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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company first of all charged me XXXX dollars to get my credit score then said had to send to me ok fine put me in a electronic loop to get into my transunion account I paid everything off and they take XXXX points ... everyone else gave points I call them 10 mins later I have XXXX points removed. Something doesn't add up. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to Equifax, XXXX, nor XXXX.
Product: Mortgage

Someone has been fraudulently accessing my account, and they have my SSN and identification information. I 've called Chase 4 times requesting that security measures be placed on the account to prevent authorized access and disclosures. At first, after 3 hours on the phone with Chase, they said all they could do was change the account number and not allow access by SSN. However, I just called in today, and their system only asked for the last    XXXX   digits of the SSN, and it let me into the account. When I called Chase t oday, they now say they ca n't even do  (  the above ) as promised earlier and there is nothing I can do to secure access to this account. Today they tell me that are unable to change the account number and/or restrict access to anyone that calls in with the last  XXXX  of my SSN. I 've asked to speak to a supervisor and they refuse to transfer the call. The last person at Chase who I spoke to is  XXXX   XXXX ,  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. XXXX  failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to XXXX  dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, XXXX  must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified XXXX  of the problem on XX/XX/2020, XXXX   continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, XXXX  continues to report the inaccurate information on my consumer credit report from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Balance {$240.00} Last Payment Amount {$0.00} Original Amount {$240.00} Original Creditor XXXX XXXX XXXX XXXX ) Past Due {$240.00} I have no knowledge of this account it was open without my permission.
Product: Checking or savings account

I just gotten my State Income Tax Refund into my Huntington National Bank Account and then a couple hours after that they closed my account and put it on hold for 14 to 21 days. I now can not get access to my funds nor to my online banking. I called them and they told me that my funds and the online banking would be available within 14 to 21 days from now. That means I don't have access to these funds until about to XX/XX/2020.
Product: Debt collection

I was garnished in the summer of XX/XX/XXXX by XXXX XXXX XXXX XXXX who represented Capital One Bank regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XX/XX/XXXX. I  assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the XXXX XXXX XXXX XXXX ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is XXXX XXXX XXXX responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XX/XX/XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XX/XX/XXXX and mailed on XX/XX/XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XX/XX/XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. XXXX XXXX XXXX XXXX currently owes me {$280.00} as I have overpaid on this debt.
Product: Student loan

Navient took advantage of me from the years of XXXX - XXXX. I basically struggled to find support from my family, and even worked full time yet I still needed student loans to go to college. I was stupid, and did not realize the consequences of my actions. But they preyed upon me. They knew my debt situation and that I would be in complete debt when I got out of college, yet they kept giving me loans. My Uncle and Mother co-signed. And it has created a permanent rift in my family. I have a family, and struggle to pay my student loans. I have placed them I in forbearance without being told there was a limit. My family will starve as the student loans continue to grow. They worked out a semi payment plan with me. Even though they were still going to charge me interest. It still XXXX me over. My payments are over {$600.00} a month. Navient does not care about my life or yours. They care about getting as much money as possible. They give me strong and severe anxiety to point I contimplate how I am going to be able to provide eggs and bread for my family. 
It is not fair. They condemned me to a life of XXXX and harass me well knowing I do not have the money. I do n't know what else to do. I hope you are proud of yourselves for preying on the innocent future of this world. You have destroyed my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous communication with Experian on XX/XX/XXXX, they have failed to respond or address the following incorrect information : XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} ) - This account does not belong to me, and I request its immediate removal from my credit report. 

XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} ) - I have no association with this account, and I request its prompt removal from my credit report. 

XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} ) - I am not responsible for this account, and I request its expeditious removal from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, XXXX XXXX XXXX  consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). You have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. You have illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and XXXX. I did not grant any company permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedies and make the following demands : 1 Cease and desist reporting of the account name filings to all consumer reporting agencies. 2 Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

I have multiple account with Synchrony Bank. When I make a payment they do not post the payment in a timely manner. They wait XXXX business days. What they are doing is playing the float by submitting the ACH payment to my bank and waiting to post my payment until the payment is already at the bank. Just as when you walk into make a deposit in the bank and they post your deposit that day - Synchrony should be posting all payments in a timely manner, not delaying them as they are doing. 

Now if they want to delay the availability of credit that is within their rights, but they should be posting all payments in a timely and proper manner- not waiting until they have collected the funds from my bank. 

This is abusive and is hurting many customers.
Product: Credit reporting or other personal consumer reports

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Mortgage

To Whom It May Concern My name is XXXX XXXX. I purchased my house in XXXX of XXXX with an FHA Loan with a mortgage Insurance. The mortgage insurance was supposed to be for the first five years and my five years of the loan was up in XXXX of XXXX and the mortgage company should have stopped the Mortgage Insurance. I have submitted several inquiries and the first inquire they told me that once my LTV reaches the required amount and my loan goes down to {$230000.00} the mortgage insurance will be removed. Now that I have reached that amount, they are telling me the mortgage insurance is for the life of the loan. They are steeling my money and there is nothing I can do. I need your help and support to investigate and help with this matter. The law clearly says mortgage insurance for individuals who purchased their loan prior to XX/XX/XXXX is for five years. 

My mortgage Company is NewRez My loan number is Loan ID : XXXX XXXX XXXX XXXX XXXX Ct XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account : XXXX XXXX XXXX Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.
Product: Debt collection

This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Product: Checking or savings account

I was getting a offer in my XXXX  account - promotions to open a bank of america checking account. I followed that link which has a promotion of {$100.00} to open a bank of america checking account. 
I filled up the application and provided all the information. 
But Bank of America declined my application and my account is not opened.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX BALANCED {$950.00} XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$1500.00}
Product: Debt collection

I fell behind on payments due to COVID and Wells Fargo people keep calling me several times a day trying to make extra payments. I have made a payment every month, but have not yet been able to catch up. I am 2 months behind. These people keep harassing me days after I have made a payment and making threats. Even when I try to explain my situation they get mad and hang up on me.
Product: Debt collection

This debt appeared on my credit report in XX/XX/year>, do not know this debt
Product: Credit reporting or other personal consumer reports

Self Lender has harassed me for over a year, reporting inaccurate information and keeping me from obtaining credit lines and buying a home because they are illegally reporting fees they tacked on to the end of a SELF loan account. They are constantly emailing me that my payment is due, every month when this account has been paid off and closed for almost 2 years. I plan to sue them for harassing communications if this is not rectified immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. The account is for XXXX XXXX XXXXXXXX XXXXand the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. 

If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. If this is not done, I must file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your time and attention to this matter.
Product: Debt collection

I had credit card debt with XXXX XXXX. Both XXXX XXXX and Midland Credit Management were sending me bills at the same time for months. I contacted Midland Credit Management upon receiving notification that they were sending my account to attorney review for a lawsuit. I requested a validation letter. I never received the letter, but received a final notice on the attorney review for lawsuit a few months later. I again contacted the company. They stated they sent the letter XX/XX/20. When I told them I hadn't received it, they told me that they were unable to send another, as it had not been returned to them. The only way to receive another was to dispute my debt with them. I did that. Two days later, they began to call me again. I told them that I had disputed my debt and asked them to stop contacting me until I had received my letter. I still have not received it, and they continually call my phone, sometimes several times a day. It is frustrating in my personal time and worse when I am at work.