23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear to whom this may concern : Your company ALDOUS & ASSOCIATES is attempting to collect a debt from me XXXX XXXX XXXX. 

Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

You MUST notify XXXX, XXXX, and XXXX to DELETE this collection of {$320.00} off of my consumer reporting profile in the next 30 days. 

Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Mortgage

I have contacted Quicken Loans several times since my chapter XXXX bankruptcy was XXXX satisfactorily as I surrendered this house to my ex husband. I got my discharge in XX/XX/2020 and have contacted them via phone on several occasions. I have also contacted the credit bureaus and disputed the data. I am no longer financially responsible for this mortgage and my ex husband was making late payments and it is damaging my credit even further than it already is. The next step will be to contact a lawyer for assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems has reported to the credit bureaus a debt on my credit report without first notifying me, and also not providing any information as to an account #, or who this debt is with ... I have no knowledge of this debt and yet its been reported on my credit reports ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION HAS DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 did not authorize ANY CHARGES to the BEST BUY account in question. This is purely fraud and theft by BEST BUY and XXXX XXXXXXXX XXXX XXXX XXXX  DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact BEST BUY and XXXX XXXX  several times to request written proof of this authorization, but they have failed to comply with this request.
Product: Credit reporting or other personal consumer reports

Incorrect payment history is on this report. Please have the creditor XXXX delete report from credit history. 

Incorrect payment history shows a current payment in XXXX yet Closed account in XXXX. Ive filed this dispute and they have refused to delete inaccurate information.
Product: Credit card or prepaid card

I paid for car repairs in the amount of {$2000.00} at XXXX XXXX XXXX XXXX XXXX with my Capital OneCredit Card. I found out they simply painted over a dent when they charged me to fix the dent ( the total repairs were {$7000.00} for a XXXX XXXX XXXX accident ). XXXX XXXX gave me a warranty with the repairs. I told them they charged me for a unibody pull and they did n't perform one, they simply painted over the dent in the right rocker panel. They refused to honor the warranty. I called Capital One and gave them all the documents they requested. Their foreign merchant dispute personnel did n't tell me what they needed, but I provided all required documentation and a merchant second opinion along with a second estimate for re-doing the repairs that XXXX failed to do. Capital one REFUSED to submit my documentation to MasterCard and would not extend the timeframe to dispute due to their own horrible foreign non-XXXX speaking customer service people who messed up the chargeback dispute due to their incompetence. I want to invoke my rights under the Fair Credit Billing Act - I will not pay the {$980.00} I am disputing nor will I pay interest on that amount. I want that {$980.00} removed from my credit card bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.
Product: Credit card or prepaid card

I received a notification that a credit card was opened under my name that I did not open the only information I have was from a text message that said an account from Bread cash back was opened in my name. I did not open the link associated with the message. 
I did report to XXXX and started a fraud dispute
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXXXXXX XXXX  saying information related to the payment on XX/XX/2021 was corrected and updated. The mention the same letter was sent to Transunion but they never had information updated and corrected, several requests were sent nut no correction.
Product: Credit reporting or other personal consumer reports

EQUIFAX is breaking the law. Ive sent EQUIFAX letters and complaints in great detail explaining this. At this point you, at EQUIFAX, are willingly and knowingly violating my consumer rights. The information you continue to report is a discriminatory misrepresentation of my identity. You at EQUIFAX DO NOT have my permission to make reports containing any information from XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX and you must completely remove those two accounts upon immediate receipt of this. 

This is not a dispute notice for you to send to XXXXXXXX XXXX XXXXXXXX XXXX and or XXXXXXXX XXXX XXXX XXXXXXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EQUIFAX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXXXXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account from XXXX XXXX with XXXX on XX/XX/ 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed unauthorized access to personally identifiable information ( PII ), allowing unauthorized person ( s ) access to highly confidential information. 

Prior to notifying the government and public that PII had been compromised, key executives at Equifax divested personal shares, profiting before Equifax shareholders, stakeholders, the public, or government authorities were able to act on relevant information.
Product: Credit card or prepaid card

XXXX XXXX Credit Card Comenity Bank I had a credit card with XXXX XXXX and I found myself in a financial situation where i could not make my monthly payments. I contacted Comenity Bank XX/XX/XXXX to be set up on the Hardship Program. Customer Service Rep. XXXX ' stated for the next 6 months my payments would be {$20.00} automatically debited from my checking account. I agreed and for 3 months all was fine. XX/XX/XXXX I received a letter stating my account has been closed for non payment. XXXX I called the number provided and explained the situation. XXXX transferred my to XXXX who is the Supervisor of Consistency Corner who stated the file would be resolved in 14 days. XX/XX/XXXX - Called & spoke to XXXX XXXX and explained my situation. She transferred me to the Supervisor on Duty, XXXX. He stated no one is answering in " that department ''. He said he would follow up and call me within 48 hrs -- no call. XX/XX/XXXX - Call the XXXX customer service line and was transferred to the Hardship Dept. where i spoke to XXXX. She looked over all of the notes to my account and said that a Supervisor would have to look at my file to correct the charge off. I asked what time frame and she said 4-6 weeks since her supervisor is the only one who can correct it. XXXX-called the XXXX # and was transferred to XXXX. She stated my account is still charged off and the supervisor hasnt had a chance to review it. I asked to speak to the supervisor and she said that she was busy. I asked when this would be corrected and she couldnt give me a time. I asked if i should call back XX/XX/XXXX and she said i could try. XX/XX/XXXX - called the XXXX # and spoke to XXXX XXXX Explained the  situation and she said she would transfer me to the Hardship Dept. She came back on the line and stated that department is saying its not their file anymore. She then said she would transfer me to another dept and was disconnected. Called back and spoke to XXXX who said she would transfer me to the Debt Collections dpt. Spoke to XXXX who told me it was up to me to make payments. i stated I had not received a statement since XX/XX/XXXX and she said well then i should have called. I stated i have and asked if she read my file and she said that they have done all they need to do and that it is up to the Consumer to pay their debts. I told her i no longer wanted to speak to her and asked for a supervisor. I then got transferred to XXXX in Collections and he told me my account was credited back on XX/XX/XXXX and that it is frozen for non-payment. I told him i have gotten the run around and have no statements. He tried to get a statement for me but said it was another dept. I asked if the account was still in " charge off '' status and he said no, its frozen and when the balance is paid off then i could apply to reopen it. I ytold him i would call the department to get a current statement and will go from there. Im frustrated because this account should have never been charged off, no frozen and credited for amounts i have no idea exist.
Product: Debt collection

{$420.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) THE BUREAUS is the company that has it now. 
Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I am going through the XXXX Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, XXXX credit report has fraudulent inquiry of Chase Credit Card dated XX/XX/2018. Chase is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.
Product: Vehicle loan or lease

Santander Consumer USA repossessed vehicle without notice, payment was demanded to retrieve personal belongs, and under the laws of the State of Florida, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX OR XXXX XXXX XXXX.PLEAASE PEMENITY DELETE XXXX XXXX FROM MY RPORTS IS ISNT MY NAME...
Product: Debt collection

In XXXX I bought a business in our mall. It was an XXXX XXXX  XXXX The first year and a half were great. Then XXXX happened and the mall had very little business. We were pulling in on average {$100.00} a day. I didnt have the capital to keep the business up during the hard times, so we had to close. 

I owed a food service about {$16000.00} at that time of which I was served a judgment in XXXX or so. I started paying {$44.00} a week every week. This year XXXX I have the debt down to {$4300.00}. I then received a letter from the collection agency that another {$5000.00} was attached to the judgment for interest. This bumped me back up to {$9400.00}. 

I have already paid about {$23000.00} on a {$16000.00} debt and now when I am close to being paid off, they are tacking on another {$5000.00}. In the letter they sent me that was dated, and post marked for the XXXX of XX/XX/XXXX they offered me a payoff but only if I paid on XX/XX/XXXX. I didnt receive the letter until the XXXX. How can this be right. I was given no chance to rectify this situation. 

Furthermore, six months ago, I called the creditor to try to negotiate a payoff and they wouldnt return my call. Now they wait until they can hit me with all this interest and offer a fake payoff because the date was after the letter was received.
Product: Student loan

I recently received a collections notice from a law firm XXXX, XXXX XXXX XXXX XXXX, XXXX. regarding a private student loan that was taken out back in XX/XX/XXXX. When i became unemployed in XX/XX/XXXX I was not offered any option for a lower payment nor did i receive prior notice that it needed to go into forbearance in order to defer the payments.Today this loan shows as a derogatory on my credit and is keeping me from obtaining the American Dream to purchase a home. Amount owing is {$11000.00} and now faced with a lump settlement in order to clear it off my credit. The loan is 15 yrs. old and I no longer have record of this loan and or have lost my own records. When the loan was taken out originally with XXXX XXXX, my husband XXXX XXXX co-signed for the loan, The current Attorney 's office states their is no co-signor on the loan when originally there was in order to collect payment. I recently contacted Navient to request a payment history made towards the loan and immediately transferred me to the named above attorney 's office where i spoke with two individuals who gave me two separate lump sum offers that would only be good through XX/XX/XXXX. the offers were as follows ; $ XXXX and then {$3300.00}. I told them i needed to get the payment history in order to verify if the loan was mine and the amount owing is correct, they said they would request it but could take up to 7-30 days which then the lump sum offer would no longer be valid, which i feel is ridiculous considering it needs to verified that I even owe this amount before charming me or offering me a lump sum settlement. I honestly hope you can offer assistance regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now XXXX bank XXXX - CARD SERVICES account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but XXXX having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX a XXXX You stop report my credit to experian since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to experian a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX
Product: Checking or savings account

I received a direct deposit of my salary on my WELLS FARGO checking account {$5100.00} on XX/XX/2023. I made few transactions of meager amount on XXXX and XXXX. I found out on XXXX night that my account balance was just XXXX $ and a huge amount of {$2400.00} was deducted by XXXX XXXX which the bank said is a travel agency. I never worked with any agency for any kind of travel bookings. This transaction is pending and WELLS FARGO people didnt be much of help here. I did see few debits and reversal transactions happening on my card for one week and when called bank to issue a new card they didnt ship me a new card yet. Please help!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX XXXX XXXX Account number : XXXX... 
Date of charge-off : XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Debt collection

A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information.
Product: Student loan

I requested a refund from EdFinancial Services about XXXX weeks ago due to the XXXX XXXX XXXX. I have called each week since to verify if the refund request has been processed. In which they, agreed. Each call I was given a longer expected date of refund. However, I believe that refunds shouldn't take longer than XXXX days. I do want to take advantage of this opportunity to get assistance from the government with my student loans.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXXXXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Payday loan

Harassing phone calls about a XXXX loan from 2008 that I never took out. Threatening phone calls at work and on cell phone saying that I will be arrested and prosecuted, or worse. Will not give me address for a debt validation letter, nor a name for their company other than TAG ( Titan Alliance Group ). The call back number is XXXX. The sad thing is that my employer is a XXXX, and that still does n't stop the calls.