23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. 
According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard.I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX  days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XX/XX/2022 Equifax The credit reporting company is not allowed to release my credit report to anyone without my permission, for the purpose of extending credit. The U.S. Code states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. If the credit reporting company can't provide proof that I applied for credit with that company, then they need to delete the alleged inquiries immediately.
Product: Student loan

Upon applying for the IDR ( SAVE ) plan, I was informed that my estimated payment will be somewhere around {$250.00} a month give or take. Some time towards the end of XXXX almost XXXX I logged into my Mohela account t and saw my total due amount jump to $ XXXX. I decided to submit a new IDR application just incase there was an issue. I then contacted Mohela to find out why my amount increased almost by 100 % and they were unable to explain why. They did however place my account into forbearance while they reviewed my recently submitted application to adjust the amount. This took place in XX/XX/2023. Somehow after resubmitting the application my new balance due post forbearance has gone up to $ XXXX. I have included my application submitted XX/XX/2023 for reference along with a screenshot of my current balance as of XX/XX/2023.
Product: Checking or savings account

On XX/XX/2023, I deposited a check on my account from my bank account at XXXX XXXX for an amount of {$800.00}. Since then my account is freeze without having any notice or informing me the situation or reason. 
I went to my branch and my banker XXXX XXXX ifnormed me that they need a bank statement from my account at XXXX XXXX was paid. 
I sent that information twice to him and the issue with my account remains, They are seizing my money without any valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter certified return receipt to Transunion to remove inaccurate/ incorrect information in my credit file. My only employer is XXXX XXXX XXXX. I asked that they update it and remove incorrect employers. I have one 1 job. Transunion removed the wrong items after several phones on XX/XX/XXXX and now I've noticed that they have put 2 incorrect employers back in my credit file.
Product: Credit card

Synchrony bank closed all my store cards with no reason, I had about XXXX  cards only owed about XXXX dollars in one other them. In XXXX they closed all my cards, including my Amazon store card with a high credit limit of {$6000.00}, I didn't owed any money on this card. So I called Synchrony bank and the reason they said they closed all my card is because the system thinks am a person that will file a bankruptcy in the future, a high risk.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received bill, XX/XX/year>, from XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MN XXXX, via XXXXXXXX XXXX XXXX, stating I owed XXXX {$300.00}. I called XXXX and they said I did not owe any money. I called XXXX. XXXX, XXXX, XX/XX/year>, and spoke to XXXX. I told this person this debt is not mine. I sent form provided by XXXX. XXXX, XXXX stating I want to dispute this debt because this is not my debt. I sent this form via XXXX XXXX XXXX XX/XX/year> via XXXX Mail, registered, return receipt with adult signature confirmation. I received XXXXXXXX XXXX XXXX  confirmation XXXX XXXXXXXX, XXXX received the form disputing their claim, XX/XX/year>.
Product: Mortgage

Good afternoon, As of today, I am a little over {$10000.00} in the arrears. My loan was sold to XXXX XXXX XXXX  and I was not contacted. I did a modification with XXXX XXXX ( former lender ) in XX/XX/2018. I made all payments according to our agreement. Once I made the last payment, I waited for correspondence from them giving me my new mortgage payment and date to start paying it ... .it never came. The following month I went online to pay, it stated congratulations your loan is paid in full. And once I went into my account, it showed a CREDIT in the amount of my last payment. 


It wasnt until a few months later ( with no notification from XXXX XXXX ) that I realized my loan had been transferred to XXXX XXXX XXXX. And they will not allow me to catch up. They keep stating that they have started paper work for foreclosure and will not accept any money from me unless I pay arrears in full. As each month goes past, the amount gets larger and my income is limited, so I dont have anything saved. I even asked if I could pay a bigger mortgage payment each month until arrears are caught up and the answer is NO. MeanwhIle, XXXX has never called me once to collect payment or tell me I was sold to them and no email from them either. XXXX XXXX has all of my demographics and they havent changed in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile.  XXXX. PROVIDES NO DELETE POLICY. See attatched Equifax Credit Report XXXX Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXX.WHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched XXXX XXXX statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched XXXX XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note Equifax Credit Report has XXXX Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} XXXX ending XXXX. XXXX OPENED A XXXX XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. XXXX USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. XXXX REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )
Product: Debt or credit management

In XXXXXXXX XXXX XXXX we were in default with our mortgage company and Cardinal Branch contacted me and said they could help. They said it would cost XXXX and they would need it up front before they could do any work on this so we paid XXXX for 5 month which I am now informed that this is illegal and they were not allowed to ask for payment upfront. After we finished paying them then they start on the modification for which I was only informed that the bank did not accept our application until last Tuesday and now our house is in foreclosure and has a sell date of XX/XX/XXXX. We have been trying to get a hold of them but they will not return my phone calls or my text. They did send our file to an attorney they work with who is now going to charge us XXXX for their services. Can you help us with this?
Product: Vehicle loan or lease

XX/XX/XXXX I signed paperwork at XXXX XXXX of XXXX for the purchase of a vehicle, the Sale Price of the vehicle was {$9000.00} financed through XXXX XXXX XXXX. I gave a {$1500.00} down payment to be applied to the Sale Price of {$9000.00} to bring the Sale Price to {$7500.00} for the purpose of lowering the amount financed. 

I was not notified that I could opt out of a credit check and was told it was necessary to get the vehicle. 

Around XX/XX/XXXX I received a call saying the financing wasn't approved and I should come back to sign new paperwork. 

On XX/XX/XXXX I signed the new paperwork with a new finance company XXXX XXXX. At this time the Sale Price of the vehicle changed from {$9000.00} to {$9700.00} Around XXXX of XXXX I was behind in payments, I received a call from collections asking where the car was and that they would call the cops  for grand theft if I didn't pay. I asked them to please provide me with a billing statement and they refused. 
XX/XX/XXXX I came across some information which raised some questions. I called XXXX to ask a few questions about fees and finance charges. The representative told me that XXXX doesn't come up with any numbers on the Retail Installment Contract and I should call XXXX XXXX of XXXX, the dealership I purchased the car from. 

I called XXXX XXXX who then told me that the XXXX, XXXX XXXX comes up with all the numbers on the contract. So, I called XXXX back who redirected me back to XXXX XXXX, who then redirected me back to XXXX. I still have no answer. 

I asked for a copy of my full contract from XXXX, they only sent me XXXX page and that was the Retail Installment Sale Contract. 

XX/XX/XXXX I called XXXX to get the full copy of the contract. The XXXX  XXXX told me it was sent. I informed her I only received XXXX page and I need the full contract. She then complained that it was a lot of paper and asked " what do you need it for anyway ''. I told her it was not her business, I just needed a copy, she then proceeded to get rude and said " call the dealership and get it from them ''. I then asked her if she was refusing to give me a copy of my contract and if she was I may have to get a lawyer involved. She then got really upset and yelled at me that she was " ending the call '' and to " call back when you have your lawyer ''. 

As I'm reviewing the XXXX page XXXX sent to me via email. I noticed there was a stamp on it that read " The within instrument or agreement is pledged as collateral to XXXX XXXX Bank, XXXX. '' I called XXXX XXXX to see if they have done any business with XXXX XXXX, I was told no and that they don't have any Title in my name nor is the VIN number in their system. I call XXXX XXXX back to ask what the stamp was and what does it mean. The same XXXX  XXXX mentioned earlier said " The owner of the company took out the loan and paid the dealership so I can get the vehicle '' and that XXXX XXXX was their lender. I then emailed them for further clarification and they emailed me that same statement and added that there shouldn't be any questions about anything. 

To sum it up. I never got any questions answered or any problem resolved.
Product: Debt collection

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Checking or savings account

Bank of America really takes advantage of me. 

1- when I pay a vendor online for a service, Bank of America takes 2 weeks to process the payment. Now the problem is that Boa declined the charge after couple of days and then telling that vendor declined the payment. Worse what boa does is that Bank of America will never return the money. 

I am in a loss as follows : {$100.00} submitted on XX/XX/23 for XXXX XXXX XXXX {$320.00} submitted on XX/XX/23 for XXXX XXXX XXXX I never received the service from this vendor and Bank of America never returned the money. 


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

I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.
Product: Credit reporting

I seen my credit report with alot of things on there that are not my accounts
Product: Vehicle loan or lease

XX/XX/XXXX My vehicle which was bought in XXXX was refinanced by State Farm Bank, I do make my payments electronically without any skips and after finishing my payments last month, this Bank has brought another bill of {$2500.00} to pay because the price of the vehicle is different from the place where it was financed which doesn't sound right .All the calculations were done by you the financiers and I'm suppose to finish my payments last month so why should they bill me extra and where is this money going? 
Moreover they're asking me to pay it within a specific time frame other than that they're going to add an extra 9 % interest to it .I feel very bad for this Bank because what They're doing doesn't sound right to me.
Product: Mortgage

We dealt with McLean Mortgage and XXXX XXXX was our loan officer. We had to pull out of our contract and loan to buy a home due to personal emergency reasons and with that being said, instead of respecting our decision, she took the matter into her own hands by calling my husband 's Human Resource department multiple times asking about his job security. XXXX XXXX was in no position to do this. This was not her place to do that. By her doing this, she made my husband 's life at work a lot tougher and much much worse than it was. XXXX yelled at my husband and cursed at him and told him that he was full of XXXX and that we were both acting childish. This is not how you speak to another human being, let alone a XXXX woman. She also said, '' why do n't you just get the house, and if your husband loses his job, after a month or so, just get a new one! '' By her telling us this, this lady should not be a loan officer anymore because this tells us that she has written up many loan applications to people that ca n't necessarily afford it, has no integrity and she degrades people and is absolutely awful to the clients.
Product: Mortgage

On XXXX XXXX a XXXX Nebraska Sheriff knocked on my door. He told me that he was there to serve me with a Notice of Quit, which he then explained was a pre-eviction step. I was dumbfounded since, to my knowledge, we had been paying our mortgage every month. Turns out, we were having some confusion with the bank and our checks were Their l not clearing. This had been happening for about 9 months, and up until this point, we had received no communication whatsoever. We were not told that we were facing Their l foreclosure, we were not told that our home was being sent to auction, but magically, they were able to inform us that our house had been sold and since Nebraska has no buyback plan we were out of luck. Our only option was to go to the bank and take out a brand new loan, which we could n't get because of the foreclosure. Had Franklin American contacted us before the sale we would have been able to pay what was owed, but since we had no idea we were in trouble we took no steps to save our home, leaving our family scrambling for a place to stay. Their lack of contact/communication is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

Hello. This is not sent in error. I am a consumer and information furnished to your agency regarding my credit history was provided without my written consent. This violates my rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX  I have reviewed my credit report and found no evidence that I have authorized the furnishing of my personal information to your agency. I have never provided written consent for any creditor or other entity to report information about me to your agency.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX I had applied for this card and at the time I was living at a X house in which the car was sent to my old address and I believe that my ex use my car and maxed it out. My ex had my new address and never tried to return the car to me I contacted the credit card company informed them about the situation. I was told to dispute the transactions, but later found out that they said that I was responsible for the charges I believe that this is truly on fair as I did not make any of these purchases on this card it should not be fine reliable for the transactions.
Product: Credit card

I made a purchase from XXXX XXXX. I returned all the items and paid the return fee. I then received a bill for the merchandise. I called several times and told them that I didnt owe them anything. They continued to send me bills. I placed a complaint and they finally said I didnt owe anything. But as this took them so long. They had reported my account to the credit bureau. They never removed it and it has affected my credit score by a good amount. I believe the items ordered were in XX/XX/XXXX. I even mailed a dispute on XX/XX/XXXX. They still tried to say I owed them. It took a long time before a phone call to a supervisor finally got them to say I didnt owe anything. But they made it seem like they wrote it off and closed my account. Ill NEVER buy from them again XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

According to the FCRA the credit have violated my right, also have non compliance with the right of not following the guidelines. These accounts is inaccurate and incorrect and please provide the debt of validation. These account i want remove immediately. XXXX XXXX # XXXX {$7700.00} these account is wrong and have violated my rights. Please remove immediately.