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

Im at sharpness end. I have no idea what is going on over there at the CFPB. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  OUTSOURCING Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.
Product: Credit card

Accepted for Value Exempt from levy By : XXXX XXXX Authorized Representative, without prejudice
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for no XXXX credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.
Product: Mortgage

In XX/XX/XXXX, I informed RoundPoint that I have paid off my property tax for XXXX. And I requested that they do not try to collect that in escrow.

RoundPoint received my request and ignored it. They collected the escrow after receiving my request and claimed that they refunded me in XX/XX/XXXX. 

In fact, I never received the payment of more than XXXX XXXX dollars. The company refuse to send me the fund after almost 2 years and many many attempts.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX 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

Spoke to XXXX XXXX and they were very unprofessional. would not listen to my concerns and only provided a fax number XXXX, which he then immediately hung up on me. I initially received a credit alert about this activity previously, since I have been a victim of I'd theft. I have not been to XXXX  for medical of late last year and this is a fraudulent claim they refuse to remove. This has dramatically hurt my credit score. Please have this remove and resolved. I am out of options.
Product: Debt collection

I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages.
Product: Credit reporting or other personal consumer reports

Credit Reporting -> Incorrect information on your credit report XXXX. What Happened? 

I am filing this complaint regarding inaccurate late payments reported by XXXX on my credit report. XXXX has incorrectly reported late payments that are negatively affecting my credit score. After reviewing my credit report, I have identified the following " inaccuracies : Account Number : [ XXXX ] and [ XXXX ] Date ( s ) of Late Payment ( s ) Reported : [ Insert Date ( s ) ] Payment Status : [ Reported as XX/XX/XXXX days late ] I have maintained consistent and on-time payments with XXXX, and I have documentation to support this claim. Despite reaching out to XXXX directly and providing proof of timely payments, they have failed to correct these inaccuracies. 

3. How Would You Like This Resolved? 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and direct EdFinancial to : Remove the inaccurate late payment entries from my credit report. 
Update my account status to reflect on-time payments. 
Correct my payment history across all major credit bureaus ( Equifax, Experian ) 4. Supporting Documentation : Attach the following supporting documents : late payment ( s ) ( XX/XX/XXXX ) ( XXXX XXXX ) XXXX. Additional Comments : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting. XXXX failure to report correct information is a violation of the FCRA. I am requesting that this matter be resolved promptly to avoid further damage to my credit profile.
Product: Credit card or prepaid card

I have visa credit card from BBVA ( BBVAUSA.com ). Recently I noticed unknown charges posted on my account ( {$1.00} and {$1.00} ). After 12 (! ) attempts, ( they played game, pretend not understand me or really did not understand, or just hanging up on me ) I initiated dispute. Three days later I received " result '' of investigation, stated that transactions " was authorized ''. There were no time when, no by whom they were authorized, not name of merchandise. My attempts to obtain this info over the phone were filed - they do not speak English.
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/. I have reached out to all major credit bureaus to provide the following information a copy of the original contract with signature, a copy of the payment history, the name and address of the original creditor and proof of collection authorization. After several attempts I have yet to receive the requested information
Product: Vehicle loan or lease

Several of my rights have been violated with credit acceptance. I have found several violations within the contract as well as fraudulent activities.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts contain inaccurate information. I should be compensated {$1000.00} for each wrongly reported item on my credit file.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the XXXX us code XXXX and XXXX us code XXXX ( FCRA ). The law clearly states the XXXX us code XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the XXXX us code XXXX law clearly states XXXX. Accuracy and fairness of credit reporting. The XXXX makes the following findings : XXXX. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA XXXX XXXX. XXXX, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Product: Debt collection

I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX XXXX. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My Post 911 GI Bill covered this tuition in full. I do not owe XXXX XXXX or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately.
Product: Debt collection

Debt paid to hospital, Medi Credit Violation Hippa Laws, used Dr Name from another service and could not validate debt, my EXPLANATION OF BENEFITS DID NOT SHOW owed Dr name used. I contacted hospitals to verify debt, paid debt. MEDI CREDIT THEN proceeded to put paid debt on my credit because I didn't pay them directly.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I currently have a private Navient Loan. The loan started with a balance of XXXX and even paying it up to now it has gone to close to 40k. I have been trying to make payments that I can afford to pay and they just want to keep on putting me on forbiddance because they want me to make high payments over {$400.00} per month and the interest to grow more. I have said no to forbiddance and there one year repayment that lowers down the payment for one year and the following it goes double plus all the interest grown. Not only did the school closed at the end of our term but failed to issue our diplomas. Which I have complaint for years as well. The school was kitchen academy in XXXX Ca. I contacted navient back in XXXX of this year and reached out to different people including supervisors requesting a settlement for the original amount to pay off and they declined it. They said they can do only 90 % of the current amount. I have tried to negotiate with them several times in different ways but it's has made me feel more like they just want to hurt me than help me. Last time I spoke to them I told them I gave up. They can't lower my payments nor settle then there was nothing I could do anymore. Now they harrassed me and even contact family members and up to calling my job asking for me. This situation has gotten too far. I have a federal loan that I have been paying and have never have had issues with it but Navient who used to be Sallie Mae just wants to turn you down to increase their loan amount therefore you will never finish paying them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666
B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted the company today calling to see about setting up a payment arrangement for the account that they are a third party collector for the amount of {$2600.00} with them. The representative said he was unable to make any sort of a consolidation or accommodations and demanded payment in full oh. Then the representative told me that if I didnt pay them that it wouldnt run my credit and then I would not be able to finance a house get a credit card or any other sort of loans. The representative instills great fear into me that my credit would be damaged is XXXX years old that I would never be able to own a home again. I spoke to a supervisor who was also unable or willing to help rectify the problem that her representative caused. This occurred on XX/XX/2020
Product: Debt collection

I noticed several unauthorized accounts on my credit report. I request their immediate deletion and blocking as they are fraudulent.
Product: Checking or savings account

XX/XX/year> XXXX {$20.00} TRANSFER TO AN UNKNOWN XXXX XXXX ACCOUNT XX/XX/year> XXXX {$20.00} TRANSFER TO AN UNKNOWN XXXX XXXX ACCOUNT SOMEONE HAS ATTACHED MY HUNTINGTON BANK ACCOUNT TO THEIR XXXX XXXX AND POSSIBLY CREATED A CLONE XXXX XXXX ACCOUNT WITH MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

XXXX   XXXX   is attempting to c ollect a debt without any legal authority. According to    XXXX   XXXX   , I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to   XXXX   XXXX    since the alleged transfer of servicing of the loan in  XXXX   XXXX .  XXXX  contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX   XXXX  .     The   XXXX   XXXX   XXXX   XXXX   XXXX   was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property. Bank of America,  XXXX  's predecessor claims I owe   XXXX   XXXX   XXXX   XXXX   XXXX   rent as a result of the foreclosure sale. Bank of America and   XXXX   XXXX   is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed. Bank of America and   XXXX   XXXX   ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX   XXXX   and Bank of America in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX   XXXX   's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over 65 CFPB complaints, review my history. The truth does n't change. Bank of America and  XXXX  in their capacities as   XXXX   XXXX   XXXX   XXXX   XXXX   's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I review my credit report regularly, but this time, I was alarmed to see discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. I am requesting a thorough review of the documents Ive submitted so that I can put this worry to rest for good.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, XXXX XXXX of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report The information in my credit report is wrong. I also have sent out multiple separate disputes and only received stall letters and they are delaying the process below I will attach all documents of disputes I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account.