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

On XX/XX/XXXX, I contacted Experian regarding the address I wanted to be deleted from my credit report. I spoke to XXXX - Dispute XXXX XXXX # XXXX. XXXX explained that the address could not be deleted because it was been reported by ( 2 ) creditors 1, XXXX- which my account was sold and transferred to XXXX XXXX XXXX  in XXXX of XXXX. XXXX. XXXX XXXX of which I have active accounts. I offered to provide a copy of the DL to validate my address. XXXX refuses to accept this offer to validate my address. I want the address removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

On XX/XX/XXXX, a payment was made to my credit card that I did not recognize or authorize. I immediately called Capital One to dispute this payment as fraudulent, as I did not know whose bank account made the payment. On XX/XX/XXXX, I called again to reiterate the dispute and to address the fact that my accounts were showing up as restricted. Capital One informed me that both of my cards and accounts were restricted until they received a bank statement from the account that made the payment, as proof of ownership. However, since I did not make the payment and do not have any information about the account, I explained that obtaining such a bank statement was impossible. I called again on XX/XX/XXXX to get more information and was informed once more that they could not lift the restriction on the cards until I provided the bank statement for an account that I do not own and have no information on. Capital One is insisting on this document despite it being impossible for me to obtain.
Product: Debt collection

On or about XX/XX/2018 approximately XXXX hours. I received a phone call from XXXX XXXX of NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA. The agent XXXX XXXX stated I owed XXXX XXXX {$3500.00}. I explained to the agent the debt is fictitious, and to cease and desist all communication with the aggrieved party XXXX XXXX. I have no contract nor engaged in commerce with NATIONAL CREDIT SYSTEMS or any subsidiary. The agent taunted, became belligerent and before hanging up abruptly! The agent ( XXXX XXXX ) stated " That's why it's going to be placed o your credit report ''. On XX/XX/2018, I forwarded a CEASE AN DESIST letter to : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, XXXX. to the attention XXXX XXXX. On XX/XX/2018, I received notification from XXXX XXXX and XXXX  that NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA indicates I owe {$3500.00} in debt. This shows the malicious and criminal practice of this company. I have no contract and never engaged in commerce with the criminal organization. The company has committed a crime against the XXXX XXXX XXXX along with using subversive tactics to prevent any dispute of this fictitious claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 
Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. Please provide a audit trail for the accounts and inquiries below. 

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received emails and phone calls regarding a student loan for XXXX XXXX that I never cosigned for. I want my credit report cleared and damages for undue harassment. Navient needs to go after XXXX XXXX for repayment
Product: Debt collection

According to my credit reporting agencies my credit cards are owed at balance. Unfortunately, the balances are old from bankruptcy discharge or extremely old from the past 10 years. This reflection is causing a serious impact on my credit from lenders. All three credit agencies have yet to remove past good or bad credit in order for consumers to gain fair review from lenders. They continue to list 30 % of debt with {$6000.00} in credit that doesnt exist. They have also failed to remove old credit that shows derogatory thats over 7-10 years old. Therefore, me being a consumer has been trying to improve my credit for years but still havent gotten anywhere. Please help please request my credit report from Experience since your information is on their account XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a LLC which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only XXXX things that continues to hurt like SEVERELY HURT MY SCORE! XXXX asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **XXXX** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an LLC and these illegal items are hurting me. I signed up for XXXX XXXX XXXX XXXX, but I have to UNFREEZE MY REPORT so positive information can be added but I need these XXXX illegal items removed. 

XX/XX/XXXX Please remove these illegal items off my report. I have no clue why this process has taken so long. This is ridiculous and unfair. As you can see my score has beyond trending in the right direction. The above mentioned items please remove off my report!!
Product: Mortgage

since XXXX of XXXX when I received first a mortgage increase from NEWREZ of almost {$400.00} a month higher. 
First error they were showing my taxes due 3 times a year that was corrected. 

Then they paid XX/XX/XXXX second half taxes in XX/XX/XXXX and I provided them proof which matches the withdraw amount from my mortgage analysis they sent on XXXX. 

But they will not remove the amount showing they are paying it again XX/XX/XXXX. I have already sent them evidence that the county shows they paid them ahead of time in XXXX. If they pay attention then my account is not short and I can go back to my regular payment. They will not even allow me to make my regular payment while they fix the issue causing a financial hardship to my household. I been dealing with this going on 3 months. Then I called the tax department at Newrez but their escrow and tax department have me going back and forth and do not communicate between each other as the tax department does show it paid. I keep asking why can't they communicated between each other and they said they can't. worst Mortgage I ever heard of.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

On   XXXX   XXXX  , 2017, I went to the   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  branch of Citizens Bank of Pennsylvania ( hereafter, Citizens Bank ) and opened a Clearly Better Business checking account. I worked with a bank representative to open this account. During this process, I explained to the representative that I did not want overdraft protection. I understood that Citizens Bank could charge fees for paying my overdraft charges, and I did not want to pay these fees. I was told by the representative that my account would be configured such that overdraft charges were not paid, and therefore no fees would accrue.
On  XXXX / XXXX /2017, Citizens Bank paid a charge to my account that resulted in an overdraft fee of {$39.00}. Subsequently, on  XXXX / XXXX /2017,  XXXX / XXXX /2017 and  XXXX / XXXX /2017, Citizens Bank charged Sustained Overdraft Fees of {$30.00} each, for a total of {$120.00} in fees following a single overdraft event. I can provide screenshots of my Citizens Bank online account homepage to substantiate this.
My complaints are as follows : 1 ) Citizens Bank intentionally misled me during the opening of this account. I was told no overdraft service would be provided, and no corresponding fees would be charged. This was false.
2 ) Regardless of whether Citizens Bank agrees with # 1, above, Citizens Bank violated its own terms when charging Sustained Overdraft Fees. On page 9 of the Business Deposit Accounts Fees and Features document provided to me when I opened my account, under the Sustained Overdraft Fee heading, the document states, If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn up to a total of {$69.00}. The Sustained Overdraft Fees that Citizens Bank actually charged are not calculated in this way ( the {$6.00} fees that Citizens Bank claimed it would charge can never multiply evenly into the {$30.00} fees that Citizens Bank actually charged ). Further, Citizens Bank has thus far charged a total of {$90.00} in Sustained Overdraft Fees for a single overdraft event, far exceeding the stated cap of {$69.00}. Citizens Bank has therefore violated the terms governing my account, as stated in the document that Citizens Bank itself provided to me at the time I agreed to open the account, in an intentional effort to defraud me out of additional monies.
3 ) Citizens Bank did not inform me via USPS mail or email that an overdraft had occurred, or that Sustained Overdraft Fees were accruing. I only realized this because I logged into the Citizens Bank website for an unrelated purpose. Citizens Bank intentionally did not notify me of an overdraft in an attempt to maximize the time until I could resolve the overdraft during which time the bank could continue to accrue fees for itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX 's XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Equifax does not properly investigate and dispute and fails to remove errors of reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source EXPERIAN Alert Date XX/XX/2020 Inquiry Date XX/XX/2020 NameXXXX XXXX XXXX XXXX   XXXX Phone ( XXXX ) XXXX Business Type XXXX Street AddressXXXX XXXX XXXX XXXX XXXX XXXX City XXXX State GA Zip XXXX WHY would SBA pull my credit report? I did not apply for a loan. And, good luck getting through to them now.
Product: Vehicle loan or lease

Original service terms were voided due to falsely writing into loan misrepresentation of things bought, and fees paid for at signing on XX/XX/2022! Then I was given a APR yearly quote over a course of 6 years vs an APR over the complete duration of the loan for a used vehicle. The bill of sale was falsified and created onXX/XX/2022Instead of XX/XX/2022 An no signature is recorded on this document, see document for details! Excessive fees in the amount of more than {$11000.00} were assessed! That were cancelled the day the loan was created per the representative at XXXX on XXXX regarding my extended warranty and gap coverage. As I tried to trade the vehicle in when all this information was exposed! The company was paid more than {$30000.00} for a vehicle that was valued at only {$16000.00} from XXXX XXXX XXXX who didnt even verify the information sent by the dealership before payment and assessment of fees
Product: Credit card or prepaid card

on XX/XX/2020 i called my freedom chase credit .regarding why i was late for the payment of the month of. XXXX .i told them i was out of the country that i was going to pay my credit card. and i did on XX/XX/XXXX after i paid XXXX next day they decrease my credit limit from XXXX to XXXX! i think is not fair i always paid my card. i called many time to fix this problem and restore my credit line, but they are using that i have collection with XXXX for XXXX dollars.when i applied for this credit card that was there already, and i don't have delinquent account with chase .i think this no fair or even legal to that to a person .my concerning is my credit score will get affected. i want to restore my credit line after i paid that big amount. when i call before customer service told me not to worry about it that i just have to made a payment of XXXX on XX/XX/XXXX. but i paid XXXX cause i really want it to have my credit line up to date .am really confuse i think this is not rigth. thats why am making this complaint.
Product: Credit card or prepaid card

Capital One approved for a small line of credit. Requested proof of identify. I sent a copy of my license and lease after verifying that I was able to verbally verify my ss number. 4 days later, I was told after I called back that they needed more information. They stated several times that this was standard for new accounts. I get a letter at my previous address, where my mom resides, that says it was due to information not matching at the credit bureau. I then, get my ssn card directly from the administration office and send it over with a copy of my water bill because my lease wasnt enough proof of identity. At this point, they said the id was too blurry and said no it was too dark. Later, we determine nothing wrong with the ssn card sent, but they needed to see a full bill not just the part containing my info because the water company was closed and could not verify the address. I send a full bill and qas disconnected from the phone. At this point, I call back to find that the full bill is not good enough. The delay and repeated phone calls while collecting my information is high unethical. I am also pretty sure they were sending it to some foreign country where they outsourced a call center. No one can verify anything and a manager could not be reached. I spent hours on the phone even though it was an online application and I verified all my info and more. There are some weird practices going on and they need to be investigated.
Product: Checking or savings account

My Credit Score Report states I have a account with CB Indigo- Bank . I have never heard of it nor I ever apply for an account with them. 
CB Indigo- XX/XX/23.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL BUREAUS.
Product: Debt collection

On Friday, XX/XX/year>, I was contacted by a collection representative from Chase Bank about two old credit card accounts. Both accounts are out of the statue of limitations in Ohio and both accounts were improperly opened and used by my ex wife without my knowledge. She was in charge of the finances and recently I found out that she opened numerous credit accounts in my name ruining my credit. We are now divorced and due to the time period being out of statue of limitations the police would not even take a report. 

Chase was previously provided all this information but still pursue which is frustrating to me. 

The representative was trying to collect the debt and i advised them again of this information and the fact that it is out of the SOL and they said we wont sue you and then proceeded to offer a settlement. When I told him I could not afford the settlement he was offering. He told me that then my case will be sent to the pre-litigation department for further action. This is a threat and an insinuation that I will be sued when they know they cant do so in order to try to get me to pay. This is a violation of the law and I could sue Chase for this and win, but I just once this to go away as I didnt open or benefit from these accounts. 

I do wonder how many other consumers they have threatened with litigation when they know its out of the statue of limitations?
Product: Credit reporting or other personal consumer reports

Experian has sent me a computer generated letter denying my right to dispute the information on my consumer report. I have sent them the proper documents and they continue with unlawful practices. 


Here is the same letter they refused to accept even though I have given them all information to properly investigate their unlawful reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
XXXX XXXXXXXX, Virginia XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Request for Assignment Contract Account Number : XXXX Dear Sir/Madam, I am writing to formally request, for the second time, a copy of the assignment contract related to the above-referenced account, which has been assigned to your agency for collection. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the authenticity of the debt and the legitimacy of the assignment of this account. Specifically, under Section 809 ( a ) of the FDCPA, I am entitled to request and receive validation of the debt you are attempting to collect. This includes obtaining the original contract or assignment that proves your right to collect this debt.

Additionally, under Section 623 of the FCRA, I have the right to dispute any information reported by a debt collector if it is not accurate or if I have not received adequate proof of the debt. As such, receiving the assignment contract is crucial for me to ensure that the information reported is correct and that your agency is authorized to collect this debt. 

Here are the details for the account in question : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Current Status : {$430.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Please provide the requested assignment contract at your earliest convenience. If you fail to provide this documentation within 30 days from the date of this letter, I will consider the debt invalid and will take appropriate actions to protect my rights under the FDCPA and FCRA. 
Under 15 USC 1681a of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( d ), a consumer reporting agency may only furnish information about a consumer 's credit if it has a permissible purpose and, generally, if the consumer has given written consent. In this case, I did not provide written authorization for the inclusion of the referenced account on my credit report. Therefore, the reporting of this account is in violation of the FCRA, as it was furnished without my explicit consent. The failure to obtain proper consent undermines the statutory protections designed to ensure that consumer information is handled with the consumer 's knowledge and approval. 

Thank you for your prompt attention to this matter. Please respond to the address, or email listed above. 
Sincerely, XXXX XXXX
Product: Debt collection

To : LVNV Funding/Resurgent Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Debt Amount or Balance : {$18000.00} Dear LVNV Funding : I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. 
Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer XXXX. 
This is my 3rd time reaching out to you guys, 2nd time requesting a signed agreement or contract between ALL parties. I expect a response with not only supporting documents, but signed documents between all parties including the original creditor, within 15 days or less. If XXXX is unable to do so please have this removed from my credit report immediately. The documents submitted on both occasions by the collection agency are NOT what I am requesting, please read this letter carefully for better understanding. Per say FCRA 1692g ( b )
Product: Credit reporting or other personal consumer reports

I have requested detailed explanation and evidence of the verification process from Equifax, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPBs assistance in ensuring that a thorough investigation is conducted and that Equifax provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. This is not my account.