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

I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Bank account or service

I opened an account at Citizens Bank ( XXXX ) in XX/XX/XXXX. The account was opened as a XXXX account ' - and I had discussed with the bank representative that I was opening a business account but would not be transacting with the account immediately. Due to family XXXX, my focus was redirected from the business. I did n't interact with the account again until this past month - only to see that the bank had begun charging a dormant fee in XX/XX/XXXX ... with continued charges until this past month ( nearly a year and a half ) - and never XXXX sent me a letter, by mail, to notify me of the issue. If their system flags inactivity and imposes a charge ... they can send a letter! That would have been more respectable customer service, alerting me to the potential issue.
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 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 filed another complaint yesterday against CMRE financial because they sent notice of collection that stated that " I paid or were credited the amount of $! XXXX and i owe {$520.00} since original bill was {$2300.00} but it's all wrong! I contacted my insurance XXXX XXXX XXXX XXXX and they said the claim was " denied " because XXXX were not notified in accordance with the policy XXXX XXXX XXXX and since the provider is in my policy 's network, I'm not responsible for these charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2018 I sent a dispute via USPS Priority Mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to TransUnion wherein I disputed XXXX XXXX with a corresponding account number beginning in # XXXX. 

On XX/XX/2018 at XXXX XXXX, TransUnion received my dispute as recorded in the USPS tracking history. 

To view the tracking history please visit : https : //tools.usps.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/2018, TransUnion sent correspondence stating that my initial correspondence was received on XX/XX/2018 and additional information was received on XX/XX/2018, which allows TransUnion fifteen additional days . Therefore, my investigation would be completed on or before XX/XX/2018. 

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

It has been 45 days since TransUnion received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file. Based on the previous information, I am hereby demanding deletion of XXXX XXXX with a corresponding account number beginning in # XXXX from my TransUnion file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. Furthermore, in accordance with s.1629e ( 8 ) of the debt collection practices act which clearly states that any information known to be false can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports or else I will be forced to
immediately proceed with litigation to recover damages caused by TransUnions willful and negligent noncompliance of the Fair Credit Reporting Act.

If the account in question is removed from my files, I will consider the matter to be closed and no further action will be taken.

Please send me a copy of my updated TransUnion credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX ( page 1 ), XXXX XXXX XXXX XXXX ( page 4 ), XXXX  XXXX XXXX ( page 5 ), XXXX XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX XXXX ( page 10 ), XXXX XXXX  XXXX ( page 13 ), XXXX XXXX XXXX ( page 14 ), XXXX XXXX XXXX XXXX ( page 15 ), XXXX XXXX  XXXX ( page 18 ), XXXX XXXX  XXXX ( page 32 ), XXXX XXXX  XXXX ( page 33 ) , XXXX XXXX XXXX XXXX XXXX ( page 34 ) In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries are in violation of my rights : XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal information is in violation of my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( not my address ).

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 an account without my written instructions.
Product: Debt collection

Attempted to refinance my home loan, the parties stole my personal identifying information, tax information, credit information and my other most personal information and used it to fabricate an illegal table funded loan naming as payee an entity that was registered with the XXXX but who did not loan me any money. I never authorized delivery of the note, security instruments or other documents. No contract was consummated and no security was created. Many documents have been fabricated and record in the Official Records of the XXXX XXXX County California Recorder 's Office. Despite repeated attempts to get evidence that the recitals contained within these documents is true, none has been provided. The parties have admitted that the documents are false and without evidentiary support but have failed to remove these invalid documents. Instead they are attempting to use them in order to proceed with a non-judicial foreclosure of my residence.
Product: Debt collection

On or before XX/XX/2021 I received a notification via e-mail from XXXX XXXX regarding my credit score. My credit score had dropped more than 35 points as a result of a delinquent cable bill that was sent to CREDIT MANAGEMENT LP, a debt collection agency in XXXX, Texas. Unbeknownst to me, a bill in the amount of {$1000.00} was owed to XXXX XXXX for cable/cellular services provided in the state of Texas. Shortly thereafter, I submitted a dispute through XXXX  and awaited the results of their investigation. 

I finally received correspondence on XX/XX/2021 regarding the aforementioned matter a long with the results of their investigation. XXXX, apparently, found that the " disputed item was verified as accurate ; however other information has also changed. '' According to the investigation report, the account was placed for collection on XX/XX/2021. It was then updated on XX/XX/2021. 

On XX/XX/2021 I contacted XXXX  to contest the findings of their investigation. I spoke with a XXXX  representative and explained the following : The debt owed does not belong to me. I do not owe any sum of currency to XXXX XXXX. I have never, in my life, ever visited the state of Texas. Moreover, it has been, approximately, more than 10 years since I've had cable in my own home, which is in XXXX, Florida.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires : I did not apply for credit of authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX 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: Debt collection

According to FCRA 605B it is illegal to report anything without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXm depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies Equifax and XXXX, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
Product: Debt collection

The Debt was resolved by XXXX XXXX on XX/XX/2022 file # XXXX with XXXX XXXX XXXX XXXX Acct # XXXX, the creditor was deleted on that day. Under the guidelines it was inaccurate or wrong or fraudulent information. Presumably, the regulations promulgated under the CPRA will contain a similar provision. The VCDPA does not specify how personal information is to be deleted. But also, not RE-INSERTED creditor under another company to damage credit once it has been deleted. XXXX XXXX was in violation after deleting the account and then reassigning the account to a collection agency Jefferson Capital Systems Acct # XXXX. After knowing the account was fraud. On XX/XX/2022 XXXX also deleted XXXX XXXX acct # XXXX from credit report which I have enclosed copies of deletion from credit.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with AMEGY BANK VISA was an account that was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge.
Product: Payday loan, title loan, personal loan, or advance loan

To whom it may concern, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. 
Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXXXXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non- compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX  and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX, XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX  ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXXXXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

At some point between calling to request a replacement debit card because mine was expiring and Sunday XX/XX/XXXX my existing debit card stopped working. Ive broken down the timeline of events below. Please note my husband I share a vehicle, I rented a car to drive to XXXX, and returned it on XX/XX/XXXX. 

XXXX XXXX - call for replacement debit card. No card is ever received. Called PNC to check on this, they claim it will be mailed soon and to keep using my existing debit card until the new one gets to me. 
XX/XX/XXXX XXXX - Attempt to use existing debit card in NY while driving to XXXX to speak at a conference. Card is declined for mismatched expiration date XX/XX/XXXX XXXX  - Call PNC, agent shows no concern, has no solution XX/XX/XXXX XXXX  - Call back, get a new rep who shows concern and works on solution. On hold for 20 minutes while she researches. Call drops ( either rep hung up or lost signal ). 
XX/XX/XXXX XXXX  - Call again ask rep to read notes from previous rep, he refuses and claims because Im angry he has to escalate me to higher level rep, Im transferred to the main PNC number ( he lied about escalating ) XX/XX/XXXX XXXX  - Call back, rep is very apologetic, sees the issue, admits theres no workable solution to get it to me. Suggests I call back when back in town before XXXX to have a debit card overnighted to me. 
XX/XX/XXXX XXXX - Call and per directions from previous rep ask for a manager as they are the only ones who can have a card expedited. Transferred to manager who is very dismissive of the issue. Doesnt seem to understand the card not working is a PNC error. She tells me to drive to a branch. I explained that PNC needs to cover the cost of transportation back and forth from branch as my husband has our car at work ( I work from XXXX  ). Again explain that this should be expedited at PNCs expense as deactivation of my card and no replacement ever being mailed is a PNC error. After 45 minutes on hold they still have not agreed to do what previous rep said they would do and expedited a new card.
Product: Credit card or prepaid card

XXXX CREDIT CARD CLAIM AMOUNT : {$6500.00} I had XXXX account number : XXXX XXXX XXXX XXXX ( became acc # XXXX ) I found out on statements 4 fraudulent amount : - XXXX XXXX : {$1100.00} _ XXXX / XX/XX/2019 : {$3400.00} _XXXX XXXX : {$190.00} XXXX : {$1700.00} 4 unauthorized transactions because delivered different address. by the time fraud transactions actions, i am still at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( have document proof ). I did not made 4 fraud purchase below the list, i am not responsible for 4 unauthorized transaction.. 
i move to XXXX XXXX XXXX XXXX CA XXXX 6 moths after the fraud purchase happened. 
NOW, XXXX pushed my account into collections at CLIENT SERVICE, I did try to call them but nobody answered, than i go online ..with reference number is XXXX... .business looks not nomal... ( picture included ) i dont know howto solve this problem for my account. 
CFPB Please help me to solvethis siatuation. im appreciate with all my heart.
Product: Checking or savings account

I my name name social security number and ate of birth to be removed off of XXXX and early warning