23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 Convergent has been sending me debt collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am being violated of my consumer rights pursuant to the FCRA by Equifax. Under 15 USC 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates, also 15 usc 1681a subsection ( d ) Consumer Report.- ( 2 ) Exclusions-the term " consumer report '' does not include- any authorization or approval of a specific extension of credit directly or indirectly by issuer of credit card or similar device, the defined term of credit card in the law is pursuant to the same term for credit card in 15 usc 1602, which is any card, plate, coupon book, or credit device existing for the purpose of obtaining money, property, labor or services on credit in which my case will be my social security card. I did not authorize or give Equifax any written consent to furnish anything on my consumer reports no consent is identity theft and I demand all these listed accounts be updated, deleted, and corrected immediately : 1. XXXX ( Late Payment ) Dates : XX/XX/XXXX, XX/XX/XXXX Delete 2. XXXX XXXX XXXX XXXX ( Late Payment ) Date : XX/XX/XXXX Delete 3. XXXX XXXX ( Closed Account ) Delete 4. XXXX XXXX XXXX ( Closed Account ) Delete 5. XXXX XXXX  ( Closed Account ) Delete 6. XXXX XXXX XXXX XXXX  ( Closed Account ) Delete 7. XXXX  XXXX XXXX XXXX ( Closed Account ) Delete 8. XXXX  XXXX  ( Collection Account ) Delete 9. XXXX XXXX XXXX ( Collection Account ) Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/XXXX XXXXCHASE BANK CLOSED MY ACCOUNT AFTER I DEPOSITED MY TAX REFUND CHECK AND KEEP TELLING ME I NEED A TAX Approve LETTER IN ORDER TO GET MY FUNDS BACK BUT THE IRS TOLD NO SUCH THING EXISTS AND THE IRS TOLD ME WHY IS CHASE EVEN HOLDING MY MONEY EVERYTHING IS VERIFIED IT WAS A DEPARTMENT OF TREASURE CHECK BUT AS TODAY XX/XX/year> I STILL HAVENT RECEIVED A UPDATE OR MY FUNDS BACK AMOUNT is around XXXX $ that was left in my account and chase is holding my funds FOR NO REASON PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX  and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are falsely reporting information on my credit report. I have inquiries on my credit report that was not authorized by me. I have not received any credit from these creditors with the listed dates. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a dispute letter to TransUnion dated XX/XX/2019, requesting validation for a collection from XXXX and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting TransUnion 's method of verification for the two collections, XXXX and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by TransUnion on XX/XX/2019, at XXXX XXXX. TransUnion responded with a letter dated XX/XX/2019, verifying the XXXX XXXX   collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the XXXX and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.
Product: Debt collection

This company has been pulling my credit randomly without my authorization. Once I got a hold of XXXX and seeked legal advice I told them everything about this company and they told me to still report it to you. This company I had an auto loan that was in default. They turned to XXXX to reach out to friends and family. They got a hold of a friend and told him personal info regarding my information on how much I was past due etc. All this was done on social media XXXX. Once I found out that this was illegal I want to make sure this did n't happen to anyone else. This company will give out details to anyone on XXXX. 


*On the info I uploaded with messages it is kinda scattered dates because thats how it came forwarded to me*
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you to inform you that XXXX and XXXXXXXX XXXX XXXX XXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by IQ data saying I owed an apartment complex over {$5000.00}. When I asked for more information and that I wanted to dispute it, I was told that IQ Data did not have to send me any documentation and that I was being sarcastic and cynical. They also said I had no basis or evidence to dispute the debt. They made false claims stating I had been evicted and owed. I again asked for a break down of the debt in writing, I was told they sent it out but I have yet to receive anything. When I called a third time to ask for documentation, I was told that if I kept calling I would be sued for harassment. The XXXX women I spoke with were XXXX and XXXX. Extremely unprofessional and rude.
Product: Debt collection

Go notified that this debt collector Credence Resource Management placed a collection on my XXXX Credit Report. I never received any notice from them. 

They have average score of XXXX on XXXX XXXX.
Product: Debt collection

Eastern Account Systems continues to report a debt on all 3 credit reports that has been recalled by XXXX XXXX XXXX  not once but twice. They refuse to remove even though they have no ownership of account nor do they have a contract. It has been recalled therefore they have no rights to report or attempt to collect. Violating all FDRCA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam aware that section 6058 of the fair credit reporting act requires that the credit bureaus block the fraudulent information on my credit report resulting in identity theft. I have submitted a copy of my police report and the FTC affidavit. i would like the items posted in my report blocked in a timely manner since is hindering my ability to get a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. Transunion is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. XXXX is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to report my other credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX  XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX XXXX  XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

When my lease ended on XX/XX/20, XXXX at XXXX XXXX XXXX submitted {$1400.00} straight to collections ( National Credit System ). I did not receive any notice to dispute or pay directly to them via email, mail, or phone call since I had to move immediately. I would have paid XXXX at XXXX XXXX XXXX  directly since they charged me for not making the rent until they found a replacement renter which I also knew nothing about. I ended up paying the {$1400.00} since I could not reach XXXX at XXXX XXXX XXXX and out of fear since this was the first time I've ever had anything submitted to collections ( without communication to me ) until it was too late and past due.
Product: Credit card or prepaid card

American Express prepaid Gift card company I have reading today not to use them, just saw it or I would not have. 
I just reported American Express -they seem not to care thief recordings are not right and now they hire people who can not speak English very well before I could put my order in on their card the money was stolen, and American Express states they can not help
Product: Money transfer, virtual currency, or money service

XXXX has trapped me. I deposited XXXX about XXXX dollars their minimum withdrawal is {$100.00} but they won't let me buy more because it says I can't use my card that's already linked to keep transactions separate. Which is total XXXX  I just want my money out of there!!!!
Product: Credit reporting

Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under any status. It is not mine.
Product: Credit reporting or other personal consumer reports

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

I applied for XXXX XXXX XXXX XXXX in XX/XX/XXXX. When I applied for loan forgiveness I included employment verification for three employers : Exploratorium, The XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I reached out to MOHELA via phone and email message because I noticed that my loan payments made during my employment at the Exploratorium were not being counted towards my 120 required payments. I was told to " give them some more time '' to process the application and that those payments should appear in my account in the next few months. 

On XX/XX/XXXX, I emailed MOHELA to ask about the status of my XXXX request. I did not receive a response. 

On XX/XX/XXXX, I called MOHELA to ask about the status of my request. I was told by the customer service person that the payments I made during my years of employment at the Exploratorium SHOULD count and that my case was being " expedited '' so that it could be resolved before repayments were scheduled to start at the end of XXXX. 

I did not hear back. And nothing was fixed. 

So I called MOHELA again today, XX/XX/XXXX. After waiting 90 minutes for a call back, a customer service agent reviewed my files and said she wasn't sure why the payments in question weren't listed on my file. She put me on hold to talk to a supervisor in the Processing Department. She then came back and told me that the supervisor she was speaking to suggested that she transfer me to a different supervisor. She transferred me and a recording said to " please hold '' and I have been on hold for more than an hour. 

I have been fighting this fight for more than a year, I did everything I was asked to do, my application was completely in order, and I haven't been able to get this problem fixed despite numerous attempts and hours of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially on XXXX XXXX checking my scores when I came across 2 hard inquiries that I did not recognize. I downloaded my credit report to verify  the information on XXXX XXXX. To surprise, I had 2 hard inquiries relating to an auto loan including Ally Bank and XXXX XXXXXXXX. At the time of these inquires I was a XXXX  in XXXX therefore unable to make these inquires in what appears to be XXXX and Utah. At the moment, I do not finance any vehicle nor do I want to. I would like to have these removed from my credit report. But most importantly, I would like to prevent this form happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to Transunion, XXXX, and XXXX. I am not carrying a balance on this card. This card has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I upgraded an existing checking account to a Premier checking account under bonus offer code number XXXX. I brought in to the bank {$250000.00} as per the terms. I have maintained this balance since XX/XX/2023 which meets the terms of the offer. I still have not received the {$2500.00} offer after multiple requests to the bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports