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

I mailed the first letter to TransUnion on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Product: Credit reporting or other personal consumer reports

XXXX sold debt to collector. They should not appear on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This Toyota Motor Credit account XXXX is paid-in-full. It is closed. However, XXXX CRA continues to incorrectly report the account as " Open ''.
Product: Debt collection

XXXX has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last five years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and 3 Letters have been returned not deliverable addressed unable to forward. 
1. XXXX XXXX XXXX - {$870.00} 2. U S Department of EDXXXX {$3300.00} 3. U S Department of EDXXXX {$4100.00} 4. XXXX Accounts Charged Of {$12000.00}. Closed Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
5. XXXX XXXX XXXX XXXX {$580.00} 6. XXXX XXXX - Paid Closed Account 7. XXXX XXXX - Paid Closed Account 8. XXXX XXXX XXXX Paid Closed Account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking 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 CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Product: Debt collection

This collection is unknown. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. o A copy of my Social Security Number. 4. Affirmation : I declare under penal
ty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened XXXX mortgage accounts with XXXX XXXX that are not mine. The account numbersXXXX XXXX Account Numbers are : XXXX, XXXX, and XXXX There also was a fraudulent account opened in my name thru identity with XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Student loan

Applied for XXXX on XX/XX/XXXX ( Department of Ed ), and was told my payment would be {$0.00}, would take 4 weeks to process. Wasn't changed. Called Nelnet on XX/XX/XXXX, gave financial info for verbal approval, was told my payment would be {$0.00} and to upload my XXXX tax form, which I did immediately. Was told it would take 5 days to reflect on account. It is now XX/XX/XXXX and I am still not in the XXXX program. Was going to pay the interest at that time so that the loan doesn't grow. Was told not to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

Section 602 A. States I have the right to privacy.

5 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

It has come to my attention that the agency has engaged in misleading, misrepresentation, and deceptive practices in its attempts to collect a debt from me. The agency has failed to provide validation of information and required disclosures as mandated by law. These practices are in direct violation of consumer protection regulations and are unacceptable. The failure to provide Validation of Information under 12 CFR 1006.34 ( b ) ( 5 ). They have also failed to provide adequate validation of the debt in question. The agency is obligated to provide all necessary disclosures to consumers.
Product: Mortgage

I filed a complaint in XX/XX/2023 ( XXXX ) about a disputed corp fee XXXX the bank did reply to me. just saying it was put in after the confirmation XXXX XXXX bankruptcy I do agree with the clam of XXXX and what the trustee payments of XXXX. BUT THE BANK CAN NOT JUST ADD IN EXTRA FEES XXXX with out justifying WHY? This is outside the banks stated clam when i filed XXXX XXXX. I was XXXX XXXX who did this! 
I want to pay up all my arrears at this time However the bank is NOT WORKING WITH ME. 
I can not get a live person to discuss the extra fees i want to solve this problem however i am getting the runaround. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

BY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 INFORMATION ITEMS. 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

on the dates XX/XX/year> there was two atm withdrawals for {$500.00} each i had my card in possession in this time ive never lost it or given it away and i still had it when i made the complaint they said they were going to investigate and then said that denied it because they believe it was someone close to me who has my 4 digit code made the transaction or someone who had my 4 digit code did it but i had my card the whole time and now i lost out on those funds the account number is XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX pa, and my ssn is XXXX and the bank i bank with is wells fargo
Product: Debt collection

Several entries on my credit report were added without my consent. Please remove and block these accounts promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting a copy of the procedure your company followed to ensure the accuracy of the information reported for the accounts listed below. Having incorrect information on a credit report is both damaging and unacceptable. I require specific details on how this information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both XXXX XXXX XXXX  and Equifax. both blame each other for being unable to remove errors or delete incorrect accounts. XXXX XXXX XXXX has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an Equifax report which has been verified by XXXX XXXX XXXX. The Equifax Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from XXXX XXXX XXXX  reported in the Equifax report is Account XXXX is XXXX. I contacted XXXX XXXX XXXX  to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The Credit Limit is also blank and missing information ( Error 1 ). The Months Revd is 96 which for this loan is Incorrect ( Error 2 ). Amount Past Due is blank and missing information ( Error XXXX ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error XXXX ). The date of XXXX XXXX XX/XX/XXXX is also incorrect ( Error XXXX ). The Actual Payment Amount is Missing ( Error XXXX ). The Scheduled Payment information is missing ( Error XXXX ). Date of XXXX Delinquency is blank ( Error XXXX ). Date XXXX XXXX XXXX reported is missing information ( Error XXXX ). This account according to XXXX XXXX XXXX was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error XXXX ). by law FCRA Sections XXXX and XXXX require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Product: Credit card

XX/XX/24 I contacted ELAN Financial in order to change the telephone number on my account. The phone number of record had been changed while I was in XXXX, XXXX, as my US phone did not work internationally. " XXXX '' asked me to consent to a verbal agreement. I asked for a copy of the " Verbal Agreement '' be sent to my email so that I could review the verbal agreement. After checking a number of times with " supervisors '' ( I was put on hold a number of times when I asked to have this matter escalated. ) XXXX informed me that 1. ELAN does not send any information by way of email, but 2. assured me that she would have a copy of the Verbal Agreement sent to my home.

1. The Verbal Agreement never arrived.

2. a. A call today from " representative????? '' maintaining that he was calling from the President 's Office of ELAN Financial indicated that he had reviewed my letter of complaint. He apologized for all of the errors in information that I had been provided over XXXX months while I was in XXXX XXXX XXXX and in the US , and indicated in a most general way that the " concerns '' were passed on to team members for their review. 
2. b. In his response, " representative '' did not list the complaints that were forwarded, but only would state that they had been passed on to " Team Members '' who address complaints. I have no concrete knowledge or assurance that my complaints have been passed on.

2. c. Normal and standard business operations use email as a form of communication to provide an easy way to share valuable and essential information. " Representative '' stated repeatedly that ELAN Financial does not use email and continued to state that he would provide the information in a telephone call. I indicated that I was in a car without a pencil and paper and would not be able to take notes. 
2. d. When pressed, " Representative '' indicated that he would send information in letter form to my home address. This letter should include a summary of the action taken in response to my extensive letter to the President of ELAN Financial along with the telephone number that " Representative '' maintains will be useful for solving problems when I am not able to use my VISA card. 
XXXX. " Representative '' said that the review of my complaints was complete and that there would be no further action taken, even after I indicated that he had failed to recognize that ELAN 's " XXXX '' had promised to send a copy of the " Verbal Agreement '' in his review of my complaint. 
4. I do not have any information from ELAN Financial to indicate that the company recognizes the many and repeated times that calls to their service number did not result in a resolution of the problem : Purchases with my VISA Card were denied on many occasions and numerous representatives on numerous occasions were unable to provide " authentication '' or a " resetting '' of my VISA charging privileges.
Product: Credit reporting or other personal consumer reports

They have not removed my fraudulent accounts and inquiries
Product: Checking or savings account

I bought a house with a BMO mortgage and they said they would offer an interest rate discount if I opened a checking account with BMO as well. So I opened the checking account and realized its technically XXXX checking accounts. After I opened the accounts I discovered that my mortgage interest rate was not lowered as they had promised. Also, I did not realize that XXXX of the checking accounts resembles a savings account and charges a {$15.00} fee for each transaction that exceeds XXXX transactions per month. In XXXX and XXXX I accrued XXXX charges of {$15.00} each, and I did not realize this until XX/XX/XXXX. Had I know about this condition, I would have handled the transactions differently to avoid the fees. I have since asked several telephone customer service representatives and the branch XXXX who have helped waive XXXX of those charges but now after additional attempts to waive the charges, BMO refuses to waive any additional charges, even though they recognize that this is a misleading and confusing tactic. They even documented in my account that I did not know about that term and condition of the account and therefore deserved to have it waived. The remaining XXXX charges remain on my account, for a total of {$250.00} in junk fees over the course of XXXX months.