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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Request to Remove Inaccurate Personal Identifying information Dear Sir/Madam, My only existing name is : XXXX XXXX XXXX My only existing phone number is : XXXX My only existing address is : XXXXXXXX XXXX  XXXX XXXX. XXXX, MD XXXX Please remove all other names, name variants, phone numbers, addresses, shown on my credit profile and credit report as I have been a victim of identity fraud in the past. I'm concerned they may make me susceptible to identity theft again, also I am entitled to 100 % accuracy under federal laws. 

Respectfully, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently got a title loan in XX/XX/XXXX for {$2500.00} so that I could get school clothes, shoes, and supplies for my XXXX children. I had all required paperwork and documents except for a smog check. It took me about a week or two to pass smog and I had to buy and replace parts to do so. At this time Im pretty crunched for time being that my kids were starting school that next Monday. So I called XXXX with my final documentation to get the process going. The same day I signed all agreements, not really getting a chance to read over anything because XXXX office was closing. After receiving my loan, a representative called me while at work to inform me of my monthly payment amount which is {$400.00} every month and the daily charges. I then asked if I could get a lower monthly payment because Im a single parent of XXXX kids and the representative very bluntly refused and told me that Id already signed an agreement. To make a long story short, none of the representatives ever explained or went over any of the terms and conditions with me at all which I feel is not right at all. This has caused me a great deal of financial hardship. On top of that XXXX had my vehicle towed in XXXX because I did miss XXXX payments but I also called to inform them of losing my job prior to this happening. When I called, the representatives were very rude to me and only cared about the payments even though I notified them of not having any income. I apologize for any inconvenience and thanks in advance. I have already paid triple the amount that Ive borrowed.
Product: Credit reporting or other personal consumer reports

Online Information Service Collection Company Violated My Consumer Right 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates. 
Resulting in a violation fine {$1000.00} Fine Per Account. 

The account " Online Information Services Acc # XXXX '' was removed from my credit profile as agreed. I am Still owned the Violation Fine of {$1000.00}. Paid to XXXX XXXX Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience ( 15 business days ).
Product: Debt collection

This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX US DEPT ED XXXX ( High Credit : {$7300.00} ) XXXX ( High Credit : {$3800.00} ) XXXX ( High Credit : {$7300.00} ) XXXX ( High Credit : {$3500.00} ) XXXX ( High Credit : {$3800.00} ) 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 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

I obtained an updated credit report and there's credit inquiries I do not recognize authorizing. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries, signatures or documents. The credit bureaus will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019 XXXX- inquiry XX/XX/2019 XXXX XXXX- inquiry XX/XX/2019
Product: Vehicle loan or lease

XXXX XXXX sold our loan to BB & T effective XX/XX/XXXX. Our regular payment amount was XXXX and we always pay {$700.00} XXXX XXXX XXXX  voucher had a place to designate the additional payment to principal. BB & T does not have a place on the voucher to designate addt'l payment so we just write it on the voucher. They apply this amount to interest. In XXXX they did not receive our payment ck # XXXX, I was alerted by a collection call, so I wrote another check # XXXX XX/XX/XXXX for {$700.00}. They received it and applied it as {$400.00}, so I received another collection call. I had my bank research it and they told me it had been made for {$700.00} and they credited my statement for {$400.00} and charged me {$700.00}. I told XXXX at BB & T XXXX and sent her a copy of my statement. Then I asked her if she had received ck # XXXX dated XX/XX/XXXX for {$700.00} she said I needed to send her a copy of it front and back so I did. We have also written ck # XXXX XX/XX/XXXX for {$700.00} which has not cleared yet. Since they have not received the correction for ck # XXXX dtd XX/XX/XXXX I made a phone payment of {$210.00} on XX/XX/XXXX. I have been told by XXXX XXXX XXXX if you make your payment by check with a voucher you can not designate the additional payment to principal, only over the phone or online. When they receive the correction for {$300.00} I believe they are going to apply this to interest and I do not have any way to stop them from doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX   XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX  XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Credit reporting or other personal consumer reports

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX ncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX Incorrect Name : - XXXX XXXX ncorrect Name : - XXXX XXXX XXXX ncorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX ( XXXX removed once then put back on my report ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. Any 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: Checking or savings account

Hello I have a business bank account with Bank of America and Ive deposited money into that account from business revenue so far in the amount of about {$14000.00} and on XX/XX/2023 i was no longer able to access online banking. When i called i was told that the phone number that i had on file could not be used to gain access to my account and that they could not help me further without goin to a branch and then on XX/XX/2023 my business debit card stopped working and i called again and the representative told me they couldnt send a code to my phone to verify me so therefore they could not help me and that i needed to go to a branch, they would not tell me why my debit card was not working or why my online banking was not accessible they also told me i should receive a letter regarding my account and a reference code, Ive NEVER received such letters regarding my account besides a bank statement. 
this is absurd and i went to a Bank of America branch with my id credit card and social and was told that they could not help me either and that i had to speak to someone on the phone. So as you can see there giving me the run around i need to access my account to run my business smoothly and effectively this is completely unacceptable for Bank of America at the very least i should receive a letter outlining the status of my account!!!
Product: Credit card

Multiple calls from XXXX and XXXX I believe to get resolutions of my multiple disputes from XXXX XXXX XXXX XXXX and several other merchants. I've done my best to pay my bill on time and I wasn't even able to file a dispute on Discover 's website for XXXXXXXX and I had to go to the store since I have yet to hear anything substantial from XXXX I've made two payments on my Discover card in XXXX and given no warning when I was prevented from calling and that same letter from XX/XX/XXXX was mailed to me this week which doesn't help resolve a dispute. This " executive office '' is horrible and I need help from you. They haven't given their last names so I don't know if it's a robot. This company is horrible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries that appear on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. Despite disputing these inquiries directly with Experian, I have not received a satisfactory resolution.

These inquiries have negatively affected my credit score and, as a result, my ability to secure financial opportunities on fair terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, violating the FCRA.

Experian is required under FCRA 611 ( a ) to investigate and correct inaccurate or unverifiable information within 30 days of receiving notice.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 : The GLBA mandates that financial information can not be accessed or shared without the consumers consent. These inquiries infringe upon my financial privacy.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Experian is obligated to prevent deceptive, unfair, or abusive practices. These unauthorized inquiries represent a failure to comply with this responsibility.
Product: Credit reporting or other personal consumer reports

I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Closed Account is reporting to my credit report two times.It is also reporting negatively to my credit report with has a XXXX balance. It can never have a positive impact or balance. Therefore making unreasonable to be on my credit report
Product: Credit card or prepaid card

On XX/XX/2021, I XXXX XXXX was denied a credit card by Capital One, I received an Adverse Action letter from them detailing their reasons for the denial. The problem is their reasons don not in any way comply with the FDCPA, TILA or the FCRA. I supplied my open end credit card also know as my SS #, still I was denied. I responded to the Adverse Action letter, which was sent by Capital One. To this day they have not responded. My response details their violations of the above mentioned laws and includes the remedies that I seek. The documents were sent USPS certified mail return receipt # XXXX and was delivered on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Cash app account closed my account due to violation of their terms of service I asked for explanation as I do not feel I have done any wrong and this was done in error but I keep getting the same run-a-round all Im asking for is an explanation.What transaction/term of service/
Product: Mortgage

unlawful Foreclosure to my home on XXXX/XXXX/XXXX. We were in the process of the modification. Was never given a proper notice of the of the intent to foreclosure. mislead to believe we were working on a modification. My loan with the bank is considered to be a predatory loan, was never given a fair opportunity to work out a repayment program of the modification. 
The bank had postponed the sale date several times and did not gave me enough time and official notice of their intent to foreclose on my home. 
i appealed the offered approved MOD, XXXX XXXX XXXX, the payment offered was too high, and was never given a response to my request and was pushed to repeat the whole Mod process for a 3rd time to then be put in foreclosure. 
I had already gone through the 3 month trial payment with previous servicer XXXX. 
Please help me with this matter. I have hired attorney spent thousands to not get any good results. 
i know the bank and their servicers are acting unlawful. unfair, misleading ... 
thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXXXXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/scrub>XXXX XXXX XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Student loan

Mohela. I made early payments in XX/XX/2023 prior to payments starting totaling {$4900.00}. Checked my account in XXXX and noticed I placed back into forbearance and called Mohela and was told they didn't know if those payments I made would count towards future payments. Got another noticed that I was forbearance and said I could request a refund. So I requested a refund on XX/XX/XXXX and was told 5 days for refund. No refund in 5 days so I called back was told 30 days. No refund at 30 days. Called back was told 90 days. Sent a complaint to the XXXX got a generic response from Mohela and every letter says that they are trying to collect a debt and are a febt collector. I have a loan that is NOT in default and trying to get a refund on what I paid ahead since I was originally told they didn't know how those payments would count towards future payments. One would think logically that those payments would be applied towards future payments, but when speaking on the phone with them they kept telling me I would owe in XXXX even though I had paid enough not to have a payment until XXXX originally not knowing I had been placedin forbearance until the end of XX/XX/XXXX., but since in deferment those payments would have counted from XXXX to XXXX and payment due in XXXX. They have no clue what is going on and sent letters stating they are trying to collect a debt. This is absolutely ridiculous. They say 60 days for refund is it XXXX business or calendar days and why can't they just give a date??? And refund inba timely manner. XXXX days is not timely.
Product: Debt collection

XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX. I request that XXXX XXXX XXXX, XXXX cease and desist all communication with me. XXXX XXXX  is mailing me document that I DID NOT REQUEST. I have attached the documents. I have not file for identity theft/fraud. I AM NOT PAYING XXXX XXXX. I did not agree to pay them verbally or in WRITTEN. I have not signed a contract with XXXX XXXX to pay the {$680.00}. XXXX XXXX can not provide proof that I signed and agreed to pay them for a debt. XXXX XXXX is reporting incorrect or inaccurate information on my Transunion and XXXX credit report. THE COLLECTION ACCOUNT is REPORTING AS A " OPEN ACCOUNT ''. A COLLECTION ACCOUNT SHOULD NEVER REPORT AS A " OPEN ACCOUNT ''. THE BALANCE SHOULD BE ZERO. My credit reports say {$680.00} dollars. Which is inaccurate because XXXX XXXX is asking for {$680.00}. A COLLECTION ACOOUNT SHOULD NOT HAVE AN AMOUNT EITHER. XXXX XXXX  IS NOT FOLLOW THE LAW of 15 U.S code 1692. I am KEEPING and COPYING ALL MAILED DOCUMENTS XXXX XXXX  MAILS TO KEEP ME for the CFPB.