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

These are not my accounts or inquiries Hello I'm a XXXX and I'm very busy. I have so many inquiries and collection accounts that doesn't belong to me I need them removed please. How can a collection agency put information on your credit and you never signed anything with them? This is all illegal. There's no names of these agencies. They talk very unprofessional. They cant proof this is mines. I contacted the three credit bureaus several times and no answer to a solution. They say its the collection agency the collection agency says its the credit bureau INQUIRIES XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX  XXXX  llDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of XXXX : XXXX Inquiry : XXXX XXXX XXXX XXXXXXXXDate of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX EQUIFAX XXXX : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX TRANSUNION XXXX : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXXXXXX, XXXX, VA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX  of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXtDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, GA XXXX | ( XXXX ) XXXX ACCOUNTS Balance {$450.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX {$560.00} XXXX XXXX : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX {$470.00} XXXX XXXX : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX : not available
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX and I have been the victim of a phishing scam. 
I wanted to transfer money from my TRADESTATION broker account with TRADESTATION BUILDING XXXX XXXX XXXX XXXX, XXXX, FL, ZIP XXXX and XXXX XXXX account to open another account at XXXX XXXX in XXXX. 
The problem came because the criminal impersonated the identity of an XXXX XXXX sales agent and I made two transfers ( below and in the attached document I indicate dates and amounts ). At no point did I suspect because I have done this several times this, and everything seemed normal. 
First he told me to make a transfer to an intermediary bank whose details are : XXXX XXXX XXXX XXXX XXXX., MAIL XXXX XXXX XXXX XXXX XXXX, NEW YORK. XXXX - XXXX XXXX 
Then the money would go to an account in XXXX. The data of this entity are : XXXX XXXX XXXX XXXX XXXX. 

In any case, the money had to go through XXXX XXXX XXXX XXXX XXXX before reaching XXXX ( I'm not sure about this ). 

In my opinion, TradeStation should have correctly verified the details before confirming the transfer, as my name does not appear on the destination account. Nor did the name of any other person or entity appear in this destination account, only the initials XXXX XXXX as the owner and beneficiary of the money. Of course, I also take my share of responsibility for not being more vigilant. However, if TradeStation had been more diligent with the transfer, none of this would have happened. 

The transfers made and the dates are as follows : First transfer : Date : XX/XX/2021 XXXX : XXXX XXXX. 
Transfer method : Wire Transfer Origin Entity : TRADESTATION SECURITIES Destination entity : XXXX XXXX destination entity : XXXX XXXX XXXX XXXX : XXXX XXXX transfer : Date : XX/XX/2021 Amount : XXXX XXXX. 
Transfer method : Wire Transfer Origin Entity : TRADESTATION SECURITIES Intermediary bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account number at the intermediary bank : XXXX Account Title : XXXX XXXX Destination entity : XXXX XXXX destination entity : XXXX XXXX XXXX XXXX : XXXX  I attach screenshots of the transfers made and also of some emails where the bank details appear.
Product: Debt collection

Greetings, to whom it may concern, I XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate XXXX XXXX XXXX. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at XXXX recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF SURETY ACT & BOND No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF SURETY ACT & BOND NoXXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX / XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, TN XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Ive already spoken with National Credit Systems. Told them they are trying to collect the wrong amount, the information they have is incorrect and inaccurate info. I told him several times, called back in XXXX of 2023 to discuss this. Nothing but attitude from this person.
Product: Student loan

Hi, I was enrolled in auto debit for both my loans with Sallie Mae. I setup payments to be withdrawn on the XXXX of every month. The first auto payment for both loans was set to be auto debited on XX/XX/2020 ; however it was not. I checked the website and it said that I was enrolled. 

After that, I was charged a {$20.00} fee and approximately {$55.00} in additional interest. Furthermore, my stepdad a cosigner, was notified as if I was delinquent. 

When I called to have the fees reversed, the first agent I spoke with disconnected me after being on hold for 30 mins. The second agent seemed incapable of understanding this issue. Furthermore, she would put me on hold for 10-15 minutes to investigate an issue that I could see just by logging in. 

I repeatedly asked if she could refund the additional interest and the {$20.00} fee and she had difficulties even locating the transactions ( should be at the top of her report as they are recent ). When I expressed my lack of confidence in her ability to resolve my issue, she stated that she would transfer me to another department. During the transfer she initiated, I was disconnected again. This after being on the phone for over an hour. 

The agent 's identification number is : XXXX And while I listed just one agent ( the last one I spoke with ), both the agents I spoke with on XX/XX/2020 were incompetent. I spent approximately 1.5 hours trying to get this resolved and nothing seems to have happened. I'm sure Sallie Mae has a record of the first agent. 

The agent continually stated that the payment wasn't processed due to insufficient funds ; however, I can not only prove that I had sufficient funds on XX/XX/2020, I can also prove that no overdraft fee was charged to my account on XX/XX/2020 which would've happened had the charge been processed and I did not have sufficient funds. The system did not attempt to process the transaction. 

I would like to have all additional interest and fees associated with Sallie Mae 's failure to process my auto debit refunded. Approximately {$72.00}. 


{$20.00} fee on XX/XX/2020 ~ {$12.00} additional interest on XX/XX/2020 ~ {$40.00} additional interest on XX/XX/2020 Best, XXXX
Product: Checking or savings account

On XX/XX/2021 I was sent a wire transfer from the SBA for {$15000.00} for a business grant. I had my grant sent to Citi Bank. I had an account ( checking 's & savings ) with them for about 6 months at the time of transfer. Once the transfer was completed. Citibank chose to close my account, after the transfer was completed. My account was closed XXXX XXXX. Per their own policy after 60 days the funds will be sent to the SBA or they will issue a check back to me with the remaining funds. After 6 months of calling and waiting Citibank expressed to me that the accounts were closed and the funds will be returned to the SBA. It is now XXXX XXXX and the savings account is still open even though i have no access to the account. And my funds are still being held by Citibank. I spoke with a rep and they advised me that i need to now send in more documents for them to even close the account and send the money back to the SBA. I have contacted the SBA but they can not help me until the funds are returned.
Product: Money transfer, virtual currency, or money service

In XXXX Someone hacked my cashapp and transferred about XXXX through bitcoin, So I am submitting a claim to the Cash App settlement as a result of unauthorized access to my account between XX/XX/XXXX, and XX/XX/XXXX, which led to fraudulent transactions and financial losses. I am requesting compensation for the documented losses incurred during this period, including unauthorized withdrawals and transfers, as outlined in the attached documentation, which includes transaction details and relevant communications with Cash App customer support. Pursuant to the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Act ( CFPA ), I am hereby submitting a claim for unauthorized transactions that occurred within my Cash App account, resulting in financial losses due to unauthorized access and fraudulent transfers. I am requesting compensation for these losses as part of the Cash App class action settlement, as I was a victim of unauthorized account activity that violated my rights under both the EFTA and CFPA. ''
Product: Debt collection

company name is XXXX XXXX XXXX XXXX. this company is claiming i owe them four different credit card accounts. 

which are listed on my credit report. I've been back and forth with them almost a year disputing these amounts and requesting proof of debt.until this day i have not received. this company is falsely stating on my credit report report that the debt has been verified which has not been. i have disputed with all credit bureau 's and because of the false information written on report the credit bureau do not go further with investigation. I've sent another letter today to all credit bureau and including debt collector once again asking to verify debt for all four accounts. i would assume if i don't receive notice within 45 days as stated by the law that this should have been removed by credit bureau. all i'm asking is for some help in clearing up this mess on my credit report. thank you
Product: Credit reporting or other personal consumer reports

Transunion is reporting 2 account incorrect. The XXXX XXXX XXXX  is not my account and she be removed asap. The other account which is XXXX XXXX she be reporting charge off. They have already repossessed car and sold it.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$17000.00}
Product: Mortgage

I requested elimination of the PMI imposed on my property since 2004. The property was bought for XXXX and the lender, New York Community Bank based in XXXX has been denying the removal of the PMI. We sent a check for them to make a re- assessment and they used XXXX 'comparables ' priced at XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX which clearly indicates that the loan to value ratio has increased. In a very suspicious way they used a number called " Quick Sale Value '' of {$490000.00} to again deny the removal and ask us for {$2600.00} to remove the PMI. The numbers they used are arbitrary and had no foundation other than to keep stealing money from us, hard working middle class workers.
Product: Credit card or prepaid card

on XX/XX/XXXX {$220.00} was automaticly taken from my Five Star Bank account by XXXX. The due date for the credit card bill was XX/XX/XXXX as stated on my bill. On XX/XX/XXXX and XX/XX/XXXX three over draft charges for {$40.00} were applied to my five star bank account, {$120.00} total. I spoke to a representative at Barclay who credited my five star account on XX/XX/XXXX the amount of {$120.00}. on the same day the {$120.00} fee was then added to my Barclay credit card. I spoke again to a representative at Barclay and got the run around. The card is now closed and I paid off my debt on XX/XX/XXXX. The {$120.00} fee is still on my account! I have received two letters from Barclay one stating my inquiry has been resolved. date on the letter is XX/XX/XXXX. on XX/XX/XXXX I received another letter stating there is a {$120.00} balance still on my closed account. Please help with this mess. Thank youI
Product: Debt collection

I noticed my credit score drop. When I Iooked into my credit report, I found this account on there. I tried calling the company to notify them but they have not responded to my letter.
Product: Vehicle loan or lease

On XXXX XXXX  my husband XXXX and myself went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .We bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three days my husband took it to his mechanic and he told us the motor was blown we took it back to the place we got it from and the lady there told me i should have took it to the mechanic before we bought it. the guy who sold it to us wasn't in he had XXXX. The car is burning oil. We ca n't drive it any where without having to put oil in it. Blue smoke is coming out of the tail pipe. They had not changed the oil in the car before they sold it to us or anything. We took it to the other XXXX XXXX on the XXXX  to talk to the manager and he said he couldn't give us our money back, because we had had the car for seven days, but he knew that his mechanic had came over to the place we bought it from that friday on XX/XX/XXXX and put 2 quarts of oil in the car, because you couldn't read anything on the dipstick XXXX XXXX gave us an appt to check the car out XXXX and he wasn't kind enough to give us a loaner car while they serviced our car. we have never been treated so bad by a car dealership before.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Product: Student loan

I borrowed {$8000.00} from Sallie Mae. I have paid around {$4000.00}. My loan has been sold two times and now Navient owns my student loans. Navient claims I owe over {$12000.00} on the loan. This makes no sense. I called and offered to settle the loan for {$5000.00}. Navient told me " No ''. 
Navient has created a situation where I can never pay them off. I want to completely severe ties and no longer have this scam debt. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent publicized Equifax Inc. hack of 145 million Americans extremely private data and me being impacted by this  leak, according to their own website, I am making this complaint. I literally have lost ALL of my private identity information to who knows where. My date of birth, social security number, banking info, address and all information stored by Equifax is now lost forever from any sort of privacy. I have put fraud alerts on my reports but this information will be forever able to be used by identity thieves.
Product: Debt collection

Progressive Management has reported a debt that does n't belong to me with all three bureaus. I requested that they validate this debt and delete it my certified mail once in XX/XX/XXXX and again in XX/XX/XXXX. They 've yet to validate or delete it and it 's impacted my credit score negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to Ocwen and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Product: Checking or savings account

This bank holds pending transactions for ( 30 ) days which should be illegal.When you get a hotel or something and they place a security hold on funds once the hotel release those funds the bank holds them for ( 30 ) calendar days which is illegal and they should be liable for a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit reports, names and addresses, and a few accounts that dont belong to me and they refuse to delete them
Product: Debt collection

Aspen National Collections acquired my 2022 unpaid maintenance fees from Vacation Village a time share that I foolishly signed up for and only use used once maybe 15 years ago. The account representative XXXX XXXX set up a payment schedule to discharge the debt ( now much larger due to their fees ) where I would make 2 payments of {$500.00} in XXXX and XXXX, and XXXX final payment of {$200.00} in XXXX. This was done. 
Thinking this burden was behind me I was shocked to get another bill dated XX/XX/XXXX for XXXX. The letter stated that suitable arrangements had not been made, plus that I was responsible for interest that accrue day to day. I called immediately. They blamed a typo for the issue and stated that the original agreement was a mistake. 
They said they always manage collections in equal payments and any recollection on my part of the rep saying otherwise at the time he set up the schedule was wrong. They made no acknowledgement of any fault on their part and proceeded to threaten my credit and warned that the balance will only get bigger the longer I resisted payment. 
Aspen is bad at Accounting and unfaithful to their agreements. Their fees are predatory and they callously advise debtors to open credit cards to pay collection debt.