23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received a letter XX/XX/2018 from Debt Collection Company : XXXX XXXX XXXX XXXX. about a debt that is not mine, it is result of Identity Theft.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of credits and debits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Debt Recovery Solutions ( DRS ) showed on my credit report with no mention of what the original debt is. No communication received from DRS in regards to the debt. On my credit report it lists XXXX XXXX XXXX as the original creditor but upon searching XXXX XXXX XXXX purchases written off debt. This company was of no assistance as they stated they no longer have the debt. As such, I have no knowledge of the debt & have not received any communication from DRS. DRS is also not licensed to collect debt in the state of Washington. The company is in violation of the FDCPA for not providing information & attempting to collect on phantom debt. Request this to be removed from my credit report.
Product: Debt collection

I have attached documents, I have requested repeatedly proof this is my debt, I believe it is not mine. I have researched and found that in this type of case when the debt is sold to a third party the debt is the sole responsibility of the primary. Knight Adjustment would not send me proof and actually sent threats of court instead. The first not being viable the second time there is a court date set for XX/XX/2018 in which I need to bring proof of all my assets. This company has violated my rights by multiple calls per day, calling my mom, giving my neighbor a court document instead of me both of these violating my right to privacy, refused to give me proof that it is my debt in which by law they are supposed to produce it within 30 days of me sending a written request. I am sending all these documents to you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect account that appears on my credit report. This account is inaccurate because dates of last activity are inconsistent/incorrect.
Product: Mortgage

I would like to file yet another complaint against my mortgage servicer by the name of PENNYMAC. This is a very despicable company and I believe they are deliberately and wanton willfully refusing to remove unsubstantiated late payment in which I was on a forbearance plan during the time of the late payment reporting. I spoke with some person name " XXXX '' not sure if that is his real name because he is a LIAR. He has given me false expectation and I truly believe he didn't even look into my situation wherein I was on a forbearance plan during XXXX and XXXX and modification during XXXX when I was placed on notice to deploy for active duty. This company is deliberately causing duress and economical and familial harm to me and my family as they are being allowed to place derogatory information wherein I have multiple documents to show I was on a forbearance plan and my mortgage should have NEVER been reported derogatory. It appears this company has a deliberate and illegal way of dealing with their customers as while deployed they NEVER paid my property taxes and when they did I had to contact the CFPB in order for them to do it and they put the balance paid on my taxes wherein they were in TOTAL violation of RESPA when they finally paid they put the amount they paid as a PAST DUE AMOUNT on MY CREDIT REPORT AS IF I WAS $ XXXX due and WILL NOT REMOVE IT AS THIS WAS NOT MY FAULT IT WAS THEIRS..PLEASE HELP ME AS MY PLEAS ARE FALLIN GON DEAF EARS WITH THIS COMPANY AND I HAVE NO OTHER CHOICE BUT TO LITIGATE THIS COMPANY FOR FRAUD, WILLFUL VIOLATE OF RESPA, FCRA , SCRA ad many other federal laws I am sure., I don't want anyone from their company contacting me as the guy " XXXX '' is a liar who set false expectations and deliberately look for ways to refuse to CORRECT MY CREDIT REPORT WHEN THEY ARE WRONG! My ATTORNEY HAS SENT LETTERS AND THEY REFUSED TO RESPOND TO LEGAL COUNSEL AS WELL. THIS IS THE ONLY NEGATIVELY REPORYTING CREDIT and they are willful and wanton to cause me financial harm especially during a pandemic and as returning home XXXX from XXXX.
Product: Debt collection

I sent dispute letters to XXXX, XXXX, and XXXX for Midland Credit Management, they were delivered on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX In XXXX I was served paperwork stating I owed allegedl debt and I have a court date for XXXX XXXX XXXX. I was confused on how Midland was serving me on alleged debt that I never signed an original contract with and how did they get my address, I never had contact with anyone. I also assumed the court date was fraudulent because me and my partner tried to case search myself and no trial date appeared and then oXXXX XXXX XXXX XXXX XXXXXXXX deleted Midland of my credit report. I received a letter in the mail from the court house saying there is a judgment against me from Midand on XX/XX/ but I still havent received a original contract that I signed with them.
Product: Debt collection

I am not liable for this alleged debt debt with XXXX XXXX XXXX XXXX, and I absolutely not have a contract with Commonwealth Financial Systems. Plus they did not provide me with the original application like I asked after they illegally placed this negative account on my credit reports without sending me a dunning letter in the first place. 
Account # : XXXX Amount : {$390.00} I demand that they close this account and delete it from my credit reports immediately.
Product: Debt collection

Columbia Debt recovery posted a collections account to my credit report in XXXX. I immediately disputed it with my credit bureau XXXX and filed a a police report with XXXX XXXX XXXX office. The police report number is XXXX their phone number is XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXXXXXX XXXX  PAYMENT OF {$420.00}, WITH A CONFIRMATION NUMBER OF XXXX HAS BEEN RETURNED BY KIA MOTORS FINANCE. 
PAYMENT WAS MADE XX/XX/XXXX VIA XXXX XXXX OWN PAYMENT PROCESSING SERVICE KNOWN AS " XXXX '' AND INCLUDES A FEE OF {$2.00} cents. 
( PAYMENT WAS MADE FROM A PERSONAL CHECKING ACCOUNT ( XXXX ) OF XXXXXXXX XXXX ). 
PAYMENT WAS RETURNED BECAUSE KIA MOTORS FINANCE HAS ADDED UNJUSTIFIABLE " LATE '' FEES THAT WERE NOT INCLUDED XXXXXXXX XXXX PAYMENT. 
PLEASE SEE PHOTO OF MONEY ORDER MADE FOR XX/XX/XXXX, XXXX XXXX DAYS AFTER THE DUE DATE. 
KIA MOTORS FINANCE CLAIMS THAT PAYMENT WAS RECEIVED AFTER THE XXXX DAY GRACE. 
BUT THE DATE UPON THE MONEY ORDER XX/XX/22 IS WELL WITHIN THE " XXXX XXXX, '' WHICH WOULD BE THE XXXX OF EACH MONTH. 
WHAT GOOD BUSINESS DOES THIS : TURNS DOWN HUNDREDS FOR A " FEE '' LESS THAN XXXX DOLLARS??? 
( SEEMS PETTY AND UNJUSTIFIED TO ME ).
Product: Money transfer, virtual currency, or money service

To whom it may concern, Good evening, I hope this message finds you well.

I received an email from the Cash App Company informing me that my Cash App account was closed because supposedly, I violated the Company Policy ; I contacted the Customer Support department to request a clarification on that statement. OnXXXX XXXXXX/XX/XXXX, the Customer Department sent me an email stating that, on XX/XX/XXXX Cash App Investing sent me an email titled an important message about my Cash App Investing Account. In this email, they detailed that after careful review my investing account is in violation of our Customer Account Agreement and would be closed on XX/XX/XXXXXXXX I would like to express my concern regarding the decision to close my account and, I want to appeal it. There is no valid justification for this action, as I have never engaged in investing transactions. I am confused as to how I could be accused of such activities without any evidence. 

I do not agree with this resolution and would like to formally appeal the decision. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX  : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This is not the original creditor but thats what they are stating on my credit report. They have not sent me any documentation to any debt being mine or my signature on original debt agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

The company in question, NAVY FEDERAL CREDIT UNION and other consumer reporting agencies such as XXXX, XXXX and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and file was frozen by XXXX XXXX, XXXX  and Equifax without my authorization or permission. I never requested for a freeze to be added to my XXXX XXXX, Equifax or XXXX  credit report. I applied for credit and was informed that my credit report was frozen by XXXX XXXX, Equifax and XXXX  without my permission. Review the attached documentation with this complaint. I did not request or give permission to XXXX XXXX, Equifax or XXXX  to freeze my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last attempt to rectify this situation with Synchrony Bank before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Synchrony Bank concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called Synchrony Bank to give any of my personal information to anyone at Synchrony Bank including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question : XXXX  XXXX XXXX of XXXX and walmart XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada address is solely for you to correspond with me. If XXXX  XXXX attempts to do so this will be considered fictitious malpractice on XXXX  XXXX and I will contact the Federal Trade Commission and the Attorney General Office.
Product: Credit reporting

I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Payday loan

I have paid for a pay day loan XXXX and now am being sued claiming I did not pay for the loan. I have been called XXXX times regarding this same loan that I have paid and now XXXX Mediation has made a claim that I still owe {$400.00} and if am sued in court they are seeking {$2900.00}. They do not care that I have letters that claim I have paid for this loan
Product: Student loan

My complaint is with the US Department of Education, XXXX and Mohela -- I have been actively working to qualify for XXXX since XX/XX/2022 ( after working full time for the XXXX for over XXXX XXXX ). I have qualified finally after loan consolidation with Mohela, verification of a valid employer ( XXXX XXXX XXXX XXXX XXXX XXXX and making over XXXX qualifying payments. My application for XXXX forgiveness now resides at the US Department of Education for final decision as of XX/XX/XXXX. Neither Mohela nor Federal Student Aid can verify the status of this decision and an agent at XXXX said that the division aXXXX XXXX XXXX does not accept incoming calls. XXXX stated that the process can take up to XXXX business days ( XXXX months ) -- this is unacceptable. I am an employee of both the XXXX  and XXXX and this is unacceptable customer service. Please remediate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX / XXXX. XXXX  XXXX XXXX XXXX XXXX / XXXX /XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX have 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

PLEASE SEE ATTACHED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : The following inquiries were not authorized by me. Please deletethem. I have never given my permission for any company to inquire aboutmy credit status. Any inquiries made are unauthorized. The presence ofthese inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed.

Transunion I have attach the ftc as well as my documents Once your investigation is complete please send me an updatedcopy of my credit report. I would appreciate the name, address, andphone number of the companies who inquired about my credit so that may follow up. 



Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

XXXX XXXX, 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

I looked at my equifax credit report on XXXX XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit Loan inquiry was made without my consent. Someone submitted a credit application for a car loan to a company called XXXX XXXX XXXX XXXX. This inquiry was not authorize by me. 

Fraudulent Inquiry made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX has share my report even though I have it frozen.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, are

violating 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 furbish an account without my written instructions.