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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : SYNCB/Amazon XXXX  XXXX XXXX XXXX, FL XXXX RE : The following inquires needs to be removed immediately. 

Creditor Name : SYNCB/Amazon Date of inquires : XX/XX/2018 Date of inquires : XX/XX/2018
Product: Student loan

I have a student loan that has been serviced by Great Lakes. 
In XX/XX/XXXX, my income driven repayment application was approved, and on XX/XX/XXXX, I made my first payment under IDR.
In XX/XX/XXXX, I submitted documentation that I work for a XXXX XXXX.
In early XX/XX/XXXX, I renewed by income driven repayment application. On XX/XX/XXXX, I received confirmation that I was approved. 
On XX/XX/XXXX, I made a payment of {$500.00} to Great Lakes. 
On XX/XX/XXXX, I got a notice from XXXX XXXX XXXX that they were now my servicer and that my account was delinquent. Evidently, when they transferred my loan from Great Lakes at the end of XX/XX/XXXX, they failed to transfer my last payment to Great Lakes. They also did not transfer any information about my income driven repayment plan. 
I have repeatedly contacted Great Lakes and XXXX to find out how I can get my balance to reflect my XX/XX/XXXX payment. As it stands right now, my account is showing up as delinquent, even though I made a payment in XX/XX/XXXX. In addition, they 're claiming I 've only made 7 qualifying payments under PSLF, even though I 've been making payments early ever since going on the IDR plan. Every time I talk to XXXX, I get a different, albeit not helpful, response. No one seems to know where my last payment went and when it will be reflected. I am being penalized for XXXX 's mistakes.
Product: Credit reporting or other personal consumer reports

**Please disregard my previous submitted complaints due to a typo error - ID FOR COMPLAINT SENT TO XXXX XXXX REPORTING AGENCY XXXX |ID FOR COMPLAINT SENT TO XXXX XXXX |ID FOR XXXX SENT TO EXPERIAN CREDIT REPORTING XXXX I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the hard inquiries that I know are inaccurate and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

after seeing my credit report i notice items that were not mine on there and filed an identity theft report with my local police station for transunion on XX/XX/2019 and attached 23 of the 60 plus items on there.i did not authorized these items to be there
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter in the mail from Citizens Bank stating the account I opened was over drawn extremely and I never opened an account with their bank. I reported this issue to them who referred me to this website.
Product: Credit reporting or other personal consumer reports

I took a mortgage with XXXX XXXX in XXXX ; I filed XXXX XXXX Bankruptcy in XXXX and the mortgage debt was discharged, but the home was retained by my then-spouse. Over 10 years has passed so the bankruptcy no longer shows on my credit report. However, the loan servicer changed hands and the mortgage is now owned by Shellpoint Mortgage. Shellpoint is reporting the mortgage debt on my credit report as a debt I owe. This is false. I am not legally liable for the debt since it was discharged in my XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I routinely check my report, but this time, there were errors that appeared unexpectedly. I attempted to refresh my browser, hoping it was just a display issue, but the inaccuracies persisted. Because of this, I am requesting a careful examination of the documents I have provided so that I can put this concern behind me for good.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquiry in my credit report XXXX XXXX XXXX.Please remove
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file. this is my 2nd attempt to delete all invalid data. none of the information processed is valid on all 3 credit reports. please review an remove the information filed asap.
Product: Credit reporting or other personal consumer reports

This company is violating my rights, I've asked them to update credit report since 2024 and still reporting inaccurate information and it's damaging my hard earned credit report this is a major violation of credit rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

funds I put in checking account is not adding up. I invested money in cd 's and money market account and some disappeared, also never received a quarterly statements about my accounts in two years.
Product: Mortgage

I refinanced with the same Mortgage company ( Quicken Loans ) in  XX/XX/2020. My first refinanced payment was due XX/XX/2020. I was already previously set up on Auto Pay and when the new refinance happened was under the impression that the Auto pay would in fact continue.I am currently since XX/XX/2020 set up on Auto Pay. However the auto pay did not transfer and i have called and spoken with XXXX & XXXX in Consumer Relations and they said to me that the 30 day late was valid and would NOT do anything to adjust this error.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted : XXXX ) XXXX XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX ) XXXX XXXX  XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$22000.00}. 

XXXX XXXX XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$3900.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 

XXXX ) XXXX  XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 

XXXX ) Collection account from XXXXXXXX XXXX with account # XXXX and a balance of {$35000.00}. The original creditor is XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One Bank Usa reported information on my XXXX report on XX/XX/year>2024. Says account has been charged off for the amount of {$580.00} Capital One has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

Sears called to try to collect on an outstanding debt. I have consolidated my debt with XXXX and per them did not answer the phone. On Thursday XX/XX/XXXX, Sears collections called my ex husband about the debt. During this conversation they stated to my ex husband the company that I work for. I have been divorced for over 13 years, this debt was made after the divorce. They had no right to tell him where I work. I have no idea how they even got his phone number. He reached out to our daughter to let her know, she was able to get the phone number from him and it was the same number that had called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 registered letters to Equifax, XXXX and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion Equifax opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if Equifax contacted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.
Product: Credit reporting or other personal consumer reports

Experian CREDIT REPORT : Account details : XX/XX/XXXX XXXX Original creditor : - Company sold : - Account type :XX/XX/XXXX Monthly payment : - Date opened : XX/XX/XXXX Open/Closed : Closed Status : Repossession. {$12000.00} past due as of XX/XX/XXXX Last payment date : XX/XX/XXXXMonthly payment : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits of SSN : XXXX RE : Account Number : XXXX / VIN Number : XXXX To whom it may concern, I am writing to address the subject of the aforementioned accounts and transactions to remove inaccurate credit information. 

As you are aware, the vehicle in question was repossessed by XXXX XXXX XXXX in the State of California on or about XX/XX/XXXX, and subsequently resold shortly a couple months after that. 

It is imperative to note that in accordance with the laws of the State of California, specifically UCC 22600.3, as well as State RISA and MVISA statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate.

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold.

1. The complete original alleged promissory note that shows my signature.

2. The account transaction history 3. Any required defaults or acceleration notices 4. The notice of sale document 5. The calculation of Surplus or Deficiency letter 6. Any additional finance contracts 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required the sale that allows you to hold on a promissory note Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 


Sincerely, XXXX XXXX
Product: Payday loan

I am now getting harassing emails on top of the phone calls. 
Here is the latest email : Loan/Debt information Reference No : XXXX Due Amount- {$970.00} Loan Company/Lender- ACE INC. 



We are here by to inform you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. 



XXXX XXXX XXXX XXXX Has Stated XXXX Serious Allegations Against You And They Are : ( 1 ) Violation Of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft By Deception ( XXXX ) And The Biggest One Is E.F.T. That Is Electronic Fund Transfer Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 



WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 



And once you found guilty into the court house than you have to bear the entire cost for this law suit {$4200.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you. 

We believe that this was not your intent and that these steps are unnecessary. 



We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 



IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON XXXX OFFICER XXXX XXXX, ACE ATTORNEY Copyright 2006 XXXX | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communication Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my quarterly credit report, I've observed that my charge off with XXXX XXXX still maintains a balance. Further investigation revealed that when an account is charged off with XXXX, Experian, and XXXX, it should indicate a XXXX balance. Since this debt has been officially written off, I kindly ask for your cooperation in updating the balance to {$0.00} with XXXX, Experian, XXXX, and XXXX XXXX. It is incorrectly effecting Debt to Income Ratio ( DTI ). 

Additionally, I have made multiple requests to XXXX XXXX for a 1099-C, as required by the IRS when a debt of {$600.00} or more is charged off. Despite this, I have yet to receive the necessary documentation. Furthermore, I've requested a comprehensive payment history leading up to the debt 's write-off, as well as a copy of the terms and conditions at the time of charge off. 

Your prompt attention to these matters would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card

Company posted the payment due and date due. I paid it. Next day they posted another payment due. I asked them why and they said because I posted my payment on last day of the cycle, so they posted it as an " extra '' payment for previous month instead of current due payment. Now they insist I still have to pay for this month. Which make my monthly payments paid almost double. This is not the first time this has happened. Why did they post the payment as due if it was to early to pay it and get credit for it? They posted the payment ( monthly statement ) of {$100.00} due on XXXX XX/XX/2024 and I paid it XXXX XX/XX/2024. Next day I logged in and see another payment due and this time {$87.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I verified my credit score with Equifax, and at that point in time, my score was XXXX. Today, XX/XX/XXXX, as I'm checking my credit score, I see that it changed from XXXX to XXXX. I have not had a single late payment in over a decade, closed accounts, opened new ones nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is unethical abuse from Transunion and they should re-establish my credit score back to XXXX. Please feel free to contact me if you need anything from my end. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Trans union I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.
Product: Student loan

I have been trying t o work with FedLoan Servicing for over a year to get my payments credited toward Public Service Loan Forgiveness. I  have certified my employment multiple times and have asked for information  as to when my qualifying payments will be credited. Each time I am advised it will take another 30-90  days. I have been making qualifying payments on certified eligible employment since  XXXX   2015 . I am very concerned about how the new admin will ha ndle PSLF an d would like to see my payments credited appropriately.  <P/> I have called multiple times and emailed multiple times. Each time I have been assured that my payments qualify, but that it just takes time to be credited.
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Debt collection

I was served with a civil lawsuit on XX/XX/XXXX from XXXX XXXX  lawsuit from a debt that was paid on XX/XX/XXXX to the main creditor of the debt. When I reference my credit report it shows that account paid for less then full balance and paid. XXXX is also in violation by claiming I owe a debt I do not owe and placing it on my credit report starting XX/XX/XXXX which in turn lowered my credit score which ultimately lowered my credit score and effected my XXXX which made my refinance total more then it should be. XXXX is in violation of the Fair Debt Collections Practices Act ( FDCPA ), to be specific, 15 U.S. code 1692e. i am demanding that this egregious negative account be removed from my credit report and that I be compensated for the damage that was done to my credit and the negative effects it had on my home loan refinance.