23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a credit reporting alert that a company GLA Collections is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a collections/delinquent account for non-payment of a medical bill. I have not received any medical care from any provider in over 10 years. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragrap
h ( 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX *********** XXXX XXXX {$490.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$1100.00} Account number XXXX  Date opened XX/XX/XXXX XXXX  XXXX {$450.00} Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$2800.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$47000.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX TransUnion *********** XXXX XXXX  XXXX  {$0.00} Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX {$7100.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX  {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$2700.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX *********** XXXX XXXX XXXX XXXX  {$9600.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6600.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX {$1200.00} Account XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$47000.00} Account number XXXX XXXX Date opened XX/XX/XXXX
Product: Checking or savings account

Capitol One direct deposit issue and no timetable for release of funds
Product: Mortgage

I have repeatedly asked for the full, un-broken chain of title with all Assignments and Substitution of Trustee recorded documents yet only receive rob-signed Assignment with the undocumented papers from closing. I was told I could call XXXX XXXX XXXX/SPS in XXXX XXXX XXXX UT to set up a viewing of the original wet-ink Deed and Note together along with the full Chain of Title that they had in their possession in order to qualify them to collect/foreclose and/or modify my loan. When I called I was told that they would first mail me the documents then when asked when I could set up an appointment to view in person I was told that he would get back with me once he found them ... Haven't heard back yet they still have a XX/XX/2019 sale date pending while they " look for my documents ''. I have requested that while they do their researching if they would cancel this sale date immediately, but they have not to date. 
I am very concerned that this company has no idea who the owner of my loan is as they said it was XXXX but no ID number was attached to my loan to verify, then it was XXXX XXXX, who is currently being shut down/sued as all the others who has said they owned this loan, and since no one can produce any facts and just bully me with sale dates I am very concerned that they will illegally foreclose without any rights to my loan at all!
Product: Checking or savings account

The New York Community Bank office in XXXX XXXX [ XXXX XXXX ] ran a background check on my Social Security number thru XXXX  XXXX after I had opened a CD and checking account on XX/XX/XXXX and determined that I had to bring my SS card to the office for identification purposes. I went to the bank to ask why I was asked to bring the SS card since I was an existing customer of NYCB for several years. They claimed that someone else had been heavily using my social security for several years. I immediately initiated the investigation by contacting the credit bureaus, Social Security Administration and XXXX XXXX to obtain the reports. Every report came up clean. The only name associated with my SSN was mine. I went back to the bank in XX/XX/XXXX and spoke to Management regarding the results of my investigation. They told me to contact XXXX XXXX again and ask them run the report by using my SSN only. I contacted XXXX XXXX several times to review the info linked to my SSN and no errors were found. Since the bank is the only institution seeing the other individual linked to my SSN, I asked them several times to provide me with a general letter indicating the issue without disclosure of the other individuals identity so I could initiate a proper investigation. Management has denied my request multiple times in the most unprofessional manner. On my last visit to the bank [ XX/XX/XXXX ] I was informed that the individual linked to my SSN had died in XX/XX/XXXX. Where is the bank getting this info from? Why none of the agencies I contacted has this info? They told me to ignore the whole issue with my SSN, to let it go. They further said that they did a background check on my SSN because everyday people open bogus, suspicious accounts. Were my accounts bogus and suspicious? That comment alone was extremely offensive. My parents, loyal customers of NYCB for over 20 years, are taking their business elsewhere. 

The rude, dismissive, impolite, unprofessional behavior and negative comments made during my recent interactions with management are a clear indication that the bank is discriminating against me. Providing me with a letter I have requested so I can initiate an investigation to ensure that I am not a victim of identity theft is the least the bank should do besides the apology for their discriminatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. Yes, you may have investigated it but you did not investigate it properly you also do not get to keep restarting the clock 60 day and 60 days and 60 days. You have the original 45 days and once I sent that mov 15 days from then. You all have done this since XXXX. You received my certified mail on XX/XX/XXXX, again on XX/XX/XXXX. You could not produce a ( wet signature ) signed contract for these accounts proving they are mine furthermore I have documentation from these companies showing I have no business, debt with them. What you are reporting is not MINE. 
The following account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

Tried to open multiple times an HSBC checking between XX/XX/XXXX - XX/XX/XXXX XXXX. Repeated denied : " Dear XXXX, We're writing to notify you that your application for a new HSBC Advance checking account was declined because were unable to verify the identity of the applicant. 

If you requested online funding at the time you submitted your application, this transaction has been cancelled. 

Sincerely, HSBC Online Account Opening Team '' Even so - I was a customer of the bank in the past ( confirmed, and does not prevent opening ), they had successfully checked my credit reports multiple times which fully confirm my identity ( prof present ). All the information I entered was correct. So the reason presented is absolute invalid nonsense. 

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

I disputed an old/obsolete tradeline with Equifax on XX/XX/XXXX. XXXX XXXX XXXX verified the account with Equifax as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). 
My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my Experian report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing XXXX XXXX 's account on my credit report showing the discrepancy ( re-aging ). Equifax will not remove the tradeline and XXXX XXXX XXXX has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the Nelnet representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but Nelnet had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but Nelnet has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from Nelnet to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to Transunion . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request assistance in obtaining more detailed information regarding a charge-off reported by Comenity Bank on my credit report. I have not yet attempted to contact the company directly but would like to ensure I have all necessary documentation and clarification regarding the nature of the charge-off, the payment history, and the account details leading to this status. 

I am seeking verification of the debt, including documentation of the original agreement, itemized statements, and proof of ownership. I believe this information is crucial in ensuring the accuracy of my credit report. 

I kindly ask for your assistance in facilitating communication with Comenity Bank to obtain these details. 

Thank you for your attention to this matter. 

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

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is XXXX XXXX reporting the account type as Open, while Experian and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX XXXX and XXXX are reporting the date last active as XX/XX/2022 and Experian is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late for the month of XX/XX/2021 and 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

AMER CR ACPT XXXX Balance : {$12000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach out to this consumer reporting agency and they have not given me access to my consumer report AND FILE.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed there was a collection account opened back in XXXX XXXX XXXX with XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX, I have no knowledge of this account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Consumer Loan

The company is calling my job harassing my co-workers. I have asked them to only call my personal phone number, but they are ignoring my request. The item is already on my credit and I am unable to pay it at this time.
Product: Money transfer, virtual currency, or money service

I am filing a coplaint against Cash App ( Block , Inc. ) due to inadequate customer service and and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timelu and efectivee measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report that I believe resulted from the data breaches involving XXXX and XXXX. 

**1. XXXX Data Breach** In XX/XX/XXXX, XXXX experienced a significant data breach that exposed sensitive information for approximately XXXX XXXX consumers, including my personal data. As a result of this breach, I have noticed inaccuracies on my credit report that I believe may stem from unauthorized access to my information. 

**2. XXXX  Data Breach** Additionally, in XX/XX/XXXX, XXXX reported a data breach that may have impacted my personal and financial information. The consequences of this breach may also contribute to the errors reflected in my credit report. 
I have disputed the in accuracies to the credit reporting bureaus and sent letters to Vendors and no response.
Product: Checking or savings account

First, I have banked with chase since XXXX, and have had checking, savings and credit cards through chase. I didnt run into financial trouble until the past year. I didnt realize how TERRIBLE their fees are. How can you run a bank and be willing to take so much money not just me but a huge number of customers? We all have trouble and have to go negative but with chase if they would just let it sit negative until we get paid I wouldnt be complaining. They have made it so hard for me to get caught up just because of the fees. For example, in the statement from XXXX XXXX XXXX XXXXXX/XX/XXXX chase charged overdraft fees of {$810.00} and refunded me ONLY {$100.00}. The statement the month prior, {$92.00} on over draft fees, that was Never refunded. The statement from XXXX to XXXX, they Charged me {$370.00} in fees NONE refunded.I can keep going but I think that hopefully gets the point.. I also have some things to say about the credit cards I have with chase. I have the proof showing the past 4 months I couldnt pay the see I had to It was getting too high but I still paid some, they closed my card. The other card I have, no late payments, and on auto pay they closed that roo. Im struggling financially from chase taking fees from me its not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to investigate and remove inquires that are unknown and not inquired nor authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Multiple debts reporting twice on my report which arent mine of which are hospital bills Collection from Credit Bureau XXXX Original Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Credit Bureau XXXX XXXX Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Debt Recovery Solutions Original Creditor : XXXX XXXX XXXX Phys XXXX Opened : XX/XX/XXXX Balance : XXXX Collection from Debt Recovery Solutions Original Creditor : XXXX XXXX XXXX XXXX  XXXX Opened : XXXX XXXX, XXXX Balance : XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

I have already contacted this bureau about this debt. This debt problem is on a previous complaint that I submitted to this company about three months ago. The company in question was XXXX XXXX. XXXX answered my complaint. Now I am going after the company that XXXX sold the debt to. This company is XXXX XXXX. They continue to call and harass me about this old debt - 11 year debt. I never take the calls. They always leave a message, saying that they are trying to collect this debt. They have called about twenty times, perhaps more. I mentioned this company in my complaint to XXXX, hoping that they would get the hint and they did not. They continue to harass me about this eleven year debt.
Product: Mortgage

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check # XXXX funds ( principal, interest, Escrow ) applied, and why?