XXXX, and no one responded. Around this same time, we noticed a clicking on the front of the car. We had this looked at and it appears a CV joint was out. Since I was slammed with the warranty, I called the dealership again to see if the warranty would cover the XXXX XXXX. The finance manager did then send over the closing paperwork sowing the loan amount.Both finance and the service department would never, and still has not responded. We finally gave up on the dealership and found the phone number for first service who had been paid from my closing on the warranty, and they said the warranty is only for a power train. I never wanted a warranty in the first place as I told XXXX and his sales manager many times because from past experience I know them to not want to cover anything. I was slammed a useless warranty for about {$2000.00} without my knowledge and I want the warranty cancelled and my money for this warranty I did not want returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving Equifax and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : My name is XXXX XXXX XXXX. According to the law, you have been violating my rights. Per FCRA as a federally protected consumer, I am now opting out of ALL AUTHORIZATION, I the consumer, may have given you written, unwritten, verbally, and non-verbally per 15 USC 6802 to report anything to anyone or any agency for ANY and ALL reasons. All reported items without my written consent is considered IDENTITY THEFT per 15 USC 1681b ( 2 ). Thank you for your cooperation. 

Respectfully submitted, XX/XX/year> XXXX : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

A XXXX security salesman had me sign up for what I thought was a regular XXXX account but it was in fact a credit account with Citizens Pay. After my account was approved I realized what was going on and cancelled everything with the XXXX security company and nothing was installed or charged. 

I now have an open line of credit I do not want with Citizens Pay. I called and asked them to close the account and they said that it would take a couple of days. I got an email a couple days later verifying that my account was closed. I logged into the portal and can see that there is still a line of credit of {$6000.00} with a balance of {$0.00}. 

I called again and they were confusing but said my account was closed but that the credit would still be available for me to use. I said I do not want this credit available and would like to completely close the line of credit. 

They said they can't do this with no reason given and so I asked to speak to a superior and they said there was not one available. Another note is there was never a balance or a charge that could have potentially prevented this line of credit from being closed. 

At this point I have a line of credit with a bank I do not use and have to monitor it for potential fraud because they refuse to close it.
Product: Debt collection

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Product: Debt collection

I am writing to formally dispute a debt collection that I believe is being handled improperly by KIMBALL, TIREY & JOHN LLP ]. The details of the debt in question are as follows Account Number : rue XXXX - Creditor : XXXX Apartments ( XXXX XXXX ) - Amount : XXXX I have reason to believe that this debt is invalid due to the following reasons : I have reason to believe that the debt reported is not mine Additionally, I have attempted to resolve this issue directly with Kimball Tirey & St. John LLP but have not received a satisfactory response.

I am requesting that the CFPB investigate this matter and take appropriate action against Kimball Tirey & St. John LLP for their practices. I believe that my rights under the Fair Debt Collection Practices Act have been violated Thank you for your attention to this matter. I look forward to your prompt response Sincerely XXXX XXXX
Product: Debt collection

XXXX XXXX continues to falsely report information that they claim to have verified on complaint XXXX I have made several requests via certified mail and in writing and they have not provided me with any information. They sent me a letter dated, XX/XX/year> saying only that they verified their information but did not provide any documents. I have told the below three items, is not my debt and requested the following. 

1. Collection Wakefield and Associates- not my debt. 
XXXX. XXXX XXXX XXXX Illinois XXXX XXXX- not my case XXXX. XXXX XXXX XXXX I have asked XXXX XXXX to provide me with proof of the debt 1. signed contract 2. copy of my picture ID with said contract.

3. Itemized bill, paperwork, 4. who they verified this debt with 5. The persons name and phone number 6. Provide the date and time the person verified this information. 

XXXX XXXX is maliciously saying that this information is verified but they have not provided any documentation to me as I have requested many times. They must to provide this information immediately, they have been saying the same thing since last year and have not provided any documents. They are causing me severe emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 2. Identity Theft XXXX 'S Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 4. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX invalid late payments - Payments were submitted on time from my account, XXXX of not pulled in time but was paid on time 6. 15 U.S. Code 1692g - Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 11. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Ally Financial bank ... I have been a customer with them since XXXX I have always made my car loan payments on time but I went threw a financial hardship in XXXX when I lost my job and I was unable to make my payments on time, Although I wasn't able to make it on time, I still made sure to make my payments ... I also have a few late payments in early XXXX, I lost my job again but decided to drive for XXXX till I find a better paying job.. At the time that was my only source of income trying to maintain all my bills and my XXXX XXXX XXXX financials. I am currently now working with XXXX receiving much better income enough to pay all of my bills ... There is no reason for me to be late anymore ... As of XX/XX/XXXX all of my payments have been on time. I purchased my vehicle for {$20000.00} ... Although I went threw a financial hardship. I am almost done paying my car off.. I only owe {$9000.00} I am really trying my best to do right by continuing my payments on time to maintain a great credit score ... All my credit cards and other accounts are paid on time. I just had problems with my car payments and am asking for a second chance to remove these late payments because they are hurting me mentally and financially.
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation and Removal of Inaccurate Information Under 15 U.S.C. 1692c Dear [ Credit Bureau Experian ], I am writing regarding the debts listed on my credit report, which I believe to be either inaccurate, unverifiable, or otherwise in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically, I am invoking 15 U.S.C. 1692c, which governs how and when debt collectors are permitted to communicate with consumers. This law prohibits communication with a consumer if the collector knows the consumer has representation or if the consumer has formally requested no further contact. In this context, I believe my rights under this statute have been violated. Furthermore, any debt collection or reporting activity conducted without proper validation of the debt constitutes a further violation of federal law. 
The debts in question are as follows : Name : XXXX Account Number : XXXX, Name : XXXX XXXX XXXXl Account Number : XXXX, Name : XXXX XXXX XXXX Account Number : XXXX, Inquiry : XXXX XXXX Under the FDCPA and FCRA, you are required to investigate and validate the accuracy of these debts. If the creditor or collection agency can not validate the debts with documented proof, such as the original contract or agreement, the debts must be promptly removed from my credit report. 
Additionally, if communication regarding these debts occurred in violation of 15 U.S.C. 1692cwhetheXXXX through prohibited methods, improper timing, or harassmentit further invalidates any attempt to collect or report these debts. I am formally disputing these items and requesting : 1. Validation of the debts, including complete documentation proving their legitimacy, as required by federal law. 
2. ImmediatXXXX removal of any debts that can not be properly validated or that have been reported or collected in violation of 15 U.S.C. 1692c.

Failure to comply with these requests within the time frames established by law may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 
Please treat this letter as a formal dispute under the Fair Credit Reporting Act and a request for validation under the Fair Debt Collection Practices Act. I expect confirmation in writing that these items have been either validated or removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required time frame. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX The XXXX XXXX XXXX XXXX {$2500.00} amount has been payed and the account is closed. The account status says open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you TransUnion. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX  + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX  + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX  + Balance Decreased by {$4000.00} DEPT OF ED/XXXX  + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account