23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account date opened XX/XX/XXXX by Foster & Monroe LLC at an amount of {$15000.00}. This report was not on my credit history before this time. I did contact Foster & Monroe about this on XX/XX/XXXX. I was met with hostility of an employee named XXXX which by the end of the phone call he just hung up. I could not get much information from him due to this. It was stated I got a loan from XXXX XXXX but not stated when. He also informed me there was a judgment in XXXX in XXXX. This I was never made aware of nor was served papers for. I could not get any other information from him because he started an argument and threated legal action towards the end of the conversation before hanging up on me.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my account as closed. XXXX is reporting my account as closed. 
Equifax is reporting my account as OPEN. 

I told all XXXX credit agencies to remove the account because Equifax is not the same. Its been open for over 8 months after the account was closed. 

Equifax is cheating me. They wants to close the account instead of removing it from my credit report. I have proof of everything. 

The account is XXXX XXXXXXXX XXXX loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for a WF credit card on XXXX for a {$200.00} bonus by charging {$500.00} in 90 days. I was denied with a credit score of XXXX, no debt, personal home paid for, $ XXXX month income and more than XXXX in savings products. The reason for denial is " ration of credit to debt is 0 '' which makes no sense. I want the card to replace one that I have only the WF card has no annual fee and I have an annual fee with XXXX  XXXX XXXX XXXX I feel I am being discriminate against because they feel the only reason I am applying is to get the bonus. It shouldn't matter why I am applying if I qualify and giving a " non reason '' for a denial isn't appropriate.
Product: Debt collection

XXXX XXXX XXXX XXXX was contracted by me for yardwork and lawn upkeep. I made an arrangement to pay of every other week. I paid by US Postal Money Order several times and once by personal check. I NEVER RECEIVED ANY KIND OF BILLING STATEMENT ; NOR WAS I GIVEN A PROPER DEBT VALIDATION IN WRITING PER THE FAIR DEBT COLLECTION ACT. 

In the meantime, the property my sister inherited ( the family home ) was foreclosed and we had to vacate the premises. We never received any kind of written communication whatsoever from XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Iowa filed a garnishment against my XXXX XXXX XXXX checking account through the lawyer for my mother 's estate despite the fact, that that attorney, XXXX XXXX XXXX, practicing law in XXXX, Iowa is in Conflict of Interest because he represented the Estate and the Guardianship at the very same time he represented the Credit Union that held my late mother 's Home Equity Loan note. XXXX had no problem communicating with XXXX XXXX XXXX which said company can not find its way to XXXX   County District Courthouse ( XXXX  Iowa ) but could find the way to a courthouse in XXXX XXXX ( mid-state Iowa ). 

I want the alleged debt validated -- to show what I have paid and exactly what is owing and the garnishment lifted from my checking account because I am taking care of an invalid and need the funds.
Product: Credit reporting or other personal consumer reports

Dear HEIGHTS FIN, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that HEIGHTS FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for HEIGHTS FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that HEIGHTS FIN immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that HEIGHTS FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Somebody took out my money {$9700.00} from my business bank last week XXXX/XXXX/2016 without my permission.
Product: Money transfer, virtual currency, or money service

paypal closed my account in the month past of XX/XX/XXXX XXXX no reason and will not help me with getting it back up and going i am not sure if there is some mistake as i assume it has to be i have not been able to get help feom six months, i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used paypal guide frequently my email linked to my paypay is XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX, XXXX  I have not been able to get the credit card companies to correct my address and phone number on my account. Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful non compliance. The address are where I do not live are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The phone number are : { XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX I don't know who these numbers belong to so I am asking them to delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.
Product: Student loan

I've been unemployed since spring of XXXX because of the pandemic. I still have student loans from attending college in the late XXXX. Student loan borrowers were supposed to be given automatic deferral during the pandemic. 

Navient continued demanding payment as usual and unexpectedly withdrew my monthly payment in XX/XX/XXXX per autopay, causing me significant financial distress at the worst possible time. They later agreed to reverse the payment and put me in some kind of forbearance, but never clearly explained how long it would last or when I would have to start paying again. They claimed they weren't bound by rules made to help student loan borrowers during the pandemic. 

Navient suddenly began demanding payment again in XXXX of XXXX even though the pandemic was still raging and I was still unemployed. I found out about their demand when I was charged a late fee. I asked for additional relief because of the pandemic and they refused. My only options were 1 ) use up my few remaining months of regular forbearance and then begin making payments again somehow despite having hardly any income, or 2 ) pursue a consolidation loan so I could have additional forbearance opportunities, which they encouraged me to do. After some research I learned consolidating would cause me tremendous financial harm because, while my current loan 's remaining balance can be forgiven under XXXX after a couple more years of public service, consolidating would wipe out all my past payments qualifying for XXXX. 

Navient totally ignored their obligation to address the unprecedented hardship the pandemic caused student loan borrowers like me. They kept putting the squeeze on me demanding payment and charging late fees while my family faced some of the scariest times in our lives. Believe me we already had plenty to worry about! If I had less savings and family support Navient 's opprobrious behavior could easily have caused me to go hungry and/or lose my home. Navient also tried to steer me into wiping out my ability to soon qualify for XXXX.
Product: Student loan

I recieve a loan from XXXX on XXXX 
Could not understand there on line classes and dropped out the next week they did not dismiss my load until XXXX   Not i am resposable for repayng the entire course. {$7000.00} I feel i should not have to pay for this couse because i dropped out the first week. This has been a total scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, someone tried to open a XXXX XXXXXXXX XXXX XXXX  under my name and Social Security number. And how I found out about this issue is when XXXX XXXX called me that same day, and asked if I opened up a XXXX  XXXX XXXX XXXX, which was a Hard Inquiry onto my Credit Report. So I immediately informed the XXXX XXXX customer support that I was not the one that applied for their credit card. Customer Support immediately blocked/locked that application/account and told me to call them back in the morning as I just got to work when they called me. I called immediately called back the next day and spoke with another XXXX XXXX customer support, and thankfully enough, there was no account opened up under my name and social security number. The customer support did inform me to contact All 3 Credit Bureau 's, to inform them that I contacted XXXX  XXXX and that they do not have any information under my name and social security number, in order to delete/erase that Hard Inquiry onto my Credit Report. I have contacted XXXX already, and they have deleted the Hard Inquiry. However, Equifax and XXXX need proof of information from me, in order to delete/erase the Hard Inquiry. Please help me out with this issue as I do NOT want this on my Credit Report, as my scores have decreased because of this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX VERIFICATION OF DEBT Re : Account # XXXX Dear XXXX XXXX XXXX Division I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt.

I have also attached a copy of my Equifax credit report in which you are fraudulently reporting.

Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
Do Not contact me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

Sincerely, XXXX XXXX XXXX Certified letter XXXX Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours : 
Mon., Tue., Th., Fri.:XXXX XXXX XXXX XXXX
Wed. :XXXX XXXX XXXX
Sat. XXXX XXXX  XXXX XXXX  Drive-Thru Available
Shared Service Center Location Mailing Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Send Us A Message Shared Branching Locations Find Thousands of Shared Branching Locations Nationwide Call XXXX ( XXXX ) Visit XXXX XXXX XXXX to find a Shared Branching location near you. 

Report Lost / Stolen Visa Cards Available 24 Hours Lost/Stolen Visa Debit Card : XXXX XXXX Forgotten Debit Card PIN : XXXX XXXX Lost/Stolen Visa Credit Card XXXX XXXX XXXX ATM Locations Find aSurcharge-Free ATMnear you. 
( Select Full Service/Deposit to find deposit-taking ATMs near you. ) Credit Union Call Center Hours : Mon., Tue., Th. :XXXX XXXX XXXX XXXX Wed.:XXXX XXXX XXXX XXXX Fri.:XXXX XXXX XXXX XXXX Bill Pay Help Line Visit XXXX Access Online Banking Choose Pay Your Bills Phone : XXXX XXXX Bill Pay Support Hours Monday Friday:XXXX XXXX  XXXX ( EST ) Locate and Contact Us In your area XXXX - Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours
Product: Credit card or prepaid card

On XX/XX/XXXX, made purchase at restaurant. During this time, used XXXX voucher for {$80.00}, and presented to merchant at time of payment. Merchant failed to apply voucher and charged total amount to card. Shortly thereafter, I filed dispute with card company, which advised I should provide voucher, which I did. They then credited my account. However, in early XX/XX/XXXX, I received notice that disputed amount was reversed, and I provided a rebuttal. Rebuttal again included a copy of said voucher and suggested that I did not agree to amount because the receipt for purchase was not signed. I have not received any notice from card company of resolution.
Product: Credit card

Advertising and marketing, including promotional offers ( I do NOT want any communication from Discover. I called multiple times and asked them to cease ALL communication with me the beginning of XXXX. It is now the XXXX of XXXX, and I am still receiving mail from them which is harassment. Each time I call in, they inform me that the communication will cease but to " forgive them '' if I were to receive any recent communication as it may have already been processed. I don't want to contact opt-out services LLC because I do want promotions from other companies, just NOT Discover as it's my right to not receive communication from them specifically. Discover is the ONLY credit card company that has ever canceled with me and they did this around the start of the pandemic. Their decision and unprofessionalism when calling in trying to resolve it, had a negative impact on me and my credit scrore alike. Though I am not legally obligated to provide a reason for my request to have no communication with them, I decided to. )
Product: Credit reporting or other personal consumer reports

Date of XXXX Delete!! 


Unathorized inquiry XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX  XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX help finan Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 




i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX I was opened the new account named XXXX XXXX  until linked into the account they quickly closed my previous account for no reason. I was extremely innocent and have no idea whats going on, I didnt have done fraudulent. I decided to open new account from online, unable to the new account : Wells Fargo and XXXX. yesterday XX/XX/XXXX I went to enter the branch Wells Fargo, I decided to open the new account until banker told me " unfortunately, I am unable to open the account itself system inform him ''. I was leaving the branch and contact them through customer service. they felt like I am the bad business with them. I was very innocence and don't do anything wrong I feel like they accused me of something with account like they suspected about frauldent activity I am not doing that. they kept accused me of something. I have right against them, they must to paid me {$900.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, GINNYS, XXXX XXXX XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as anew evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these  credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I got a letter from XXXX. They say I owe a debt on a membership from 1986. Yes, believe it or not, 1986!!!! I told them I do not have a XXXX. I have n't had a membership to a gym in years. As soon as I was dumb enough to call them from the letter, they got my phone number. They call me XXXX or XXXX times a day. I asked them what was the amount of the debt and they tell me XXXX that is current. I say ... current from 1986? These people continue to fish for more and more information. I am actually scared these people will continue to try to get info from me and try to get more info and use it against me. 

ABC FinancialXXXX XXXX XXXX, AR XXXXXXXXHow can we stop them? What are my rights?
Product: Checking or savings account

I called the Bank of America on XXXX about my missing credit card ending in XXXX. I also disputed a charge. But on XXXX XXXXXX/XX/2023 the agent did not dispute the card card charge. Also, the information was not passed on to the Manager like requested. 
This bank refuse to response or phone calls. I was told that my phone number had been spoofied and that is the reason the calls are not being completed. 
My safe deposit box has been entered without my permission or a court ordered. XXXX refuses to fix the problem and fail to document the problem. 
The Bank in XXXX Texas has many issures that has not been address. 
My husband just told me all the items that is located in my safe deposit box and his name is not on the box. But he had posession of the key. 
This bank needs to be shut down due to theift