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

timely removal XXXX days ( I escaped and currently at a XXXX  safe house program ), I have provided my id disputed the exact errors DOJ XXXX  case number Letter from Cal Attorney General Confidentiality Program Restraining order Letter from XXXX  Program where I live Letter from XXXX XXXX XXXX HR XXXX says removal in XXXX days of report. I need for any negative payment history to be removed And now I am about be out of time in this program and they can't get me housing or rental car because their non compliance in removing these derogatory credit issues. 

I believe I have been harmed by them and that they should be fined or sanctioned
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX , PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

1. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. 
I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. Additionally, I ask for written confirmation once these inquiries have been removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Based on race XXXX XXXX, age and gender, Experian has segerated my consumer credit report to what they referred to as an special department and refused to allow me to dispute inaccurate fraudulent activity and obtain information regarding the consumer credit file via telephone. I brought this illegal practice of preveting certain American from obtaining information via telephone several years ago via multiple complaint filed with CFPB against Experian and to date you have refuse to provide the consumers protection from this abusive practive especailly during COVID-19, a consumer should be able to immediately dispute fraudelent activities. I had made several attempts to report inaccurate information and fradulently activity to Experian, each time after being transferred multiple times and placed on hold for over and hour I am either disconnected or transferred to an voice mail. To date experian has refused to allow me to dispute fradulent activity and inaccurate information contain in the consumer file.
Product: Vehicle loan or lease

In XXXX I took out an auto loan for a new car with 5th 3rd Bank. On XXXX XX/XX/XXXX I mailed in the final payment. The check cleared my account XX/XX/XXXX. Later that day 5th 3rd had my fully paid off car repossessed! 
I was forced to pay {$1800.00} cash to get my car. I paid this at the branch XXXX XXXX XXXX XXXX XXXX, NC XXXX within 15 minutes of my car being stolen. 
I spent weeks trying to get my money refunded. I spoke with the manager XXXX who said the money would be refunded. He said they did not know where " which pot '' my money had gone into. The next week he left a voice mail saying the same thing. 
I have received a check for {$510.00}. No idea why this amount. 
My final payment was {$1200.00}. Again, cash required to get my car was {$1800.00}. 
This entire situation is completely nefarious! 
Requesting full refund of {$1800.00}. for overpayment.
Product: Credit card or prepaid card

My unemployment card was mailed to me on XX/XX/XXXX via XXXX. I was told on XX/XX/XXXX that it would take 3 to 5 business days for card to arrive and was told no tracking number can be provided. On XX/XX/XXXX at approximately XXXX, I heard my door bell ring. I'm XXXX years old and don't move as far as I used to, I hear foot steps walking away. At first i didn't think anything of it because I wasnt expecting and packages, this was the second day. So around the 4th day XX/XX/XXXX I called Bank of america and asked about the status of my card and they said it was activated and all the money was gone. I filed an initial claim which I was told was automatically denied. So I filed a second one on XX/XX/XXXX. I asked for provisional credit but was told I wouldn't get it. I really need the money for bills and medicine. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Unable to access online dispute filing. Had to call. Received email today that results are ready. Extremely hard to access website. Finally got in. Link led me to solicitation of their products. No matter what link I clicked on, could not access dispute results. Neither was credit report available. This is a problem, going on for many years, not only with Equifax but with other two bureaus as well, where the landing pages are all about selling their product instead of helping the consumer to get the assistance they need in a simple, easy to access manner. So fed up of this.
Product: Credit reporting

I have several inquiries on my report from XXXX & XXXX that was not authorized. I have called the credit bureaus and was told to call the companies that pulled my credit. I just recently called XXXX and they can not find any record of reapplying for credit with them, but it is showing in my report at least 4 times. So after speaking with XXXX I called the credit bureaus back and they still would not remove any inquries. I need some help with this because I am being pulled into XXXX directions but not getting anywhere. Thanks so kindly for your consideration and your help!!
Product: Debt collection

Springoakcap XXXX XXXX XXXX XXXX, VA XXXX XXXX Reference : Account Number XXXX Dear [ XXXX Person ], I am writing to formally request a debt validation letter concerning the above-referenced account. I request the following information : 1. Validation of the Debt : The amount of the debt.

The name of the creditor to whom the debt is owed.

A copy of the debt agreement or contract signed by me, evidencing my obligation to pay the debt.

A complete account history, including the amount of the debt when you obtained it, the date you obtained it, and the name of the entity that sold it to you.

2. Purchase Agreement : A copy of the purchase agreement between Springoakcap and the original creditor.

3. Verification of My Signature : A copy of the document bearing my wet signature, proving that I agreed to the debt in question.

I request that you cease all collection activities until this debt is validated. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and you are obliged to provide it. Please consider this letter as a formal dispute of the debt and a request for validation. 

I look forward to your prompt response. 

Thank you for your cooperation.
Product: Checking or savings account

Merchant charged me XXXX. I think the bank has issues with pre authorization charges and final charges. This has happened several times in the past. Then its a complete disaster of poorly trained individuals unwilling to file my dispute. Isnt this illegal. Knowingly disregarding a dusters dispute??
Product: Credit card or prepaid card

On XX/XX/2019 a fraudulent account was taken in my name to obtain a credit card. I sent letters to the collection agency along with XXXX disputing the inaccurate information and requesting original documts supporting this debt. The account XXXX is the account in question with Bank of America. I filed the police report and completed a notorized affidavit disputing the inaccurate information. I've sent both bank of America as well as XXXX a certified letter requesting information regarding this fraudulent account and requesting for documents supporting this debt and neither agency has responded.
Product: Checking or savings account

I need to dispute XXXX charges made with my debit card, because the shop never sent the items to my address and never provided any tracking number ior information of the shipment. 
1 : XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 2. XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 3. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX, must be delivered on XX/XX/XXXX XXXX. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX must be delivered on XX/XX/XXXX I called many times to the merchant but they never answer the calls, and also never answered the emails. 

Also I tried to dispute this charge directly with the bank but they waiting time trought the callcenter was very long and they dont provide any other option to dispute charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my credit report - I'm an victim of identify theft. So I placed a security freeze on my account. When attempting to call the them to have it removed -they all give me the run around and when I'm only asking to secure and unsecure. I'm in the process of applying for some things. However, it seems to be an issue with them wanting to life my information. Customer service is out of the country and when I ask for a supervisor there is nothing that they can do for me. Any one of the reps that I speak with can not assist me with what I need. My logon information has been jacked I have mailed my ID and other items so that they can fix the issue nothing has been resolved at the current moment. All I get is the run around when contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency into a public record entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX and that I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 

On XX/XX/2018, I mailed a notice to TransUnion in an effort to have the inaccurate item removed or for the credit bureau to produce written documentation, in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request. I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verified it, the information is sent back to TransUnion. I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I contacted TransUnion once again and spoke with another representative, this time he advised me the information is verified by a runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me, unfortunately, I can not provide you with any information in regard to our investigation. He also doubles down, I can not comment on that, because that is XXXX policy that we can not disclose the source of any investigation. He advised me that they use a form which is sent to the courthouse. I asked what type of form and exactly where the form is sent as the court clerk confirmed that they do not verify any information with the bureaus. 

Furthermore, I asked if he could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I provide a letter from the Bankruptcy Court and the others XXXX and XXXX regarding my security freeze to validate my claim. I am requesting assistance in getting this ongoing issue resolve. 

Respectfully, XXXX XXXX
Product: Credit reporting 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 Account NumberXXXX : 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 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

Navient refuses to properly process my Teacher Loan Forgiveness Application. The application is properly filled in and I meet all requirements including : 1. XXXX  at an eligible XXXX  XXXX  2. Being a highly qualified XXXX XXXX XXXX XXXX, or ( only if my XXXX  XXXX  began before XX/XX/ ) a XXXX XXXX XXXX XXXX in a subject area relevant to my academic major ( forgiveness of up to {$5000.00} ). 
3. Being approved and signed off by my XXXX  's Assistant Superintendent of Finance. 

The application was rejected twice for the following reasons. The first rejection was because the assistant superintendent used the date format XXXX. Navient insisted the date format must instead beXX/XX/XXXX. The second rejection was because the assistant superintendent did not include the middle initial of the XXXX  's name ( e.g. " XXXX XXXX XXXX XXXX  '' instead of " XXXX XXXX XXXX XXXX XXXX '' ) even though there is only one such named XXXX  in the city and even state. 

I continue to resubmit the application with each technicality corrected, but new technicalities continue to cause rejections. I have no doubt it will continue to be rejected without just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit, and I notice I had a fraudulent discrepancies from a company named Mariner Finance on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency refused to provide me legit paperwork on signed documents bearing my signature that I owe this account. This account is also more then 10 years old and should not be on my account. The collection account is XXXX XXXX XXXX
Product: Debt collection

I received a voicemail on XX/XX/2020 with the following communication : " Unfortunately, we received notice on your file today. It is Thursday XX/XX/XXXX and your file has reached our office due to your failure to respond. We do need to know, was this done intentionally or was this an oversight. I suggest you communicate, we are open until XXXX XXXX. today. The phone number is XXXX. Again, it would behoove you to call before we are asked to cease voluntary communications. XXXX. I apologize for the aggravation but we only received the notice this morning. We may speak with you or counsel. '' I returned the call asking for the following : The name of the company The address/city/state of the company I told the representative that the purpose of this request was that I wanted to send a debt verification request letter to them. She refused after multiple attempts to provide me with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name Is XXXX XXXX XXXX Birthday XX/XX/XXXX Iam A Us Citizen I Couldnt Open A XXXX  Checking Account When I Went To The Branch They Mailed Me A Paper To My Home And It Says My Credit Score Is XXXX it Says The Key Factors Is Because Too Few Mortgage accounts and length of time most recent collection has established is too short/ to many serious derogatory items /total amount past due or collection amount is too high and I Never Took Out Loans From No Where I Also Never Owned A House I Never Owned A Credit Card From No Where Everything I Ever Brought In My Life I Always Paid Cash For It I dont Have no Bank Accounts I Use To Have Bank Of America And XXXX  But My Cards Was Lost To Them And I Asked Them To Close The Accounts Thats At The Time When My Oldest Daughter Was Living With Me XXXX I Dont Own A vehicle I dont have a job Im a XXXX XXXX XXXX with a XXXX XXXX With XXXX Other Children That Also Live At Home With Zone I Caught My Oldest Daughter XXXX XXXX Age XXXX Going Threw My Important Papers And Since And Every Since I Caught Her I talked to the police about it and they said that it aint Identity theft because she didnt steal my ID or social security card I caught her with all my information writing it down then she ran Out The House And I Didnt No What To Do About All This I Really Need All This Cleared Up Because this is Not My Doing I Obey The Law Please Can Your Company Clear This All Up Because I Would Like A Bank Account But They Saying I Cant Have One Because of All This I Need For This To Be Cleared Up As Soon as Possible Thank You Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy on XX/XX/year>, with the United States Bankruptcy Court for the XXXX XXXX XXXX Indiana, Case # XXXX. The bankruptcy report was not obtained from the courts, as their website states they do not report to credit agencies. Therefore, it is not possible for them to have provided that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.