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

Back In year XXXX, I was the co signer for a loan for my ex son in law, XXXX XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX advisor. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually XXXX XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IQ Data and XXXX XXXX regarding a serious error that has significantly impacted my credit report. I was a tenant at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, for XXXX years, during which I consistently paid my rent on time. On XX/XX/XXXX, I moved out, leaving all accounts settled with XXXX XXXX. 

To my surprise, in late XXXX, I received a communication from IQ Data stating that I owed {$500.00} to XXXX XXXX. I immediately contacted IQ Data, explaining that this debt was incorrect and requesting that they contact XXXX XXXX to resolve the error. I also visited XXXX XXXX, provided them with the collection notice, and was assured that they would rectify the situation with IQ Data. In fact, XXXX XXXX confirmed that I had no outstanding balance and even issued me a refund of {$850.00}. 

Despite my repeated assurances from XXXX XXXX that they had communicated with IQ Data to clear up this mistake, IQ Data continued to pursue the debt. They called me twice, and each time, I reiterated that the debt was not mine. I even provided them with my account statement, clearly showing that I owed nothing to XXXX XXXX. Yet, IQ Data persisted and unjustly reported this false debt to my credit report, causing significant harm to both me and my son, who was also listed on the lease. 

The collection agency, despite having clear evidence that I did not owe any money, failed to take appropriate action to verify the information with XXXX XXXX. As a result, they have wrongfully reported me as a debtor, severely damaging my credit. 

To further support my case, I have attached a document that clearly shows I do not owe any money and that I never had any outstanding debt with XXXX XXXX. This document serves as clear evidence of the mistake made by IQ Data in pursuing this collection and reporting it to my credit file. 

I wish to bring to your attention the violation of my rights due to this false reporting. Both IQ Data and XXXX XXXX have failed to take responsibility for this situation, leaving a damaging and incorrect report on my credit history. This has not only affected my personal life but has also caused considerable harm to my financial standing. 

I respectfully request that the XXXX require IQ Data and XXXX XXXX to take immediate action to correct this error and notify XXXX to amend my credit report without delay. The negligence of these companies has caused undue damage to my credit, and I seek your intervention to protect citizens from such abuses. 

Thank you for your prompt attention to this matter, and for reviewing the attached document, which clearly supports my claim. 

Sincerely,
Product: Student loan

They say I owe 2 loans one for XXXX $ and one for XXXX $ and it was taken out sine XX/XX/XXXX XXXX the lender is department of education Nel Net and this loan is completely impossible because I never took a loan out in fact the time frame their saying this happened I was actually homeless, XXXX XXXX XXXX XXXX XXXX In no way shape or form was I ever thinking about going to school this is fraud. I've contacted thos loam place 3 times and they keep saying their Sending paperwork for fraud papers to fill out and then nothing comes in the mail. This is on my record and I've never went to school!! My banker told me to contact you guys for help.
Product: Checking or savings account

Good afternoon, There were two deposits ( for {$3000.00} ) made to my personal account from XXXX for my wife. JP Morgan and Chase said that the two deposits would be sent back to XXXX and my account would be closed, but that the remainder of my account ( {$54000.00} ) would be mailed to me in a form of a check on XX/XX/XXXX ( 10 days after the initial restriction was placed on my account. ) I called today to confirm that the check for {$54000.00} was mailed, but was told that the entire amount is being restricted after the account closure and that the money can not be sent to me, but instead will be held for 2-3 years and given to the state as unclaimed. I am asking them to mail me a check for my funds, but they are refusing. Please assist. I spoke to 20 different customer assistance clerks, few managers and went to a branch a number of times, with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fix my credit reporting regarding my student loan with Equifax Credit Reporting XXXX  times and the information is still not corrected. They continue to show my student loan with an original balance of {$37000.00} with a negative credit limit of {$21000.00}. This is incorrect information. I have XXXX consolidated loans ( XXXX ) {$36.00}, XXXX and ( XXXX ) {$21000.00} with a total balance of {$57000.00}. My student loan was in forbearance for much of the COVID19 pandemic and my student loan is in good standing. Equifax continues to show the credit as poor and that I owe a high negative balance. I am tried to use the dispute on Equifax XXXX times and they have failed to correct the information. I seek assistance from CFPB to help with this issue and to hold the credit reporting agency to make the corrections so that information is being reported accurately.
Product: Debt collection

I dont know what happens maybe one ore more company use my social security number and my data I never been this company XXXX XXXX never sign nothing and never received document with XXXX account information
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX Balance : {$770.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Wells Fargo regarding their handling of a dispute that has now exceeded 90 days without resolution, even after the merchant reversed the transaction and failed to refund the consumer. 

Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My evidence clearly indicates that Wells Fargo received the reversal from the merchant, yet they have failed to refund the consumer within the 90-day period. This suggests that either the bank is extremely inefficient or is deliberately engaging in a negative customer service approach. 

I am submitting this complaint in the hope that the authorities will oversee this matter. 

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

In XXXX and XXXX I wrote a letter in writing to verify the following account. I received a response the account was verified with no proof provided as requested. Also XXXX XXXX XXXX sent me a consent of treatment form along with an itemized bill, that I did not consent for 3rd party. Therefore I took it upon myself to investigate. On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX requesting them to provide the following as validation : *Copy of my signature with the provider of service to release my medical information. 
*Contract showing I signed with the CA to disclose medical information. ( THE CONSENT FORM IS NOT A CONTRACT WITH THE 3RD PARTY ) *Details on rather the contract was sold and amount. 
*Copy of contract allowing 3rd party to collect and report to the Credit Bureau XXXX 
*Texas Surety Bond information as required by Sec.392.101 As of XX/XX/XXXX, I have not been provided with the above and I also wrote to BBB to assist and they failed to respond to them with 22 days.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> GM Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification GM Financial, I am writing to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter.

1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports. 
3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated XXXX hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Money transfer, virtual currency, or money service

I was promised for my money that I won from another app to transfer to PayPal, so I created a PayPal account so the money could transfer but now it is saying that I wont be able to get the money I won
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX and a XXXXXXXX XXXX  and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : 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 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 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 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 XXXXXX/XX/XXXX. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for me?
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX {$240.00}
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 correctedXXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns, I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. 
The account from XXXX XXXX XXXX XXXX is resulting from Identity Theft should be blocked from my credit report. The account number to this account is XXXX Please block this information from my credit reports, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 




Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from fraud within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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 information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the XXXX
Product: Payday loan, title loan, or personal loan

All of sudden I keep receiving e mails from this company Affrim. It is a loan company that XXXX uses. I have never taken a loan out I have always paid for all products that have been ordered though XXXX, they started taking money out of my debit card on fill. Of XXXX I had to fill a dispute and charge my debit card after looking at the charges I already paid this in full. They keep sending me threating e mails that I owe them XXXX for items I paid in full with my debit card on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent information in my credit report. Ive tried to straighten this out with them and the creditors by submitting documentation validating fraud however the company doesnt comply with the law. The XXXX accounts and XXXX XXXX XXXX  accounts are all fraudulent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and I noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/2019 I noticed a medical collections on my trans union report. This is an invalid debt, and I believe a person with a name similar may have a medical account, but I have never visited an urgent care, nor have I ever been without medical insurance. Im not sure if the HIPPA laws would even allow TransUnion to verify this debt prior to adding to my credit report, as they are required to under the FCRA. So im not even sure how Transunion came to adding this account but it isnt rightfully mine.
Product: Mortgage

Lender provided me with a Loan Estimate on XX/XX/28 and refused to honor the rate on the Loan Estimate when I asked them to lock it just XXXX minutes after receiving. The manager in the email chain indicated the Loan Estimate didn't have today 's rate on it, even though it was dated that day. They should be disclosing accurate information with the correct rates if that is the case.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I paid for a copy of my consumer report and found that unfortunately there are fraudulent accounts and incorrect addresses and improper use of my consumer report by the credit reporting agencies.
Product: Checking or savings account

deposited a check to chase bank. they froze my account closed it.. telling me they could not validate check with the business phone number on the check in their database. 
they will not release the funds in the amount of {$5200.00} till i supply them with a valid number that appears in their system. but the check is valid the check was issued by XXXXXXXX XXXX XXXX XXXX XXXX florida through a XXXX bank in IL i spoke to an associate at XXXX bank named XXXX XXXX XXXX who was able to validate the business with me but chase will not call the bank the phone number on the check is XXXX the check number XXXX issued XX/XX/year> from acct ending in XXXX routing number XXXX chase originally told i had to come into the branch with two valid ids then id fo in theyd tell me i had to call a number id call they tell me i have to go into a branch then started with the excuse they couldnt validate the number then they did but still decided they were closing the account and would mail me a check between XXXX business days so i waited but never received when i started calling them back they gave me the same run around i went into the branch they said theyd mail the check in 7 days this time but theyd review to ensure the check wasnt cashed then i get a call that i have to call a number i get the number to chase and again they couldnt validate the business number to the check maker. the number. is valid its just not showing up in their data base and they dont call to validate over the phone.. they just go by a database of business numbers that is clearly not up to date and or in accurate
Product: Mortgage

I have paid the final amount due on a mortgage, a refund was due to me in XX/XX/XXXX. I have called on a few occasions to ask for my refund to be processed. The amount was due to me in XX/XX/XXXX in the total amount of {$300.00}, I did not rec. the check. Call in XX/XX/XXXX to inquire when will I expect my refund. XXXX at the call center stated they will send a replacement check. I have not received it as of today. 

XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$94.00} I am still waiting for a refund of {$300.00}