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

15 U.S. Code $ XXXX 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 thaXXXX XXXX XXXXness days after the date of receipt. 
It has been more than 30 days, and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX 

XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX, XXXX, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, and XX/XX/2020, I wrote to XXXX, Transunion and XXXX  requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked XXXX XXXX XXXX  located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 TCF accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the Huntington because they are who took over TCF Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, Huntington collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at Huntington then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any TCF Bank that wasn't active or was already closed before the conversion of Huntington taking over TCF have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After 1 week they removed one of the TCF bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( TCF National Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW Huntington Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And Huntington can't even located me by my social security. A Huntington manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.
Product: Mortgage

My Mortgage Company, NewRez, has accepted payments for last two months, applied them to principal as extra payments, charged late fees, because the amount of my payment rose {$80.00} per month ( for escrow - tax increase ). I have always paid mortgage on time, no prior disputes. They refuse to provide documentation stating when they will apply the balance to my mortgage, refuse to reverse late fees, and still demanding I pay {$160.00} prior to showing my account as current. There was no supervisor to speak to. I am scared to make any further payments to this institution without something in writing, explaining their steps to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. 

The account in question is XXXX XXXX Account # XXXX ... Amount {$1400.00} for an authorized/unknown utility.
Product: Debt collection

This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. 
This was a land line I had in my home for many years. 
in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.
Product: Student loan

XX/XX/2023 - submitted a request for loan consolidation and income driven repayment plan. 

XX/XX/2023 - XX/XX/2023 - During this time, I have contacted Edfinancial by phone, chat, and email more than 20 times and have received no response. My student loan payment is now past due because they have not processed my application and will not provide me with any status update.
Product: Credit reporting, credit repair services, or other personal consumer reports

this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( TO TRANSUNION ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.
Product: Credit card or prepaid card

There was a double charge on my credit card - The situation is as follows : I stayed at XXXX XXXX and they charged me XXXX at the restaurant. Except they charged to both my card on file with the hotel and this capital one credit card. I opened a case with Capital one ( XXXX ) and provided all the information requested including the receipts and clearly stated the issue. I then received a letter saying I did not provide the information requested and case is closed. I would like this to be re-reviewed.
Product: Payday loan, title loan, personal loan, or advance loan

They refuse to send me a monthly bill/statement either electronically or by mail. Then when I don't pay they have charged interest that they refuse to remove. I am a senior citizen and this purchase was to buy hearing aids on an interest-waived installment plan.
Product: Credit card

I received an alert that an inquiry was made in my name from American eagle on XXXX and XXXX of 2024 I immediately called the creditor and requested information regarding the account I was told that they couldnt give me any information the only thing they told me was that the inquiry was made but nothing else also they said would remove the inquiry. However I was informed that my social security number was found on the dark web and just need to take steps to ensure this doesnt happen again.
Product: Checking or savings account

XX/XX/XXXX- XX/XX/XXXX : Bank of America has been charging monthly maintenance fee of {$5.00} for keeping balances below {$5000.00}. 

XX/XX/XXXX ( dont remember the exact date ) : I talked to Bank of America via phone and the agent advised me to change my savings account from 'Money Market Savings ' account to 'Regular savings ' account. This would reduce minimum combined account balance to {$2000.00} instead of {$5000.00} ( combined across checking and savings account ). 

XX/XX/XXXX : Bank of America again started charging $ 5 monthly maintenance fee even though my combined bank balance was above {$2000.00}. 

XX/XX/XXXX : Called Bank of America. They say apart from {$2000.00} combined minimum balance, I needed to have {$300.00} minimum balance in savings account. So they started charging {$5.00} from XX/XX/XXXX. I did not receive any communication regarding this change. It should be noted that I did not have {$300.00} in my savings account in XX/XX/XXXX and I was not charged monthly maintenance fee. So I am suspecting they changed the requirement in XX/XX/XXXX. Additionally, the agent did not have a record of my past conversations with them. She also said that their systems show that I did not ever have a debit card - even though I did. 

XX/XX/XXXX : I went to local branch and talked to XXXX XXXX, Relationship Banker at Bank of America. She did not see any record of changing my account type from Money Market Savings Account to Regular Savings account. She said she would investigate and get back to me. Its been more than a month and I have not heard since. In the meantime, I continue to be charged $ 5 monthly fee. 

Issue : ( 1 ) Bank of America is changing minimum balance requirements without notification to its customers and charging fees. ( 2 ) Bank of America not keeping record of account type changes ( 3 ) Bank of America is not keeping a record of conversations with its customers. ( 4 ) Bank of America does not track issuance of debit card. They say I didnt have a debit card though I do.
Product: Credit reporting or other personal consumer reports

Transunion failed to do a proper investigation. I asked Transunion to update inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. Transunion must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.
Product: Credit reporting or other personal consumer reports

Greetings. This complaint is in reference to unauthorized information reflected on my credit reports with XXXX and Transunion. Each of the following companies provided me with a Privacy form that clearly outlined what information could be limited in regards to the sharing of my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each privacy notice for the disputed companies clearly state : Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your CREDIT-WORTHINESS affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

These companies are not authorized to share my information with affiliates or non-affiliates. In accordance with the Privacy Forms provided, Affiliates are companies related by common ownership or control. They can be financial and non financial companies. Nonaffiliates are companies not related by common ownership or control. They can be financial and non financial companies. 

XXXX and Transunion are non-affiliates by each company 's definition. Furthermore, each Privacy form provides a method to limit such sharing. I have followed the instructions per the Privacy forms and called and confirmed with each company that information about my CREDIT-WORTHINESS is NOT to be shared. Each company has confirmed that the necessary steps were taken, however these companies are still showing up on my credit report. This is a blatant violation of federal law and my rights as a federally protected consumer. I have attempted multiple disputes with XXXX and Transunion yet no changes have been made. 
The activities of the mentioned furnishers have compromised the accuracy and integrity of information furnished to the consumer reporting agencies. By not honoring my request to limit the sharing of information regarding CREDIT-WORTHINESS, the companies are furnishing information that is materially misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.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

I'm a trustee for my best friend XXXX XXXX XXXX who passed away last XX/XX/XXXX and I'm taking care of his bills and all that. I called Equifax credit report who said I can mail death certificate, driver license and trust document. I refused due to no security through mail especially these are sensitive information. Nowadays they are crazy stealing identify when seeing death certificate or my driver license or trust information. I would prefer fax or email using encryption. They said no they require me to mail as it's their policy. I said that's no good as it has sensitive information and can lost in mail, and someone can find it and use it against that. They said oh it's very secure at their office. I said right at their office or at my home but not between here to their office that postmaster can accidently slip mail or hack the mailbox or too many crazy ideas way to steal that information. I'm not comfortable to do that. They refused to provide alternative but must mail originals to their office which i disagreed. That's not professional and bad way to not secure through mail. They need to do better to find other ways rather than mail upon customer request. Please advise what alternative and All credit report offices needs to strength and improve how to secure if mail between my home to their office as i believe NO way it will secure at all. Encryption email or fax is better and safer. 
I'm trying to get credit report so I can start working on paying bills and close accounts etc. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Living Trust dated XX/XX/XXXX I can be reached at XXXX as I'm deaf or call me at XXXX as all my calls automatically with interpreter ( XXXX XXXX XXXX
Product: Student loan

In  2016 , my wife and I applied for a n Income-Driven Repayment Plan with Navient.   This lowered the monthly payment on my wife 's student loan to an affordable {$94.00} a month. Last year, our income was reduced as my wife 's employment went from 5 days a week down t o 4, and  so our  Adjusted Gross Income f or  2016  went down by almost {$10000.00}. We also had a baby last  XXXX . In  XXXX , it came time for us to re-apply for the IDRP, so we submitted our tax return for  2016 . The payment jumped up to almost {$200.00} a month. We called  Navient  to try and have somebody work a new plan with us over the phone. The woman who we spoke with said we make too much money, which is absolutely ridiculous! We make less money than we did when they originally reduced the payment, and we have a child! We asked her to elaborate and she had no explanation. We 've had NOTHING but issues with this company from da y 1. T heir collection actions are predatory, and they are not in service to the borrower. They are in service to themselves. It 's especially troubling seeing as how they 're allowed to service government-subsidized loans. We still have been unsuccessful in getting the payment reduced.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your 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. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$850.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Consumer Loan

Ally Auto has abused their privileges of collected on accounts. I am currently due for 1 payment and have received daily phone calls from them regarding this. I did speak with an associate and advise that the payment will be made within the 30 days. Nonetheless ; I continued to receive phone calls ; I spoke with someone again on XX/XX/XXXX and advised her that the payments will be made, not setting up a promise. Well, today I get a call from my Brother-in-Law ; whom is not listed on the application, stating Ally requested a callback. How can this happen? Why would they stoop so LOW? 
I 'm seriously taken back, how can they call someone not listed as a point of contact and it 's not even past 30 days. So I called and asked to speak with a manager ; the lady prior said, " it 's how we do things ''. Once the manager got on, I advised him of the matter and he only asked when will I be making the payment. I advised him that we have n't reach 30 days and I spoke with his employee. Did n't understand why they would call someone not listed on my loan. Is their need for an attorney?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and identified inquiries that I am not aware of where it came from. Listed below are the Inquiries appearing XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry XXXX XXXX XX/XX/XXXX ( Equifax Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) Please investigate and Delete these items on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two fraudulent accounts on my credit report, and they still remain there after Experians investigation. These need to be removed as soon as possible. Experian is currently showing an inaccurate report and score. I have repeatedly been in contact with them and they have not been able to help me.