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

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$140.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Owed : {$140.00} ; XXXX XXXX XXXX Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXXT XXXX Balance XXXX : {$390.00} ; XXXX  XXXX Balance Owed : {$47.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; 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
Product: Consumer Loan

On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX
Product: Student loan

I have applied to have my loan consolidated two times with XXXX XXXX, and they have not taken any action to consolidate my loans. Every time I try and call in, they hang up, and the monthly bills are vastly inconsistent, and extremely high given my income. I have been denied my applications to move to other payment plans such as XXXX, due to bills not being paid due to the fact that I never received these bills ; they simply appeared after the fact in the system.
Product: Debt collection

Wakefield & Associates Account XXXX XXXX Dear Wakefield & Associates ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$1700.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : WAKEFIELD & ASSOCIATES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. WAKEFIELD & ASSOCIATES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I request the following information : The name, address, and phone number of the original creditor. 
A detailed breakdown of the charges and fees associated with this debt. 
Any evidence you have that I am legally obligated to pay this debt. 
Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

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

Student loans on account was reported as identity theft and the investigation has went past 90 days. An Identity theft was filed in XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, SageStream, XXXX, XXXX, XXXX, and XXXX ( XXXX  and XXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING FALSE INFORMATION ON MY REPORTS AND NOT LEGALLY VERIFYING THE INFORMATION AFTER SEVERAL REQUESTED LETTERS FOR PROOF
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the federal government. 
My complaint is about Experian 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.
Product: Debt collection

I paid double the debt I paid {$1400.00} on a {$700.00} debt. I was told early on " not to worry about ''. I found the debt on my credit and called to take care of it after threatening to sue me I paid the debt off well over the initial debt. Now Knight adjustment bureau will not send proof of payment. I put a dispute in through the credit bureau and they responded with notice they will not take it off my report because it is still owed. I was yelled at lied to and threatened. I was trying to do what's right and pay off the loan and I've been treated poorly.
Product: Checking or savings account

I have an account with MoneyLion and pay {$9.00} membership fee per month for a MoneyLion WOW membership. One of the benefits is being able to get a XXXX XXXX plus loan. I have paid off XXXX, all earlier than final payment date, the most recent being in XX/XX/2023. 
Most recently, whenever I try to apply for a new XXXX XXXX loan on the MoneyLion app, they keep denying me. I don't even get a chance to fill out an application. As soon as I click on " Get My Loan '', I receive an automated email informing me that due to poor performance with MoneyLion, I'm not eligible. 
When I call, no one can provide info and I'm told it's being referred to their dedicated team and they will be in touch. They never get in touch and the issue never gets resolved. Their answe is always, " I know this isn't the resolution you were expecting, but I hope we were able to address your issues ''. 
Their is no reason why I shouldn't be eligible and because of their actions, my credit score keeps dropping.
Product: Credit reporting or other personal consumer reports

There is a collection account named " XXXX  '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received copies of my credit report and notice that XXXX XXXX XXXX XXXX XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, XXXX and Experian and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Product: Vehicle loan or lease

I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to  only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX  report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 a account without my written instructions
Product: Debt collection

I received a letter stating that I owed XXXX money and they were attempting to collect it. I contacted XXXX and they do n't know this company and I do n't owe any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco gave me two hard inquiries within one month on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry CONSUMER PORTFOLIO SERVICES ( finance ) I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. 

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Credit card or prepaid card

Before I begin Citibank I do not want this marked as a third request even though it is. My credit is currently in jeopardy and I need to take out a loan due to COVID-19 to support my family at this time you are reporting over 18 fraudulent inquiries that you said according to documentation that you would contact XXXX and have them removed. XXXX I have disputed these fraudulent inquiries sent you FCT police reports you send me copies of the credit report back stating that they have been removed and its a complete lie XXXX youre in violation of the fair credit reporting act once again. Citibank and XXXX this will be the last report to the CFPB next step I am contacting my attorney on retainer and we will meet each other in court. I have a long list of fraudulent inquiries that are holding me back from obtaining credit and supporting my family during this time and neither city bank and especially XXXX could care less. Citibank I have two accounts with you I have an XXXX and a secured Citi Card that is it those inquiries will remain with the following inquiries I am requesting that you send me document for each inquiry that you are planning on removing the inquiry and contacting XXXX if you have to pick up the phone and make it happen. XXXX happens to be one of the worst credit reporting agencies for filing fraudulent disputes and they are the cause of the 2017 XXXX Curity breach I find it hilarious maybe theyre trying to recoup phones by keeping fraudulent trade lines reporting and fraudulent inquiries on the credit bureau I find it to be a conspiracy and something needs to be done. Not in 30 days today thank you
Product: Debt collection

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY FILED A CLAIM WITH THE CFPB IN REFRENCE TO FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I AM ASKING FOR A  RE INV ESTIGATION. I HAVE LIVED IN ALABAMA 53 YEARS. I HAVE SENT PROPER DOCUMENTATION TO SHOW I AM A LABAMA RESIDENT. NEVER LIVED IN  XXXX   XXXX  NEVADA. SOMEONE APPARENTLY WAS LIVING UNDER MY IDENITY IN  XXXX   XXXX  NEVADA DURING THE TIME I RESIDED IN ALABAMA. I HAVE STATE OF ALABAMA NOTICES FROM THE DEPARTMENT OF REVENUE SHOWING I OWE TAXES FOR  XXXX ,  XXXX .  XXXX ,  XXXX  I HAVE MY ALABAMA TAX RETURNS AND ALSO BILLS. HOW IS THIS POSSIBLE TO LIVE A DOUBLE LIFE. I SUBMITTED 19 YEARS WORTH OF ALABAMA ISSUED DRIVERS LICENSE. POWER BILLS, LEASE. TO SHOW AT THE SAID TIME I RESIDED IN ALABAMA NEVER LIVED OUTSIDE ALABAMA.   XXXX   HAS REMOVED THESE ACCOUNTS FROM MY CREDIT REPOR T NUT  NOT TRANSUNION AND  XXXX . PLEASE SEE THE FOLLOWING ACCOUNTS THAT DO NOT BELONG TO ME  XXXX  -BANKPRUTCY  XXXX   XXXX  NEVADA   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Product: Credit card

Potentially fraudulent activity on m account, investigation was open but no response or action to fix the problem. Basically stated I was responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, & XXXX notifying them all also showing proof of Identity Theft & showing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Report Fraudulent Inquiries Dear XXXX, I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX - XXXX 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 XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

My original mortgage loan was with Wells Fargo. During the Pandemic I was allowed to defer the payments. When the deferment period ended, I was still unable to make payments and the deferment was extended. It was later suggested that I apply for a loan modification in order to have lower payments and interest rate. I filled out paperwork for the modification and the process took over a year. Moth after moth they stated that I was missing document but had submitted everything that was requested. There was a time when I called to inquire about the status of the modification, I was informed that the paperwork was lost, and the process had to begin over again. I called monthly to see if a decision was made and never did get a confirmation. The mortgage was abruptly sold to another company. Payments were due immediately and the new company threaten a foreclosure. I had since retired and did not have the funds to bring the account up to date. I ended up borrowing the money from a friend to bring the account up to date. Wells Fargo was responsible for me paying so much money to bring my account up to date with the new company. 

As a result, I am presently on meds for stress.
Product: Debt collection

I contracted with XXXX for pest control services. XXXX used the wrong product and did not control my problem. They made a 2nd attempt but failed. I cancelled their service ( within 30 days of payment ) and notified them both by telephone and in an email that I was cancelling their service and requested a refund. They did not respond within 2 weeks so I filed a complaint with the credit card company that I used to pay them. The credit card company gave me a " conditional credit '' pending resolution. The credit card company allows 60 days for the billing company to respond but they did not do so within the time allotted. Therefore, the credit card company made my conditional credit a permanent credit. Months later, Nationwide Credit issued me a notice of attempt to collect a debt on behalf of XXXX. XXXX never replied to my credit card company and now they are harassing me through Nationwide Credit to ILLEGALLY attempt to collect a debt that is beyond the statute of limitations. 

Please issue a " cease and desist '' notice to both XXXX and Nationwide Credit. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act is company 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 a account without my written instructions