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

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 -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
Product: Credit card or prepaid card

LETTER OF DISPUTE I disagree with the outcome of the fraud investigation related to my XXXX account. 
XX/XX/XXXX On XX/XX/XXXX Ive visited The XXXX restaurant, located in XXXX XXXX, NY. Approximately around XXXX EST Ive paid for the dinner but ended up leaving the wallet on the table. Ive spent the weekend mostly at home, located in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY. 
However, on Monday XX/XX/XXXX Ive discovered that my wallet is missing, including some of the cash bills, my New York State Drivers License and my Chase Sapphire Reserve Visa Card. When Ive called The XXXX restaurant in order to verify that they have it, but unfortunately, they told me that didnt find any wallet and dont have it. Then Ive gave Chase Fraud department a call in order to report a lost card. 
While Im thankful that Chase removed some of the fraudulent charges from my XXXX account, I acknowledge the fact that the investigation wasnt complete due to some charges being marked as valid as a result of this investigation. Therefore please, consider such but not limited to documents attached 1 ) Copy of the Identity Fraud Report, issued by FTC 2 ) Copy of my NY Driving license with my actual photo issued on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dispute was sent and received by XXXX XXXX on XX/XX/year> and when I called the agent on the phone stated that they could not tell me why the request was not processed as expected.
Product: Checking or savings account

I opened a Bank of America checking account on XXXX/XXXX/XXXX. 
There was a promotion in which I was to make at least 2 direct deposits of {$250.00} or more and then I would receive a {$100.00} bonus. 


On XXXX/XXXX/XXXX I inquired as to when I would receive the bonus. The told me that I should receive a check within 30 days. They gave me this number as a confirmation : XXXX. 


On XXXX XXXX I called to inquire as to why I have n't received the check.They told me that the account actually needed to be open for 6 months before the money would be sent to me as a deposit into my account and I should received the money on XXXX/XXXX/XXXX On XXXX XXXX I called to inquire why I have n't received the money. They told me that my " escalation '' was denied. I am not sure which of my inquiries was the escalation but they never informed me. They told me the reason for the denial of the escalation was that the account was not set up with the promotion activated. This is bogus. Had my promotion not been activated then I would have been told so on XXXX or XXXX and not been promised that I would receive the money. Additionally, shortly after opening the account, I also confirmed at a physical branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) that the promotion was active on my account ( I was unsure as to how many days I had to make the qualifying deposits ) When I disputed the denial of the escalation and explained the above, they re-escalated it, giving me this reference number : XXXX. 


After 40 minutes I spoke to XXXX XXXX of XXXX California, the " Checking Department '' manager and he told me that escalations take 30 days to resolve and they would be happy to review the terms of the promotion. I reminded XXXX that on two separate occasions the Bank has already promised me, regardless of the original terms, that I would receive the bonus. 


XXXX confirmed that I met all the financial requirements of the promotion but said I did not click on the correct website link. I possess no record either way on this matter and I only have to rely on the promises and assurances of the Bank that I was in line for the promotional bonus. 


XXXX told me that Its not up to him, it is up to the back office people and I should call in 30 days and follow up, I should say exactly : " I have a XXXX XXXX ( offer code : XXXX ) '' I have already been fobbed off for 30 days, plus 3 days, and now I am being fobbed off another 30 days.
Product: Debt collection

This company is calling my ex husband leaving rude threatening voice mails claiming to be looking for my whereabouts, saying that if someone does n't respond there will be legal action and they will continue to call until someone answers. That they will continue to go through a list of contacts of known associates until I contact them. When I called the phone number a woman answered the phone, she never stated what company it was when she answered so I asked what was the name of the company she told me it was NP Group. I then asked what kind of company this was ; were they a bill collector, she was immediately defensive told me it was an investigation company. I then asked the type of investigation the company did, her reply was HIGH RISK. I asked high risk for what, she then asked for the number that was called so she could tell me what dept. so I could be routed. I told her no thanks and she stated we wont stop calling you its going to continue and then hung up on me. I have not received any calls or letters regarding any past due monies owed. This company and employee I encountered is completely unprofessional and is harassing my family. If they want to contact me they can send a certified letter.
Product: Debt collection

I have noticed a collection charge on my credit report listed by XXXX XXXX apartment complex that is listed to have been reported in XXXX and have been placed on my file in XXXX, XXXX. 
I have contacted the apartment complex XXXX XXXX XXXX XXXX to verify the charges. 
The office manager at the XXXX office ( XXXX XXXX XXXX. ) has directed me to a collection agency, Resident Collect and refused further dealing with my complaint. 
Resident Collect verified the amount but could not find any record of me. 
They found record of my ex-husband and the above mentioned charge listed entirely under his name. 
The apartment complex reported the delinquency in XXXX. 
My XXXX has been final on XXXX XXXX, XXXX. 
I moved out of the apartment complex in XXXX and did not sign any contract, nor lived together with my XXXX 
The apartment complex, as proof of the delinquency has provided the collection agency a lease contract signed in XXXX by both me and my XXXX XXXX as a basis of the joint responsibility for the incurred debt which contract terminated in XXXX. 
The lease term was for less than a year period. 
The collection agency has agreed that it is very unlikely that a lease term of 6 years even existed at the time when the lease contract was signed ( XXXX ). 
The lease term had to be renewed every XXXX period. 
After further investigation the collection agency has found a lease contract on record signed in XXXX ( XXXX XXXX, XXXX ) solely by my XXXX XXXX in the same apartment complex. 
I have verified in XXXX with the apartment complex that they have incorrect information and no basis to claim I would have anything to do with this debt when XXXX XXXX XXXX has first tried to claim it to be my responsibility, and the apartment complex admitted the error and the claim had been removed from my credit file. 
This collection charge has not reappeared for 5 years until this XXXX, without any prior notification or contact with me. 
It is negligent and wrongful business practice on the part of XXXX XXXX XXXX complex to try to collect a debt on me after 5 years that has been proven not to belong to me. 
I have been advised their actions are illegal, they are breaking the law and to report their action to the Consumer Financial Protection Bureau to prevent them for further wrongdoing.
Product: Debt collection

I disputed my debt and per their paperwork it says they must send a verification of debt. I never received verification letter. I have received a summons for it without the verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have unauthorized inquiries on my credit report. I have called the companies and mail request to removed these inquiries off of my credit I 've advised the credit beruae but not was done ... 
Here are the ones. 

I never applied for XXXX XXXX XXXX- i see several times on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I noticed a large amount of my funds being transferred to another account that I did not authorize. I spoke with the bank and a debut was made against the transactions. My concern is that this is the third time this has happened with the financial institute whereas I'm starting to lose trust in their ability to ensure my funds are safeguarded again unauthorized access. About twelve months ago, my decease spouse 's saving account was also accessed with an unauthorized transition of a large amount of funds whereas she has been deceased for two years by this time. Therefore, I know there wasn't anyone that authorized the transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made disputes to XXXX  to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see  this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher.  Sadly, they responded to XXXX by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dispute this account : XXXX XXXX XXXX off and on for a year with Experian and XXXX. This item was removed from my credit report XX/XX/XXXX and reinserted back onto my credit report XX/XX/XXXX without warning or notification in writing. I am a victim of identity theft. This XXXX account was open XX/XX/XXXX. At that time I was incarcerated. My incarceration date was XX/XX/XXXX and I was not released until XX/XX/XXXX. Experian has responded to me by email several times to tell me they will no longer reinvestigate my dispute and will not remove nor block this item, saying that XXXX certified that the account belonged to me which is false. Experian nor XXXX provided me with any proof. XXXX only sent me bills showing me transaction details which is not proof.
Product: Credit reporting or other personal consumer reports

Hi I hope your doing well. I checked my credit report recently and noticed hard inquiries that I did not authorize. A few weeks back I applied for one personal loan and the company ran multiple hard inquires from multiple lenders, which I did not agree to and now they are stuck on my report. I would like to request that they are removed. I only worked with XXXX. 
Thank you for your help
Product: Checking or savings account

On XX/XX/XXXX there where 3 unauthorized charges to my Chase debit card totaling XXXX , i submitted a fraud claim to chase and the fraud claim was denied, they did not even bother to call me or explain to me why, on the letter i electronically received it states i did authorized the claim when i clearly told them i did not. I am still hopeful that Chase can help resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 received an alert from XXXX via XXXX XXXX there was an inquiry on my report from " syncbpaypal ''. I checked XXXX and there had been an inquiry listed XX/XX/2019. I have made no such request. I tried contacting the number listed for PayPal ( XXXX ). In order to get connected enter acct nor or phone nor. It didn't recognize phone and I don't have acct nor. I then established an account via the web site in order to speak to someone. The only way was through the chat, only information I passed was my name. However they were unable to help. Although this may not help now but I did place a fraud alert on my credit report via XXXX which I understand will be passed to the other two reporting agencies. Please advise.
Product: Student loan

I had issues with Navient this past month. They service my private student loans and until recently was granted the rate reduction on all my loans. I called in XXXX to reapply for an extension. The extension was granted for 6 months. The first payment was to take place in XX/XX/XXXX I asked to remove the auto pay option because it was easier for me to manage my finances if I made the payment myself. The agent said that removing the auto pay would not impact my rate reduction qualification. 

I logged into my Navient Portal and noticed that all my loans were placed in forbearance without my consent. I called to inquire the status and was informed that I was removed from rate reduction because I no longer had auto pay. The interest rates had returned to rates ranging XXXX %. I asked the representative to reenroll me into the rate reduction since I was removed due to a technical error. The representative rerolled me back into the program and set up auto pay once again. 

I started a refinance request with XXXX. I contacted Navient for a payoff demand. They were unwilling to provide me an accuarte payoff quote. They said that they would email me one instead. They also mentioned that if I paid off the amount in 10 days they would give me a {$200.00} discount. I called a couple of times since the payoff quote provided was different from what my navient portal provided. This time the customer service agent said no discounts would apply because she has never heard of such a thing. Also my rates were back to XXXX % on my loans. 

Navient has attempted three auto pay withdrawls on my account and cause three insufficient fund fees. 
XX/XX/XXXX- {$430.00} XX/XX/XXXX- {$430.00} XX/XX/XXXXXXXX XXXX ALL these payments should have been cancelled since I told them that I had been approved for a refi with XXXX. The loan funded today on XX/XX/XXXX.
Product: Student loan

I attended a school online. XXXX XXXX online. I applied for F.A.S.A I felt that I could handle the payments. When I stopped going to school, I was told the school closed. I called them the other day and only the online school I attended had closed. The people that I had received the loan from did not notify me of any bill or payment plan or management. A few months later, I received a paper from them saying this bill was paid in full. Then I was notified by Navient to pay up. My payments were XXXX a month. I had been on XXXX for seven years and was afraid I could not even get a job. i recieved threatening phone calls from Navient and told I would have my bank seized and would never be able to get another student loan. I was told where to find information about this bill. So I looked on their web page. They are charging me double what the school costs. They sent me a letter saying it was a federal crime to lie. So I am being cheated and do not know how to get out of it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXXXXXX ACCOUNTS NUMBER XXXX AND XXXX  ACCOUNT NUMBER XXXX I am attaching an identity theft report in support of my claim, in accordance with the Identity Theft and Fraud Act ( 18 U.S.C. 1028 ). This report provides evidence of fraudulent activities that have impacted my credit history without my consent, reinforcing the accuracy of the facts presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with The United States Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Sent one month ago to no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.
Product: Credit reporting or other personal consumer reports

Enclosed with this letter, please find a copy of Form 1099-C ( Copy B ) issued by Capital One Financial Corporation for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records.

I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing.

Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading.

I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 

Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - Copy B
Product: Credit reporting

After finding a negative report that was inaccurate on my Experian report I filed a dispute with them because the issue was litigated in court, it was found in my favor that the amount was paid and the insurance company had reported false information. They never contacted me to get copies of the legal documents and updated the report to say the issue met the Fair Reporting Act. I also contacted the company in question and provided ( XXXX ) and provided the court documents and they never removed it or reported back to the credit bureaus. I have been denied credit because of this issue
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX