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

This is the 6th times I've complained about being a victim of identity theft. You must remove/delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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
Product: Debt collection

in XXXX XXXX I signed for water delivery with XXXX inside XXXX warehouse. 
XXXX delivered the cooler & water, pluged the cooler next day and smoke came out of it. 
placed it in my Garage, called XXXX for replacement with no luck. 
in XXXX their driver was passing by when I opened my Garage to leave for work, and ask me if I need more water, I said no, but you might be able to fix the issue with cooler. 
he plugged it in & fix the issue. 
few day later I received A bill even though my past bill was paid in full & I did not get any more water, because cooler was not working. 
I did ask them to come & pick the equipment, the driver came to my Garage without my knowledge & took the cooler. 
I did not get a credit for my empty bottles and also for the full bottle was with the cooler. 
XXXX gave my social to XXXX and together they send my file to a collection agency for {$65.00} dollars. 
collection is for using the cooler which did not work, also statement fee that XXXX kept sending to accumulate more charges.
Product: Payday loan, title loan, personal loan, or advance loan

I called Best Egg to make arrangements for my XXXX accounts and to specifically inquire about what I had to do so as to not be delinquent or be reported as being late on my credit report. This was after I received communication to call for alternate arrangements. This was the first request I made before we even agreed to proceed. 

Best Egg 's representative indicated a payment plan, that he recommended was the way to go and it would reduce my payment as well as keep my accounts current. Given that guidance, we proceeded to set up both accounts for the payment plan. I recently received a 30 day delinquent notice from the credit bureaus ( the XXXX of it's kind with any account I have ) as I keep good faith in honoring obligations ( aka calling Best Egg proactively ). I reached out to Best Egg when I received this notification only to be advised they were sorry but it was a misunderstanding on the part of the agent. Being penalized and having this cause a significant financial ripple effect to my standing is causing irreparable damage. The actions of Best Egg has caused financial hardship as credit card companies are seeing me as a risk and reducing my limits/restrictions.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

In XX/XX/XXXX Ability Recovery Services LLC placed debt on my credit report. I immediately contacted them to inquire what this debt was and why was it put on my report. When I spoke with them they stated it was an unpaid medical collection in the amount of {$1200.00} from XXXX. I told them I am not aware of any medical visit around that time and believe it was an error. They stated there was nothing I could do but pay for it! So in XX/XX/XXXX, I requested a debt verification letter giving me the details of this matter and to show proper proof that I agreed to pay them. Instead what I got was an alleged copy of a bill on another companies letterhead with private medical info on it. Not only did this letter NOT meet proper debt verification standards, but it also was NOT accompanied by a HIPPA release form. This is a violation in which I intend to file a lawsuit. I have since sent the same debt verification letter to the credit bureaus. As of today, Transunion is the only one that has removed this debt because it was unverified. I'm confused doesn't all 3 credit bureaus receive the same information?? So I am forced to file a complaint. This debt has NOT been properly verified and needs to be deleted from my credit report! Once this is done I am also requesting a deletion letter be sent stating that Ability Recovery Services LLC is no longer trying to collect on an invalid debt.
Product: Student loan

I have been a XXXX for the past 10 years in XXXX XXXX XXXX in our community. In order to obtain my XXXX degrees, I had to take out student loans myself. During my first few years of XXXX, I was informed about the XXXX loan forgiveness program that is offered through the Department of Education. XXXX XXXX in XXXX XXXX XXXX could earn up to a XXXX forgiveness after XXXX for 5 years. After XXXX XXXX for 4 years, I moved to XXXX XXXX XXXX XXXX. I have now been XXXX XXXX XXXX XXXX for the past 6 years, qualifying me for the full XXXX. My wife and I have been working hard to submit the forms required to receive this forgiveness. Our forms have been denied 5 times in the past year and we are starting to fill helpless. We have followed all the directions and the past three times have had a representative assist us during our form completion to assure accuracy. It seems like new errors are found each time and it takes them over two months to tell us about them. Then we have to resubmit everything all over again. It has been suggested each time that we take forberence because taking XXXX off of our total could substantially reduce our payment, which is over 450 dollars a month, because we do not qualify for any other repayment options. We have learned that during this time our account has increased substantially because of the interest. We are ready to free ourselves and buckle down and pay off our existing loans. Today we submitted another XXXX Loan Forgiveness form and hope that with your help, we can get the forgiveness that I qualify for and pay off the rest of my loans affordably and quickly.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; 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 a account without my written instructions.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I am requesting an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/scrub>XXXX, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

1.Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX )
Product: Vehicle loan or lease

Identify theft Then cherges made Inquiries Attempts for.loans am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects two hard inquiries being made into my credit as follows : 1. Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 2. Inquiry from XX/XX/XXXX Factual Data XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Product: Debt collection

Mitchell D Bhlume and associates called my father and my brother on a medical debt for a hospital during a service date when I was out of the country. They denied to me telling my brother and father that they called regarding a collection but both of my relatives confirmed that they were trying to get in touch with me regarding a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX was paid with creditor XXXX XXXX on XX/XX/2018 Please update and remove. Experian and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Business Checking account with them back in XXXX and now I'm supposed to receive a {$500.00} bonus. I already submitted a complain here earlier ( XXXX ) and Citi responded finally that they need my EIN number, even though I already provided the W9 with it back in XXXX when I opened the account in Branch. I went back to the Citi branch and filled out the W9 last week. They asked I put my SSN, so i did and then they called back saying they need my EIN number instead. So i had to go back in again to fill it out wtih my EIN this time. In the letter I received from corporate ( attached ), it says to call Citi after doing so and they will pay out the bonus. The investigation done weeks ago already said i qualified for the bonus according to the letter. So i called back again, and after being hung up on the first time without saying a word, i spoke with someone who then transferred me twice, i finally spoke with a rep named XXXX XXXX employee # XXXX ) and he kept telling me to go back into the branch again, even though the letter says to call the business line after i submit my XXXX. He said he couldn't read the same letter i received, but insisted that they couldn't assist me with the investigation. SO i went to the branch again and they told me he was wrong, and I had to call in. So now i'm stuck again and have been waiting months for this bonus that i was promised. I call and they say to go in branch, and i go in branch and they say to call. 

They respond to my CFPB complaints saying to send them my completed W9, so I have sent them twice via email but I get no response. I've been waiting for almost a month now and no response. When I call they say that there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit report. I have been asking for documentation for over 6 months and the company refuses to provide it. I have also asked equifax to look into the debt and all they do is tell me that they verified it was owed by me but will provide no documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

your recent claim that closed auto loans for XXXX XXXXXXXX XXXX account # xxxxxXXXX, which you claim I owe {$13000.00} and XXXX XXXXXXXX XXXX closed auto loan account # xxxxxXXXX which you claim I owe {$0.00} has verified that the account they are reporting under my name is accurate. You continue to remove and add back and this is false information. I am keep documented communication from phone and letters. I continue to submit the documents of police report and affidavit. I sent certified USPS mail tracking number # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Formal Dispute, Demand for Immediate Account Blocking, and Compensation for Violations To Whom It May Concern, I am writing to formally dispute Experians failure to uphold its obligation to block and delete specific fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

On XX/XX/year>, Experian sent me an official notification stating that the following accounts had been blocked due to identity theft : 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 However, despite this confirmation, these accounts remain on my credit report, violating multiple consumer protection laws. This is a blatant violation of my rights under the FCRA, specifically : 15 U.S.C. 1681c-2 Requires the blocking of information resulting from identity theft and prohibits the reappearance of such information once blocked. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires the deletion of information that is inaccurate, incomplete, or unverifiable within the required time frame.

15 U.S.C. 1681n & 1681o Provide for damages in cases of willful or negligent noncompliance with the FCRA.

15 U.S.C. 1681s-2 ( a ) ( 6 ) Prohibits the re-reporting of fraudulent accounts once they have been removed. 

Demand for Immediate Action and Compensation Experians failure to permanently block these accounts, after confirming they were blocked, constitutes willful noncompliance with federal law. Due to the harm caused by this violation, including financial distress, damage to my credit reputation, and loss of credit opportunities, I am demanding : XXXX removal of the above-listed accounts from my credit report and written confirmation of their deletion. 

A payment of {$50000.00} as compensation for Experians violations of my consumer rights, due immediately. 

Failure to comply within 5 days will result in legal action under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees for willful violations of the FCRA. I expect Experian to rectify this matter immediately to avoid further liability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased trip insurance coverage through American Express alongside their travel program for a trip to provide medical coverage for the XXXX XXXX The day of departure, we were notified that our outbound flight was cancelled by Delta due to the XXXX incident. Delta was the only airline still struggling with this incident. We were forced to purchase additional tickets on a different airline to get to my job on time in XXXX. American Express is refusing to pay for the full cost of the additional tickets ( ~ $ XXXX person ) because they claim their insurance policy only covers up to $ XXXX person for issues such as this. This is despite the fact that an American Express Travel consultant stated, on a recorded line, that the full trip change cost would likely be covered. We are asking for full coverage of the cost of the flights ( {$2500.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 this fraudulent inquiry XXXX XXXX XXXX was placed on my credit report affecting my score. Due to 15 USC 1681c-2 this need be removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  acct # : XXXX account balance : {$2700.00} XXXXXXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 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. 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 a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On  XXXX / XXXX / XXXX  A judgment was placed on my credit report from LVNV Funding LLC with  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in  XXXX . Although this debt was not paid the collection agency  LVNV Funding a nd  XXXX ,  XXXX    XXXX    XXXX ,  XXXX  do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither  XXXX  come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in  XXXX .