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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Dear SALLIE MAE ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 FOR 60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I took out a debt consolidation loan at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on Saturday, XX/XX/. A check from my credit union for the amount of {$9500.00} along with a copy of my Barclay 's bill attached to it was mailed to Barclays on Monday, XX/XX/. The check cleared my credit union 's account on XX/XX/. 

When time had passed and I had not heard back from Barclay 's regarding subtracting the money off my balance, I contacted Barclay 's and they began an " investigation '' into the lost check. I was told they needed a copy of the check, so I made an appointment with my XXXX XXXX and sat down and called Barclay 's with the loan officer present. The loan officer sent everything asked for. 

I think I received an email asking for the same info my XXXX XXXX had already sent, so I disregarded it, assuming it was in error. On XX/XX/, Barclay 's added the provisional credit they had given me back onto my balance. I received an email that said I owed them a $ XXXX payment, so I called immediately. 

I spoke with XXXX XXXX did not get number ), and then her manager, XXXX ( XXXX ). They basically told me it was put back on my account because I did not follow through with sending them the front and back of the check copy. So I have to make an appointment with my XXXX XXXX again to get this taken care of yet again. ( My credit union loan officer said they have had issues with Barclays before exactly like this. ) Here 's what I think is going on : Barclays has had close to {$10000.00} from my XXXX XXXX since XX/XX/. They have been earning interest on this from whatever account that money was put into ( certainly not my account... but a general pot. ) So is this is a scheme to make money off interest while sticking their customers and giving them the run around? I don't know, but I know it can not be that hard to track a {$9500.00} check when given a certain string of dates along with the routing n umber it came from and the check number. 

I may never get all this interest they've placed on me back either.
Product: Bank account or service

I hired all state vanlines to move me from XXXX to XXXX in an XXXX wheeler. Gvae them {$1400.00} down. when they showed up on XXXX they were in a rental penske truck ( like a XXXX uhaul ) with another families belongins on it already. I went directly to wells fargo bank across they street and put a stop payment. called all state and they said too bad. I had to leave XXXX of my belongings behind. then i proceeded several times to mail, fax all the documents to wells frago. as of XXXX they are reversing the charges. this is in the handle of XXXX and the attorney generals for consumer fraud. Wells fargo had all the info to make the correct decision and they did not do it. they screwed me too. i am on XXXX and will never be able to replace XXXX out of XXXX pieces of destroyed furniture and they money that wells fargo is reversing will never be able to be repaid.all becuase wells fargo ca n't do their jobs properly
Product: Debt collection

Re : Cease and Desist Collection Activity To whom it may concern, I am writing to formally request that you cease all communication regarding the alleged debt associated with my account ending in XXXX reference ID : XXXX, effective immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop all further contact regarding this matter. I believe that the debt in question is inaccurate and/or not mine. 
Please consider this letter my official notice that you must cease all collection activities, including but not limited to phone calls, letters, and any form of communication. If you do not comply, I may consider taking legal action to protect my rights. 
I request that you confirm in writing that you have received this cease and desist request and that you will comply with my wishes. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was using the online banking for my reoccurring mortgage payment. I had to change the amount of the payment. So i stopped the original payment and reentered the new payment. XXXX XXXX sent both payments. I called them on several occasions to get the funds returned, they said I would have to request the mortgage lender to return the funds. I did request them to do so on XX/XX/XXXXThey returned the funds vis electronic funds on XX/XX/. ( see file first line ) XXXX XXXX refuses to credit these funds, saying that the transfer did not happen. I have proof of the transaction but they still refuse to credit me these funds
Product: Debt collection

Company : New York & CO/ Comenity Bank Account opened : XX/XX/XXXX Date closed : XXXX Original Debt : {$150.00} The account was closed on XX/XX/XXXX, I was behind on my payments since XX/XX/XXXX, i called the company to get support at least to minimize late fees. The operator told me that " they will pause the account, plus a two-month grace period. This agreement was not respected at all, even though the whole world was going through a big crisis/ covid-19 pandemic. From {$150.00} to {$430.00}, that's double the amount to be paid. 
Based on my consumer rights and the New State Regulations against illegal charges this account is time-barred ( more than 3 years since it was opened ). This company has been trying to collect a ridiculous amount, even when i called the bank on XX/XX/XXXX to work things out. Before the pandemic i was never late, i paid on time, and sometimes i paid extra. As a consumer i haven't been treated fairly, excessive fees were eliminated during the pandemic. Governor XXXX passed the bill, and Governor XXXX created the new Consumer Credit Fairness Act of XXXX which protects consumers from scrupulousness debt collectors t ( hat not ONLY harass but make threats ) to damage credit scores if consumers do not comply with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent my first letter requesting verification of inaccurate accounts on my credit profie to EXPERIAN, XXXX, XXXX. 

I then sent a following up later on XX/XX/2022 requesting an investion into these items. To date i have not recieved a response. I also informed all 3 parties that I will be filing a complaint regarding these matters. Based on not recving the results on the investigation requested each bureau is failing to comply with the with the regulations regarding my request
Product: Credit card or prepaid card

I am receiving promotional and account-related information via email for another person 's account. I was assured via several phone calls and a previous CFPB complaint that my email address was removed from the account, but I continue to receive emails. The emails contain information about the account and account holder, such as the account holder 's name, credit limit, current balance, and partial card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE DELETED FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

I have been disputing the enclosed information for over 8 monthsonly to receive the runaround and stall correspondence from not only the creditor XXXX but also the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a loan against my home put on my report by XXXX XXXX XXXX, completely fraudulent. I have fought with them on the phone and via online complaints. They harassed me at work to pay a loan i knew nothing about. explain to me who gives out a loan to someone without even a signature? Was this something online and someone typed in my name and you start calling me at work to tell me I have to pay it? It was supposed to be a loan against my home. To say that there had been adverse complications because of this would be putting it mildly. it has been over six months since my last online complaint, I believe I did it through XXXX  XXXX. And once again this company for tests that their information is true. They have yet to provide any paperwork showing that I ever took a loan out against my home, which was paid off. This is beyond ridiculous that it has dragged on for over seven years. No its not even showing on my credit report and I hear that company has been sold several times. I dont know how to track them down at this point.
Product: Debt collection

ON XX/XX/2020, A LETTER FOR VALIDATION OF DEBT WAS SENT TO CREDIT BUREAU SYSTEMS , INC . ASKING FOR A BREAKDOWN OF FEES INCLUDING ANY COLLECTIONS COSTS AND MEDICAL CHARGES ON 14 DIFFERENT SUPPOSED MEDICAL DEBT ACCOUNTS, A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THEM, AND TO CEASE ANY CREDIT BUREAU REPORTING UNTIL THE DEBT WAS VALIDATED BY ME. AS OF THIS DATE XX/XX/2020, I WAS PROVIDED BY CREDIT BUREAU SYSTEMS , INC. AN ITEMIZED STATEMENT THAT INCLUDED ALL PROCEDURES WHICH WERE PERFORMED, INCLUDING SPECIFIC LABS WHICH IS A VIOLATION OF THE HIPAA ACT. I WAS NOT PROVIDED WITH A STATEMENT FROM THE ORIGINAL CREDITOR THAT WOULD ALLOW RELEASE OF MY MEDICAL INFORMATION TO CREDIT BUREAU SYSTEMS , INC . NOR WAS REPORTING CEASED TO ALL 3 CREDIT BUREAUS. XXXX XXXX IS THE ORIGINAL CREDITOR AND I HAVE NEVER RECEIVED A BILL FROM THIS FACILITY AND I HAVE ALWAYS HAD INSURANCE TO COVER MYSELF AND MY DEPENDENTS TO COVER ALL COSTS.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely effected and my credit score is suffering as a result. No notice of was ever given to me which is also a violation. I am requesting that ALL inquires be removed. 

XXXX XXXX XXXX XXXX, XXXX 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

I wrote Equifax on XXXX/XXXX/20 about two fraudulent accounts on my credit report, and they failed to respond back. Please block And delete these two accounts they are hurting my credit profile. Thank you
Product: Student loan

I am being charged for attending XXXX XXXX where I have NEVER attended. I applied to the school but never enrolled nor attended. I have called and wrote Navient from XX/XX/XXXX until XX/XX/XXXX to validate the charges said that I owe. 

I have asked several times for Navient to validate the said loans allegedly owed to them by providing documentation that I agreed to pay these funds, breaking down an audit of the payments, what school the said money was sent to, proof that I even attended the school ( s ), how was money applied, what was my balance and where is any or all documentation. 

I was verbally coerced into some form of consolidation that would temporarily make my payments $ XXXX monthly while my account is being investigated. However, these amounts are still being reported on my credit report without any proof that I owe the monies.
Product: Vehicle loan or lease

After purchasing XXXX  XXXX XXXX  from the XXXX Toyota in XXXX XXXX XXXX, I have found out that my car was damaged due to a natural disaster. I have reached out to Toyota multiple times to discuss about the Lemon Law but they kept denying my claims. I feel unsafe driving my car. Please feel free to include me if you have any motions against Toyota.
Product: Checking or savings account

I had XXXX until yesterday and made several purchases thursday to sunday which showed in my account and were deducted and account was positive in good standing balance XXXX. Monday i made some checks to some people on which funds were deposited to the other persons account on Tuesday. Today ( tueday ) I checked my business account and is showing an overdraft fee of {$720.00} i also had other deposits coming. The overdraft fees were comimg from transactions that were done on the weekend which at the time the account was POSITIVE and still is ( the account has not been on negative, or they were not showing it ) Today its showing an excessive fee and the way the bank put the transactions were as they were done after the  checks were paid so they could charge me an excessive amount of fees. Is not the first time they have done this to my account. Regions
Product: Credit card or prepaid card

With : XXXX XXXX XXXX XXXX, the Commercial Revolving Charge Card On XXXX XX/XX/XXXX I attempted to use the Online ( website ) portal to pay my outstanding Statement Balance. I have successfully completed payments towards my Credit Card in the past. The outstanding Statement Balance was {$17000.00}, the Website was active enough to permit me select Statement Balance, however when I clicked on Submit Payment it NEVER communicated Payment Successful or Complete. 

I then processed to use the Toll-Free phone number to complete my payment Home Depot Credit Services has the Software Algorithm configured wrong that it permitted the Automated Computer system to Duplicate the ACH electronic transfer of funds and not only zero out my Credit Card Balance but put the card into what they reflect as a negative value ( Over Payment ) of Over {>= $1,000,000} as of the XXXX XX/XX/XXXX. 

Home Depot Credit services does acknowledge this and lets the consumer request a refund but then provides me with the completely unacceptable approach as the solution Thank you for your message regarding your account. Your refund request will be processed on XX/XX/XXXX. Out policy is to have last payment made posted to account 10 days before issuing refund. You can expect your refund check in 7 to 10 days from XX/XX/XXXX to your business address. Thank you for being a valued customer. 

Not only should Home Depot Credit Services Payment Process not be configured to permit such a thing but to NOT USE ACH to return the acknowledged Duplication immediately is unacceptable from an approach of handling Consumers Money
Product: Credit reporting, credit repair services, or other personal consumer reports

After this whole Equifax leak, on XX/XX/17 I sat down to freeze my credit. My complaint is that Equifax STILL CHARGED ME MONEY to freeze my credit meaning that they PROFITED OFF OF THEIR MISTAKE.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts on the fact that they do not belong to me, maybe it's a mistake on the credit reporting agencies part, or it's due to fraud since my identity has been compromised months and months ago. The following accounts I'm demanding to be blocked from my credit report are, # 1 XXXX XXXX {$3300.00}, # 2 XXXX  XXXX {$18000.00}
Product: Credit reporting or other personal consumer reports

I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach XXXX in XXXX, and has not stopped XXXX sent me to XXXX I have never known of them until recently after I sent in my XXXX report. The fraud is attached to my maiden name, I have been married for 29 years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than one person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A sates 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

I have an auto payment with Honda Financial Services. I am not late. I have never been late. I have a 15 day window to make a payment after the due date and utilize this occasionally. I always pay before the 15 day window. I scheduled a payment with a representative for my XX/XX/XXXX payment to be paid ( withdrawn from my bank acct ) on XX/XX/XXXX which is within my window. I have received XXXX calls since XX/XX/XXXX. XXXX phone calls just today. It is harassing and I've asked HFS to stop this. I can not sit on hold upwards of 20 minutes over and over again. I am thoroughly disgusted. I would appreciate any assistance with putting an end to this constant unwarranted harassment. All they have to do is check and will see my payment is scheduled. This is every month for 2 years. I can provide a copy of my credit report as proof I've never once been late paying this account. 

Thank you. 
XXXX XXXX