23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hard enquiries were done on my report without me knowing and i dont recognise any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company, which I did not recognise who try to collect money I did not own. Continue to send me bills ( I did not own ) for a year, took long time for me to find out the address ( they refuse to disclose address ) - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 
The Company, try to collect money, send me response to my letter ( 3 months later ), refusing to answer my request questions about : - why do they think I own debt, and whm do I owe it ; - license number, name, state agency issuing license ; - physical address of the creditor. 
I'm XXXX XXXX XXXX retired XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, XXXX5 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid my notes on time every month. XX/XX/XXXX I received a letter from them, dated XX/XX/XXXX stating that they were closing due to the death of the owner and my loan was sold to American Credit Acceptance in XXXX, SC and that nothing on the loan will change. I also received a letter from the new lender American Credit also dated XX/XX/XXXX stating they got my loan with new account number and nothing is changing and that they will continue to report my payments with the bureaus. Since they took over the loan I started asking about my credit being reported and I 've gotten told several things, they do n't report till the loan is paid off, they have been reporting it, they will check into it, then they said that XXXX motor did n't send them all the information they needed so the credit will never show and the newest one on XX/XX/XXXX is that they deleted the tradeline and my credit will never show on my reports. Since then I have asked for a letter in writing on their letterhead stating that they deleted the tradeline and my credit will never show on my credit, now they are avoiding me.
Product: Debt collection

The company claims that my husband owes them {$84000.00} in student loan debt. The loan does not belong to them, but they are trying to make payment arrangements with us. They have also called and harassed my neighbors and landlord.
Product: Payday loan, title loan, or personal loan

I received a furniture loan on XX/XX/2019. I financed around {$3000.00}. The same as cash loan was for 100 days. If you don't pay the loan off in 100 days, the fee is 105 % of the original loan. This is one of the worst finance companies I have ever seen as far as usury. 

They KNOW that most people can not pay {$3000.00} or whatever they're financing in 100 days then the lease fee kicks in. So I financed the {$3000.00} and I'm paying well over {$6400.00} to pay it off. This is more than TWICE what I financed.

I have been paying this loyally every two weeks and I'm pretty sure I've paid the original amount back and now in the process of paying the high lease fee payments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$14000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account : XXXX XXXX XXXX account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question. 

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. 

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-XXXX is required by the Internal Revenue Service XXXX IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency. 

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : XXXX. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details. 

XXXX. Evidence that the charge-off was reported accurately and within the timeframe allowed by law. 

3. Documentation proving that the reporting complies with the Metro 2 format guidelines.

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported.

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated.

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

Sincerely XXXX XXXX
Product: Mortgage

Please help me prevent foreclosure to my property at XXXX XXXX XXXX which I have owned for twenty years as single woman head of house with no assistance nor help from anyone. After 15 months of continuously contacting my lender Ditech Financial/Green Tree Services denied my application over four times as a request for Special Forbearance and Mortgage per the investor request I have diligent prepared for months and worked directly with XXXX, XXXX XXXX & XXXX XXXX with NO Final Resolution and a unexpected/surprise Foreclosure Notice the day I submitted the final requested XXXX 2015 bank statement on the XXXX/XXXX/2015 the same day I received a notice I was denied plus received from the Attorney XXXX XXXX XXXX XXXX XXXX. foreclosure number. 
During the time Ditech Financial acquired Green Tree Service I was in process of completing the application process. Upon my attempts to make several calls to Ditch/Green Tree Services I have never seen such unprofessional non-responsive after contacting them for 15 months to work towards a mortgage modification resolution. I have numerous home repair issue I have attempt to repair using life savings and canceling insurance policies. I desperately need assistance to save my home from foreclosure as I have repeated called everyday since completing the Request For Mortgage Assistance application. I have the property listed and a buyer wants to purchase but no response from Ditech/Green Tree Services since XXXX XXXX, 2015. My roof is leaking, the foundation is cracking from the drive way unto the garage, my AC unit is not working and I can not afford to have all these items repaired. Again I have not been able to speak with XXXX XXXX my Ditech/Green Tree Account Representative for she is non-responsive plus continues to answer my calls but puts me on hold and returns to address my request for a Short Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX, XXXX. XXXX ; XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I took out private loans with XXXX XXXX to attend XXXX. XXXX lied to me about many aspects of the education, including, but not limited to, quality and cost. I have filed a federal Borrower Defense to Repayment application for my federal loans. I also filed a School Misconduct Discharge application with Navient for my private loans. Navient denied that application just days after I submitted it, simply because my loans had been consolidated. But XXXX XXXX was the one that advised me to consolidate my loans, just a year after graduation. XXXX XXXX has held my loans this whole time- they disbursed them, collected on them, consolidated them into one XXXX XXXX XXXX XXXX XXXX , and continue to collect on them. Yet they denied my School Misconduct Discharge application just because they consolidated the loans that they held. This is unfair and deceptive- XXXX XXXX had ample information about all of the wrongdoing XXXX committed when extending the loans, collecting on them, advising me to consolidate, and now, when I applied for a discharge. It makes no sense that they can now deny my School Misconduct application just because they consolidated loans that they held. I am working on filing an appeal of this denial with Navient.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX poorly installed a security system in the house I was renting without the owner permission. I never signed a contract so they copied and pasted a signiture from another document to a contract. I refused to pay for a non-working no contract system and removed all the hardware and returned all items to them on XX/XX/XXXX which they signed for on a Post Office Return Reciept. They sold the contract to XXXX XXXX XXXX in the beginning of XX/XX/XXXX and never told them there never was a contract. XXXX XXXX XXXX turned over collect ( even after I explained the problems with Prosper Security ) to a collection agency XXXX XXXX. I have provided all this information to XXXX XXXX and they contine to call and herass me. 
I have included a copy of the signed PO reciept and photos of all returned equipment.
Product: Credit reporting or other personal consumer reports

Hi, Equifax is reporting fraud information on my credit report from a 3rd party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop 38 points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit & ALL OF MY CREDIT REPORTS! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. I have uploaded supporting docs. Thank you
Product: Credit reporting or other personal consumer reports

This bankruptcy does not belong to me. I have contacted the courts and they verified the information was incorrect. Experian has yet to correct the issue. This incorrect reporting is detrimental to my well being.
Product: Credit card

This is in regards to Capital One Venture X card. It's a travel credit card, with an annual fee of {$390.00}. One advertised feature is that rewards miles earned on the credit card can be transferred to travel partners, such as airlines or hotel chains. However, they utilize a multi-factor authentication method to prevent fraud which blocks many legitimate users from even getting to the screen where rewards miles can be transferred.

The user is asked for a phone number. The system then tries to bounce the phone number off of the cellular provider to see if the name and address matches. However, this method does not always work properly. I've had my card for about 3 weeks, and it does not work yet. In fact, it may not ever work for me because I acquired my cell phone plan through the organization I work for. I've talked to XXXX XXXX XXXX the cell phone company my organization contracts with, and they say there's nothing they can do at their end to make this validation go through. 

I've talked with Capital One twice about that matter. They keep saying that it's a known issue since this new system was put in place a few months ago. They say there's nothing they can do until their tech people figure it out. They also say that they can not transfer miles over the phone. 

Since this is an advertised feature of the card, it is unacceptable that their fraud prevention methods are blocking many legitimate users from taking advantage of this redemption method.
Product: Payday loan, title loan, or personal loan

I received a supposed line of credit from finance of america and the changed the terms from XXXX % to XXXX   %, the origination fee was to be prorated as money was pulled, they changed it to a hard loan with paying interest on the full loan amount, not money being used. The agent I was dealing with is XXXX XXXX XXXX. I did not close at a title company so they explained the documents. they sent out a notary who had a hurried next appointment who just had me sign sections, so I had no time to read the contract. 
pure fraud changing terms without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Violation to My Rights 15 USC 1681 ( a ) ( 4 ) Violation to the Rights to Privacy. 

To Whom it May Concern : I recently reviewed my credit report and notice that you are in Violation to My Rights 15 USC 1681 ( a ) ( 4 ) Violation to the rights to my privacy. No Written Permission to Furnish Information on my consumer report. This has caused me XXXX XXXX and complete embarrassment. Therefore, I demand this account be REMOVED from my credit report. 

1. You are in VIOLATION of the 15 U.S. Code 1692k- Civil liability. 
XXXX XXXX Bankruptcy Case Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 

Sincerely yours XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified information on my report that are a result of identity theft. The reporting of these information are not related to any transactions by me and is a result of identity theft. PLEASE DELETE following items ACCOUNT NAME : XXXX XXXX XXXX XXXX Routing # XXXX Account # XXXX, Identity Theft ACCOUNT NAME : XXXX XXXX Account # XXXX Routing # XXXX, INQUIRIES PLEASE DELETE ... .XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report today, I was shocked to find unauthorized inquiries, which have left me confused. Normally, everything is fine, but this time, out of nowhere, discrepancies appeared. Refreshing my browser didnt fix it, so I need the documents I've sent to be reviewed urgently. I'm really frustrated and want this dealt with immediately so I can stop worrying.
Product: Checking or savings account

I used my USAA debit card at a XXXX XXXX ATM on XX/XX/XXXX. I attempted to withdraw {$400.00} from my available funds. The ATM gave me an error message indicating that funds were not available and did not dispense any money. 

I immediately pulled over in the parking lot to check my account via mobile banking because I knew I had sufficient funds. My mobile banking app showed sufficient funds but also showed that the ATM withdrawal went through. 

I called USAA and they temporarily replaced the {$400.00} while they investigated. However, they withdrew the replacement money on XX/XX/XXXX citing a finding in favor of XXXX XXXX. 

I requested supporting documents in writing in compliance with their instructions, but never received a response, or my {$400.00}.
Product: Debt collection

I paid them XX/XX/2021 {$700.00} and they are still telling me I owe them an additional {$700.00}. I think they are greedy and rude. They dont care about you, just as long as they get their money. People are sick and not having income, they dont care.
Product: Bank account or service

PNC pulled another stunt today on XX/XX/2016. 
They tried to put some outstanding checks through before my direct deposit went through. 
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}. 
They charged me XXXX overdraft fees of {$36.00} each!! 
I had a positive balance at XXXX on XX/XX/XXXX!
Product: Credit reporting 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX