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

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law. I am writing to formally dispute information/accounts on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1682 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15U.S.C 1681i ( a ) ( 5 ), any information found to be accurate, incomplete or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Equifax : Conduct a thorough reinvestigation of the following disputed accounts listed below XXXX. XXXX XXXX - XXXX ( XXXX ) XXXX  XXXX ( XXXX XXXX XXXX DELETE ACCOUNT XXXX. XXXX XXXX XXXX -No past due XXXX XXXX XXXX- I have no knowledge of This Collection Agency, I never signed an agreement with this company nor received any goods or services with this company. I am Requesting a Debt Validation- ( 1 ) Original Contract with my wet signature on it ( 2 ) Purchase Agreement ( 3 ) Rights to Collect in the state of XXXX ( 4. ) Chain of Assignment ( 5 ) Securitization ( XXXX ). Bill of Sale ( DELETE ) 5. XXXX XXXXl- XX/XX/year> NO DATA ( DELETE ) 6. XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) -DELETE 7. XXXX XXXX has XXXX XXXX and 1st delinquency 8. XXXX XXXX XXXX has ND 9. XXXX XXXXXXXX - 15 U.S.C 1681i ( a ) and 15 U.S.C 1666 ( b ) Timing of Payment- 15 U.S.C 1681 Section 602 and 604 ( a ) XXXX. XXXX XXXX XXXX -15 U.S.C 1666 ( b ) and 15 U.S.C 1681 section 602 and 604 ( a ). XXXX. XXXX XXXX 's XXXX XXXX ( XXXX ) XXXX ( XXXX ) DELETE. Provide me with all documentation used to verify the accuracy of the disputed information. Delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. Comply with your obligations under the FCRA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in the national data breach. Upon reviewing my credit reports I noticed accounts that I do not recognize I requested validation from the credit reporting agencies under 15th U.S.C1692G but they have failed to provide the necessary information likely due to my compromised data as a result I have filed a complaint with the FTC. Regarding these unfamiliar accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis to have me removed from there system XX/XX/2021. 
I contacted the United States Bankruptcy Court to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and they will NOT provide the source as requested, they keep asking me to send the same info a DL and current bill, I have sent the attached information 2 times and now to you!
Product: Checking or savings account

I opened a Chase Merchant Payment Solution Account under invitation from Chase who offered me bonus of " Earn {$1000.00} when signing up for Chase Merchant Services and processing {$2000.00} in payments in at least 5 transactions ''. I opened the account before required deadline and finished processing required transactions into my Chase personal checking account, but I did not receive the bonus. I contacted my account manager but he said I did not qualify because the offer required a Chase Business Checking account, a reason that never showed up in terms and conditions in the offer letter ( attached ). 
I thought Chase must issue me the bonus since I finished all requirements as per terms & conditions in the offer invitation letter. It should be Chase Bank 's error not listing any other hidden condition in its advertisement to customers.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX am the living woman, executor, beneficiary of XXXX XXXX XXXX It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX instructions are as follows : The following are all inquires, derogatory, collection, late payments, closed accounts anything negative all need to be removed effective and immediately.
Product: Checking or savings account

My bank account has a user that is using credentials we both didnt create nor still have access to. XXXX and XXXX should NOT STILL BE ON THE ACCOUNT since I have not had either that email or number in several years
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.
Product: Debt collection

Healthcare Receivables Group are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX XXXX and I have not agreed to pay anything to Healthcare Receivables Group. I have not provided any releases of my medical information to Healthcare Receivables Group ; I have attempted to mail Healthcare Receivables Group several letters to multiple addresses to allow Healthcare Receivables Group to validate their debt and the mail was ignored. I have no idea how Healthcare Receivables Group received my private medical information. Healthcare Receivables Group have once again damaged my credit scores and violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Healthcare Receivables Group continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of previous disputes from Healthcare Receivables Group that was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I contacted Equifax on XX/XX/2020 in efforts to dispute items on my credit file. Equifax did not respond so I sent a follow-up letter on XXXX/XXXX/2020 letting them know that I requested the Method of Verification and still have not received anything as far as the investigation goes which would prove that these accounts are mine. These items need to be removed from my credit report as per the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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: Credit reporting or other personal consumer reports

Several different Inquires are on my report that I have absolutely no knowledge of at all. I know for a fact that these Inquires are a result of Identity Theft. I have filled reports for several fraud accounts opened up in my name as well. Alot of these Inquires are repeated several different times on my credit report. I have attached a Federal Trade Commission Affidavit that has all the Inquires listed, as well as copies of these Inquires from the varies Credit reporting Agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. I have several of hard inquiries from companies I have no knowledge of
Product: Credit card or prepaid card

XXXX offers its customers to change the Credit Card design to a design of their choice. Since XX/XX/2022 I have submitted at least five designs based on my XXXX or XXXX XXXX to my XXXX account. All designs have been rejected. When I call, I am told that my design was " Abandonded '' and to choose another design. Today XX/XX/2022 I tried to input a new design and the Website said I was no longer eligible to change the design of my Card. I would like equal Freedom of Expression in my Card Choice design the same as any other customer.
Product: Credit reporting or other personal consumer reports

I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company XXXX  {$130.00} NEGATIVE Suggested Account # XXXX Status Open Original Creditor XXXX XXXX Creditor Type Other Collection Agencies High Balance {$130.00} Open Date XX/XX/2023 Last Reported XX/XX/2023 Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Checking or savings account

Hello Citi bank has my money locked in my account because of a verification code they keep saying they sent I have even went into the bank in person showed all identification possible and yet I can not withdraw my funds. When I call by phone the agents hangs up the phones and say please call back once u can verify yourself. They have sent codes to the numbers on file I verify them all correct and they still will not unlock my account pleas help me get my money out of Citibank
Product: Debt collection

I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.
Product: Credit reporting or other personal consumer reports

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

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

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

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

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, 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.
Product: Credit card or prepaid card

I opened a new account with Citigroup and it has been nothing but a hassle to get the account working. It took about a month before I had a working card because they sent a card after they had already cancelled the card because I had not received it. The almost immediately there is a fraudulent charge for {$47.00} on XX/XX/30 with XXXX I reported it as a fraud and they initially reversed it and then reversed the credit because the merchant says the charge is legit. I have not gone to XXXX  and have not even been in one of their physical stores in many years. When I tried to call Citi about their reversal of the credit all I get is hung up on before anyone speaks to me. The charge is fraudulent and per their customer agreement I am not responsible for fraudulent charges yet they refuse to permanently remove the charge and have not even provided me with the merchant 's response even though they say they have. I would like this charge permanently removed and this merchant permanently blocked from charging any of my Citi cards
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, on XXXX. XXXX, 2020, EXETER FINANCE CORP and on XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

i am a victim of identity theft due to the XXXX data breach and all items shall be removed/blocked until this investigation is over.
Product: Mortgage

In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to M & T Bank. Because I was in bankruptcy, to protect my home from illegal foreclosure from XXXX, it was sold as a bad debt, therefore XXXX XXXX XXXX serviced the loan for M & T. I only had 4yrs left on the mortgage. My Chpt XXXX bankruptcy was dismissed in XX/XX/XXXX. 

They are absolutely horrible. The mortgage payments that I have paid since XXXX have been wiped from my account. They were never applied to my loan/account therefore M & T thinks I haven't made a payment in 4 years. Therefore they are starting foreclosure proceedings. 

I have spoke to M & T bank but they don't have my file and can't see any history on me and said that I have to deal with XXXX. I opened an investigation on XX/XX/XXXX with XXXX 's escalation dept and provided them and their attorney proof of payments since XXXX. XXXX XXXX the escalations supervisor assigned my file to XXXX XXXX but left the company within 24hrs of being assigned my case. 

It has now been transferred to XXXX XXXX, who said, yes I have your file but haven't gotten around to reviewing it yet. So you will have to wait until I look at it. Apparently XXXX has given him until XX/XX/XXXX to complete his investigation. 

However, M & T isn't being updated on any of this and they are coming after me. What concerns me is that they returned my XXXX payment back to me because it's in foreclosure and they won't accept anymore payments until this is resolved which will force the loan to go further in arrears. XXXX XXXX is the attorney for XXXX. 

I have never received a mortgage statement from M & T nor XXXX so I would know where I stand with my mortgage. I believe the mortgage has been paid off by now but who knows. Also my XXXX statements for 4 years have never shown payments nor reduction of principal. My accountant has had to file for a transcript to explain it and I have been battling with them since the start to get a handle of this loan. 

XXXX XXXX said - it looks like it has been wiped out of your account. 

If you look on the Consumer Affairs website - there are over 200 complaints on each party. I have already spent 10 years recovering from the illegal practices of XXXX XXXX XXXX and now am going through it again with M & T bank & XXXX. 

These practices need to end. I'm at risk to lose my home ... ... .again. 

XXXX XXXX
Product: Student loan

Navient has arbitrarily and without warning increased my student loan interest rates five times, yes you read that right, FIVE TIMES, in the last year alone. That is more than the last 6 years combined. Not to mention they purposefully delay payments that you have made for days on end. There is absolutely no reason that a payment I made on Friday morning has still not gone through Monday afternoon. Absolutely no reason at all. I know the Consumer Financial Protection Bureau and the Department of Education are both run by severely corrupt individuals, who are on par in corrupt practices with XXXX  and just as greedy, but mark my words one day the CFPB and the Department of Education will be run by people who actually do their jobs, which is protect people not corporations, and Navient will pay for their shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX to dispute fraudulent account but the company has not investigated or removed the trade line from my credit report. They can not validate or verify the debt. I also did research and the company doesnt have a license to collect in the state of south carolina.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ordered a wire transfer from my Citibank account to my broker account. The amount was {$50000.00}. Fourteen days later, the bank has not processed the transfer and the wire still shows as 'processing '. The institution never communicated with me to explain what the issue was. I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first time, they told me there was a compliance issue and asked about the recipient account - I provided all requested information ( it's also a Citibank account whose beneficiary is XXXX XXXX and XXXX ). They said the information was satisfactory and that they would process the wire. They have not processed the wire it. I keep telling them to credit the funds back to me if there is any issue, but they won't do it. My funds have been withheld for two weeks, and my complaints go unheard ( all they say is that it's already been escalated ).