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

Fraudulent open/closed collections accounts : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$8400.00} XX/XX/XXXX XXXX {$250.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX Fraudulent Unauthorized inquiries XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX , I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED
DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA
.

Respectfully XXXX XXXX UCC-1-308 without prejudice
Product: Debt collection

This company The Bureaus has yet to show proof of an account that they claim is mine. I believe it was the capital one account i dispute a year ago, which was deleted off my account due to it being an error. This  company the Bureaus is not a law firm/ or stating litigation. They are simply just trying to get money out of me with no proof of signature regarding an old incorrect issue on my credit reports. They need to delete this negative incorrect information for XXXX dollars off my account as this is not mine nor do i owe this money. This wrong information was settled last year when it was deleted. I sent them a certified letter via mail more than 30 days ago to stop harassment and to delete. However it is still on all three credit bureaus
Product: Student loan

I believe Mohelas accounting systems have erroneously placed outstanding balances on my account. Mohela provided to me all of the Financial Activity Summaries for my loan sequences, and they are missing records for many of my payments. I believe all of my loans have already been fully paid in full. My primary concern : Mohela currently states that Loan Sequences 4 and 5 are still outstanding, even though I refinanced these loans specifically through XXXX XXXX XXXX ( XXXX ), which was subsequently paid off by XX/XX/XXXX. I received 4 federal loans ( Loan sequence 4, 5, 6, and 7 ) for my graduate school studies at XXXX ( XXXX ) for a total loan amount of {$170000.00}. On XX/XX/XXXX, I received a Loan Verification from Mohela for Loan Sequence 4 and 5, so that I can consolidate these loans specifically through XXXX XXXX XXXX  ( XXXX ). The total amount that was paid from XXXX to Mohela was {$92000.00}. Subsequently, I paid off the XXXX balance in full by XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Mohela that has a Paid in Full status for Loan Sequence 6. For Loan Sequence 7, Mohela still shows that I have a {$0.00} balance, even though Ive tried to pay off this balance before, when there was XXXX cent remaining. I believe Mohelas accounting systems have incorrectly posted my payments and I would like a full explanation for how this happened. I want to ensure that I have XXXX balances remaining on my student loans. I have contacted Mohela through online messages and phone calls on multiple occasions throughout XXXX and XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased XXXX through XXXX XX/XX/XXXXcompany paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
Product: Credit reporting or other personal consumer reports

All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!
Product: Debt collection

In XXXX i seen sentry credit on my account i tried calling them no answer so i mailed them. Contacted XXXX and tried disputing it but sentry credit said account was accurate. Tried mailing and contacting sentry credit since XXXX and the same w XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1 XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER XXXX XXXX XX/XX/22 RE. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  mother and recent widow. I was on an affordable housing wait list in our community. In XXXX my credit was pulled Trans Union XXXX XXXX ( XXXX  ) and approved and we were put on the move in list. We packed our entire house and we were calling weekly for a move in Date. In XX/XX/XXXX I received an alert that my credit had been pulled again via Trans Union XXXX XXXX ( XXXX  ) and I also received an email the same day that we had now been moved into denied status with ( XXXX  Housing ) affordable housing. After reteaching and receiving a copy of my Tenant screening report, I saw that they showed 2 eviction filings under my name. One of which was not in the state I live in. I disputed with them and told them I have never had any evictions and I've only lived at my current address in XXXX Hawaii since XXXX. This is a terrible situation to be in because I have been taken off the waitlist for affordable housing and lost our unit. We had already given notice at our current property. We are at risk of XXXX. I expected the items to be removed after the dispute but I just heard back from trans union XXXX XXXX  that they show one as a dismissal in Hawaii and the one from Florida is still on my report. I don't know what to do because I cant get any information from a state XXXX miles away where I don't live. I believe my name could have been used and this could be identity theft ( fraud ). I have never had an eviction.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX 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 any account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Several months ago, I made multiple attempts to work out an arrangement so that I could keep my account in good standing. I either did not receive responses, or the email responses had XXXX to do with my request. 
I then began receiving emails stating to catch up on my payments in order to keep my account in good standing, AFTER I noticed that my account was showing as CHARGED OFF with the credit bureaus! I then sent numerous emails asking if my account had been charged off because I received no notification since it is not with a debt collection! They closed the account last XXXX with XXXX notification even while I continued to contact in the attempt to set up an arrangement!

Sezzle continues to pretend and send me false documentation stating my account is open and if I catch up on payments then I can use my account, which is false! 
I sent numerous emails trying to clarify the status and not only does it take days to get a response, I can not get questions answered truthfully!
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter from XXXX XXXX the JPMorgan Chase Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.
Product: Credit reporting or other personal consumer reports

Due to a data loss my information was put at risk... I also was scammed.
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX I attended a school in XXXX Florida to become a helicopter pilot. The school was named XXXX XXXX XXXX and unfortunately went bankrupt before I was able to obtain any certifications. I was still required to pay the full amount of the loan which was over {$80000.00}. Not wanting to be responsible for paying such a large amount for training I never received seemed wrong. The students filed a class action using XXXX XXXX and he negotiated a reduced amount that we would owe though the amount was still very large despite never having received the training promised by the school. XXXX XXXX received millions in fees from the student loan company as part of the settlement. I am still paying on this loan and it has become overly burdensome and I still have twenty years of payments to go.
Product: Vehicle loan or lease

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased a pair of earings from a vendor named XXXX at a festival on XXXX XXXX, 2016. This purchase was correctly charged to my Wells Fargo XXXX XXXX card by the vendor for the sum of {$59.00}. I then decided to buy a second pair of earrings. This time the vendor fraudulently prepared the credit card slip in the amount of {$540.00}. The actual price for the earrings was the same as the first pair : {$59.00}. I did not notice the fraudulent change and signed the credit card slip. 
Please note the attached exhibit of XXXX 's inventory from its website at XXXX. Every item carried by XXXX is priced between {$27.00} and {$55.00}. It defies believe that anyone would purchase {$540.00} worth of merchandise from a vendor at a festival operating from a tent! I have made every effort to locate the XXXX company without success. There is no business address on its website and I could find no listing of any such business on file with the Georgia Secretary of State. 
I have reported this fraud to Wells Fargo twice. Wells Fargo has refused to adjust this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX 2017.  XXXX, Experian & XXXX. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.
Product: Credit card

It's been a while since I've opened my Navy Federal account so I can't recall all of the issues I've experienced with them. However, their negligence and lack of professionalism significantly affected my way of life.
Product: Credit card or prepaid card

XX/XX/XXXX I received a email stating I opened a Bank of America prepaid pay card for my unemployment benefits? Which I did not authorize due to the fact that I have a current saving/checking account via XXXX  since XXXX. The prepaid was ordered and sent to a address located in California to receive NEVADA benefits which is disappointing in the BIG name Financial institution Bank of America did not do there due diligence to secure the identity of the person opening ANY account. I have requested for this fraudulent account to close immediately and to issue any funds verbally in via email lastly Im asking this agency to step in to receive the documentation this account can not be opened again and the funds owed to me.
Product: Payday loan, title loan, or personal loan

I borrowed a loan for a {$1000.00} and the they have an agreement form stating this. 

ANNUALPERCENTAGERATEFINANCECHARGEAMOUNTFINANCEDTOTALOFPAYMENTSThecostofyourcreditasayearlyrate.Thedollaramountthecreditwillcostyou.Theamountofcreditprovidedtoyouoronyourbehalf.Theamountyouwillhavepaidafteryouhavemadeallpaymentsasscheduled.XXXX   % {$2300.00} {$1000.00} $ XXXXYourPaymentSchedulewillbe : NumberofPaymentsAmountofPaymentsWhenPaymentsAreDue1 $ XXXXXX/XX/XXXX2 $ XXXXXX/XX/XXXX3 $ XXXXXX/XX/XXXX4 $ XXXXXX/XX/XXXX5 $ XXXXXX/XX/XXXX6 $ XXXXXX/XX/XXXX7 $ XXXXXX/XX/XXXX8 $ XXXXXX/XX/XXXX9 $ XXXXXX/XX/XXXX10 $ XXXXXX/XX/XXXX11 $ XXXXXX/XX/XXXX12 $ XXXXXX/XX/XXXXLateCharge : Ifapaymentis3daysormorelate, youwillbecharged $ XXXX.Prepayment : Ifyoupayoffearly, youwillnothavetopayapenalty.SeethisLoanAgreementforanyadditionalinformationaboutnonpayment, default, anyrequiredrepaymentinfullbeforethescheduled. 

This is what I put my self into. I am a consumer who needed help at the moment working pay check to pay check. I was struggling to pay it back and my salary was not enough to cover the bi weekly payments of {$280.00}. 

If I'm late they charge a fee on top of it and the loan was {$1000.00} and if I did continue to pay it bi weekly of just XXXX It will total to about {$3000.00}. 

I'm just curious if this is a legal form of business. 

Thank goodness my father help me out big time on this deep hole, I put myself into. If it was just me I would be paying this bank for the rest of my life. 

We decided to pay it full in one time and it totaled to XXXX. That's the final amount I had to pay due to more than 75 % interest rate. This is a big learning experience for me I had no idea what I was going into. Yes I'm ignorant about the agreemental but I needed the money. 

The point I'm trying to share to anyone here is that is this even legal for someone to charge you that high amount of interest and if you borrow a XXXX dollars you'll have to pay for the rest of your life the XXXX in total of roughly XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Statute of limitation expire but they keep harassing me sending me letters and calling me. 
I 'm a XXXX citizen just living from my Social Security check
Product: Debt collection

The XXXX on XXXX ( XXXX-owned property ) charged me with an incorrect balance due, specifically furniture they claimed was missing that they never gave me- a sofa chair and sofa- and for washer and dryer replacements that I did not cause the need for. I submitted my proof of the false debts to XXXX XXXX, XXXX accounts payable account owner. My debt was inaccurately reported to Genesis collection agency. I sent a mail certified response requesting an itemized list of the charges they are collecting on and stated that I wish to dispute the debt. I never received a response to my certified mail letter from Genesis. After receiving another email from Genesis offering a settlement on my debt, I called the company to dispute the charges. During these phone call conversations, they would not allow me to dispute the charges and only offered me settlement discounts, and threatened me that if I did not pay this debt it would significantly damage my credit and my parent 's credit since they were a guarantor on my lease.