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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unverified accounts without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX XXXX : {$560.00}
Product: Student loan

I can not get information on who owns my student loans. I have not paid on them since XXXX when I became ill and dropped out of school, and yet I still get notices from NelNet. Throughout the years I have had them deferred. I have been very ill and in XXXX came down with XXXX that I am still dealing with the after effects. 

My student loans should have stopped in XXXX. 

I do not know who owns them or how to get that information. 

I need to have the student loans removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, Experian, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to Experian, XXXX, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$820.00}
Product: Checking or savings account

Wells Fargo charges overdraft fees that I already paid XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I requested verification of the debt from the debt collector as well as for itemized breakdown of procedures and cost of care and also to include a copy of my wet signature stating that I gave authorization to release my medical records to a third party. In my opinion I'm pretty pretty sure it is a violation of HIPPA laws for them to obtain my medical records. I did inform the that they were in violation and that I may have to take action. Plus have reason to believe that the Account numbers are wrong too. 

The total cost of the debt is {$1000.00}
Product: Credit reporting

I properly disputed invalid data at least four times and Equifax continues to reinsert this invalid data after deleting without notice. 

After this, I disputed directly with Equifax the FCRA 611 ( a ) ( 5 ) ( B ) reinsertion with no notification violation and the FCRA 611 ( a ) ( 5 ) ( C ) their inability to maintain reasonable procedures designed to prevent the reappearance violation. Equifax responded ( XXXX ) the address was not reporting. 

I 've subsequently disputed this invalid data 6 times. Equifax continues to reinsert it with willful intent despite my attempts to have it excluded. It continues to appear in my consumer file.
Product: Credit reporting or other personal consumer reports

I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the account listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. US Bank took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to XXXX even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to US Bank which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Myself XXXX XXXX and my wife XXXX XXXX were stationed at XXXX XXXX XXXX with the XXXX XXXX. I am still currently XXXX. We rented a house from XXXX XXXX XXXX located in XXXX XXXX, XXXX on XXXX. The address of the property was XXXX XXXX XXXX XXXX, XXXX XXXX. Upon receiving orders to our current duty station at XXXX XXXX, XXXX I gave XXXX the proper notification and established an appointment for a move out inspection for XX/XX/XXXX. The move out inspection was completed and signed by both parties to include XXXX XXXX XXXX. approximately 35 days on XX/XX/XXXX I received a bill from XXXX   XXXX XXXX for {$1600.00}. The damages from the Move-out inspection agreed to by XXXX XXXX XXXX would entitle me to {$800.00} of my initial deposit. The bill for damages did not arrive until XX/XX/XXXX which exceeds the 30 day limit by XXXX XXXX. Due to XXXX  exceeding the time line of the damages XXXX XXXX  states I am entitled to 11/2 times the deposit in damages by XXXX. The amount billed by XXXX  of {$1600.00} was in addition to XXXX XXXX XXXX withholding my initial security deposit of {$1900.00}. I first contacted their financial department with a letter disputing claims due to the close out inspection which is including in their contract. After they replied with pictures and ignoring the closeout inspection and including damages that were caused due to XXXX  workers that were hired to fix work orders and. I then contacted a JAG Lawyer Captain XXXX XXXX from XXXX XXXX XXXX who decided to provide legal assistance. CPT XXXX also called, emailed, and sent a letter to emerald property to include all evidence that proved XXXX XXXX to be erroneous in their attempt to collect on the debt. XXXX XXXX XXXX then sent the debt to collections without notifying me that they were going to do so or contacting Captain XXXX. I received a letter from Hunter Warfield Debt Collections  on XX/XX/XXXX. Captain XXXX XXXX then had to write a letter to Hunter Warfield stopping the collection under the fair Debt Collections Act. All evidence provided XXXX XXXX XXXX fails to address the correlation between the move-in and move-out inspection which violates their own contract which requires a move-out inspection which requires both parties to agree upon damages.
Product: Debt collection

On XX/XX/2020, I had called XXXX XXXX XXXX Customer Service, spoke w/ Mr XXXX XXXX I told him to please cancel my XX/XX/XXXX) Account number XXXX and which he proceed with my request, had canceled my account. 
After paying OFF my last billing with my XXXX XXXX XXXX XX/XX/XXXX account, I was shocked to received XX/XX/2020 billing statement stating that I still owe my XX/XX/XXXX) account in the amount of {$82.00} so I had immediately contacted XXXX XXXX XXXX Customer Service, I spoke w/ Ms XXXX XXXX she assured me, she will update my account appropriately. But she had failed to do so. On XX/XX/2020, I had mailed my 2nd Dispute letter regarding this already paid services, But to no avail from XXXX XXXX XXXX. On XX/XX/2020, I had contacted XXXX XXXX XXXX Customer Service in the hope to RESOLVE this problem. But instead Mr XXXX instructed me to contact XXXX Customer Service Directly to update my XXXX XXXX XXXX XX/XX/XXXX Account. Per Mr XXXX at XXXX Customer Service said he will fix and update my account and he will mail me a copy of final billing statement dated XXXX XXXX reflecting XXXX $ XXXX XXXX ) balance and I had immediately notifiedXX/XX/XXXX by telephone and via U.S. Mail letter, both were ignored by XXXX XXXX XXXX. Instead of updating my account balance was paid in full, XXXX XXXX XXXX referred my account to SEQUIM ASSET SOLUTIONS, LLC ( Debt Collector ). I had replied to their demand letter of XX/XX/2020, simply ignored the fact that is account had been paid in full and had a XX/XX/XXXXbalance. Recently, I just received another demand letter from SEQUIM dated XX/XX/2020 and once again did NOT response to my Dispute letter of XXXX XXXX. 
I am totally stressed right now created my XXXX XXXX XXXX and SEQUIM Asset Solutions, LLC Please advise Thank you and Happy Holidays!!!
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I mailed a cashier 's check. # XXXX for {$19000.00} to XXXX XXXX, overnighted by XXXX. I received a call from a XXXX XXXX representative on XX/XX/XXXX stating they received the cashier 's check ; however, I had an additional {$550.00} in property taxes that needed to be paid ( which was totally unexpected ) but I paid online through my Michigan XXXX XXXX XXXX bank account the same day. Now after this payment they said that I would have to wait up to 15 days to receive my title in the mail. Well that date would've been XX/XX/XXXX. Yesterday I received a call from XXXX XXXX and the representative asked had I decided what I wanted to do about the vehicle? Did I want to turn in the lease or did I want to purchase vehicle? Needless to say, I was flabbergasted. I told her I had already purchased the vehicle. Then asked her does she not see the funds on my account? She indicated seeing the {$550.00} for property taxes posted but she did not see the cashier 's check payment of {$19000.00} posted to my account. So after going back and forth with her I hung up and called my bank. Michigan XXXX sent me over a document proving that the cashier 's check had been reconciled as of XX/XX/XXXX. So I called back, spoke to a finance supervisor and told her that I have been given a copy of the endorsed check by my bank noting it was cashed XX/XX/XXXX. She said that I should fax it over and they'll try to find the monies. I did that. Well then they said they had posted it to the wrong account and now they're going to correct the matter. But since payment is going to post after XX/XX/XXXX now I have an additional {$21.00} to pay.? XXXX $! Grudgently, I went online to pay that. Today, XX/XX/XXXX they're saying it still hasn't posted to the account. Once payment posts to the account then 5 to 7 business days after they can close the account. Once account has been closed then wait up to 15 days to receive my title in the mail. Nothing else I could do about it but wait. I have a problem that wait. I have a problem with the fact that I had to pay the extra {$21.00}. I have a problem with the unexpected required payment of {$550.00} in property taxes. I have a problem with them mishandling my {$19000.00}. I only have one account so how was it even applied to another account if not one of mine. The finance supervisor insisted no way to get immediate assistance and there's no one I can talk to in the accounting department. Which is the dept that is now going to finalize my account but won't handle it expediently. So this is my complaint and it's outrageous, unprofessional and unacceptable. What can I do about this? I need to have my issue resolved. Someone should be able to help. Pay, wait, pay, wait, pay, wait and wait some more is not working for me. I have other business pending that I can't move forward with until I get the lien release from XXXX XXXX. Please help me!!!
Product: Payday loan

XXXX/XXXX/16 EFT-SPOTLOAN/8886816811 ( {$96.00} ) in connection to complaint made under Case number : XXXX ]. A requested was made for Spotloan to process full pymt of balance. 
They draft only the minimum again. They used a method for me to believie they will waive the balance due as a good customer. It was a marketing tacit for monthly payments. I requested spotloan via e-mail to draft the full balance to have them stop drafting my account with interest and fees. This process only get them ungodly interest and fees not going towards the loan. The request was not process drafting only the min due. e-mail forward to : From : Help at Spotloan XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX XXXX " Request to post full balance of due ASAP, stop with the text procrastinating with the text. Process full payment due ''
Product: Checking or savings account

On the morning of XX/XX/year> my phone was stolen. The person who stole my phone was able to change my email account password and XXXX ID account password and got full access to all of my financial account information without my permission. The individual who stole my phone transferred {$3500.00} out of my Wells Fargo checking account into XXXX XXXX. The person also withdrew {$180.00} cash from an ATM and sent XXXX separate XXXX transactions, XXXX for {$80.00} and another for {$62.00}. All of these transactions took place on XX/XX/XXXX and XX/XX/year>. Finally, they purchased a XXXX gift card for {$25.00}. 

I was able to report the fraudulent activity and open a claim with Wells Fargo on XX/XX/year>. 

On XX/XX/year> I was told that Wells Fargo had completed their investigation and had denied my claim. I was told that denial was related to the use of biometrics information on my phone to access the stolen funds.
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX  This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. Citibank Fraud can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to Citibank Fraud Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXXXXXX? usp=share_link This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to fix this issue with Equifax for XXXX years now with them reporting incorrect information on my credit file information being removed and they refused to fix the issue telling me its a glitch with the system. I had to shut my account down XXXX to hope and pray to get the issue fix they have someone else social security number under and account thats not mines in my information as you will see this in my report and when I contact them they tells me they dont se it this is a major violation of my rights. 

Ive enclosed the pictures of the wrongful information showing up on my report as in my social security number and all the accounts thats not mines and Ive also added my drivers license and social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corporate business accounts with XXXX XXXX showing on personal credit report.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote XXXX, XXXX, and Equifax credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.
Product: Debt collection

The Pinnacle Credit Service, LLC sent me the debt collection of the phone company name XXXX the phone company I never use or deal with
Product: Credit reporting or other personal consumer reports

I have submitted several disputes requesting that my personal information be updated, yet my credit report still reflects outdated and erroneous details. Despite my efforts, the necessary corrections have not been made.

I kindly ask Experian to please update my credit report with the correct information as soon as possible, as this is affecting my ability to manage my financial affairs accurately.
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries 1 ) XXXX XX/XX/2023 2 ) XXXX XX/XX/2023 3 ) XXXX XXXX XX/XX/2023 4 ) XXXX XXXX XX/XX/2023 I do not recognize them and they might be fraudulent I've contacted the FTC which directed me to the CFPB As of now, they are not attached to any new accounts so no need to add a credit freeze Thanks