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

TRANSUNION XXXX XXXX XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : Account : XXXX Account Number : XXXX Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer reports without prejudice. Also, according to FCRA laws while investigating this matter you must remove above -mentioned account from my credit report while under investigation. 



Warm Regards, Without prejudice, all natural inalienable rights reserved
Product: Checking or savings account

i was called an ask to give my bank info which i did an ended up having XXXX dollars taken out of my account an chase is not giving me anything back my account was hacked an i sent the info to the Government i would like chase to resolve my problem as im struggling to pay bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/2020 XXXX. XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this hard inquiry to XXXX as fraudulent from this company and they have not yet been removed it. I did not authorize the following inquiry and I have a police report attached showing that my identity was stolen. Please remove the following inquiry from my XXXX credit report : Westlake Service XX/XX/2021
Product: Mortgage

Chase never sent satisfaction of payment to county. This should have been done within 90 days sixteen years ago. We did not find out until we tried to get a home equity loan. This is the only thing keeping us from closing. We have called daily, sent emails and have been lied to. We have been dealing with this since XX/XX/2017. Thank you.
Product: Debt collection

I am writing to formally dispute the reporting of an alleged medical debt under {$500.00} on my credit report. I have become aware that the Consumer Financial Protection Bureau ( CFPB ) has instituted a new rule that prohibits the reporting of medical debts under {$500.00} on consumer credit reports. Unfortunately, it appears that your company is violating my consumer rights by continuing to report this debt. 
The account listed below is showing an alleged balance of {$260.00} on my credit report. 
Under the CFPBs new rule, which took effect in XXXX, medical collections under {$500.00} are no longer allowed to be reported on credit reports. 
As stated in the article published by the CFPB on XX/XX/XXXX : Two-thirds of medical collections on credit reports will no longer be reported. 
Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. 
For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 
This new rule clearly applies to the debt listed on my credit report, and I request the immediate removal of the following account ( s ) from all consumer reporting agenci
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a whole bunch of hard inquiries on my report I didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to complain about accounts that I have in my profile, XXXXhe point is that these are not my accounts but they are reported by mistake in my credit report. I kindly ask you to delete them all please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Experian account XXXX XXXX account XXXX XXXX XXXX XXXX Experian account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX  XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX of XXXX XXXX XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had just cashed my check and basically they froze my account
Product: Credit reporting or other personal consumer reports

My name and personal information is Listed in a XXXX XXXX Trans Union. XXXXXXXX XXXX. Consumer Reporting Agencies need to remove all items listed on my Consumer Report states the XXXX due to the Breach
Product: Mortgage

OCWEN LOAN SERVICING AND XXXX, XXXX & XXXX HAVE VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X 31 TIMES SINCE XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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Product: Credit reporting or other personal consumer reports

The Following accounts were used unauthorized. It affects my Credit File. I need help I am a victim of Identity Theft. Remove the following accounts from my Credit Report!.

1. XXXX XXXX XXXX XXXX Credit Card {$1600.00} 2. XXXX XXXX Auto Loan {$2300.00} Delete also the Following Inquiries from My Credit Report.

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

On Complaint XXXX - Equifax closed the complaint indicating that the issue has been resolved and that I need to be descriptive in my request. 

Here is the issue for the 5th time. I have requested documentation of validation from Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX for Equifax to provide me with the proof of documentation used to validate a bankruptcy that they are reporting on my credit file. To date, Equifax has not provided the documentation and continues to report this alleged bankruptcy costing me thousands of dollars in unnecessary interest as well as impacting my ability to obtain employment
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. I am disputing this accounts as this was opened without my knowledge, consent, or authorization. After contacting the respective companies, I was advised to file an FTC affidavit via the identitytheft.gov website. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. I am asking for your assistance to remove the fraud items : 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
Product: Debt collection

On XX/XX/XXXX, I called the collection agency : Credence Resource Management regarding a past due debt that was originally due to XXXX XXXX. I asked the representative to furnish the original date that this debt was sold, which they could not find or answer. I asked if a validation letter was sent to me and they could not verify ever sending one to me. They confirmed my correct address as well as correct phone number and email. The amount that is shown on my credit file did not match up with the amount the representative told me I owed. The amount became greater. I asked the reasoning behind this and they could not give me any information nor could find any increase from day the collection agency purchased the debt. The original amount shown on my credit report is {$59.00} and the quoted amount as of XX/XX/XXXX is $ XXXX.Throughout the whole phone conversation, the representative was only concerned about me paying them, having asked me five times throughout the call. He also quickly changed the subject when I asked for my validation letter, dates, and the incorrect amount to changing the subject to insisting a payment and the form of payment I want to use. I understand that this is a very small increase and I can pay the amount, however, the information I asked about the correct steps the agency was suppose to take were never taken, with no intent of researching the questions that I legally have the right to receive. This collection agencys practices are not conforming to the lawful steps that agencys need to take. 

The date that the agency obtained this debt was XX/XX/XXXX. 

I have not had XXXX XXXX in over 6 to 8 years.
Product: Payday loan

I borrowed {$2500.00} from Western Sky ( XXXX ) and I paid the principal of the loan and I called to check the balance and was informed that the remaining balance was more than the original loan. Now I am receiving calls stating that I defrauded a banking institution and a judgment is being filed against me. These people have been unreasonable. In a desperate situation I contacted a Pay Day Loan Solution and paid the fee to them and I was informed that this company was not licensed in the state of Tennessee. Today, I called and they stated that I owe {$2300.00}. 
I need help in this situation, this has ruined my credit and I see that this company has been banned in several states and after the principal balance has been paid they are not able to recoup any other funds. Can you please assist in this matter. 

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

I reported the inaccurate information to the company in question. They mailed me a letter instructing me to complete this form.
Product: Debt collection

I spoke to the company on at least 4 occasions about the debt, explaining the information that they have was not correct. I also wrote to them on one or two occasions asking for a copy of the contact they say they have with my signature on it. But they would not provide me with a copy showing that I was a cosigner to the debt. 
I have sent them a certified letter around XX/XX/2018 with no correspondence from the company.
Product: Credit reporting

I am seeking validation from each creditor that has requested access to my credit report for as you put it " permissible purposes. '' I have contacted the creditors directly at your request and when the Customer Service Representative and supervisors was not able to pull up information on me, I requested a letter of Deletion as I was instructed by your agency to do. I was denied in my request since there was no actual account information on me. So I am curious as to how you were able to successfully validate this inquiries to be true and correct when the Credit Agencies could not. 
I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
I am again requesting that you validate each inquiry reporting on my credit report as well as providing me the contact name, department, and phone or email address along with verifiable proof that they had " permissible purpose ' to request my information in witting. 
As already stated, the items you are reporting are inaccurate and incomplete, and is very serious error in reporting. 
Rather than admit nothing was done on their end, I receive a standard Brush Off answer that I 'm suppose to accept. I sent over a notarized letter indicating inquiries in questions which I have no knowledge nor provided authorization to obtain. These inquires are hurting my overall credit score and have been the reason for recent accounts denials. The information is inaccurate and unless they can provide me with proof of permissible purpose, I want those accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Collection agency reported information on my report, and a debt is not mine. I called to resolve the issue however, the debt collector stated that it doesnt matter the debt needs to still be paid regardless. I am not willing to pay debt that I do not owe.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that UPLIFT, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Student loan

XXXX XXXX, XXXX Navient manages a series of federal student loans I took out during college. I 've spoken with their call center ( located in the XXXX XXXX multiple times as I prepared to pay off the loans that were un-subsidized and at a higher interest rate. After considerable financial planning, I took my inheritance from my mom and very, very clearly instructed Navient over the phone to pay my highest interest, XXXX  loan in full : {$4700.00}. 

Because of the emotional attachment I had to this inheritance from my mom, I was extremely careful and extremely clear and talked to three clerks at the call center before finding one that undoubtedly knew exactly what I was asking for, and she confirmed that we could pay for that single loan without a problem and she told me by phone that I had paid the loan XXXX XXXX XXXX in full, and would get the official letter confirming this loan had been paid off. 

Although I believe the clerks intentions were good, when I reviewed the emails, paperwork, and online account information on my payment of {$4700.00}, I discovered that Navient had distributed the {$4700.00} across all of the loans - most of which went towards lower interest loans, subsidized loans, and loans that qualified for forgiveness. They did not follow my instructions and did not do what we had agreed upon. I think they did this on purpose because I was making a wise financial decision by paying off my worst loan first ( it was not consolidated - so it was not part of a grouping of loans ). It really appears that they lied to me in order to charge me more money in the long-term. 

I am worried that they will not fix this - particularly since the only record of my request would be their recording ( I did not record the phone call - but I will record all of my phone calls with Navient from now on and will let them know I 'm doing so at the start of each conversation ). 

My mom worked so hard to save that money, and I have all these memories from childhood of her leaving at sunrise for work and not being home until late ... she wanted to help me go to college, but because of life 's misfortunes she could not. She left me that gift when she passed on, and I was trying to use it for what she would have wanted - my college education - and Navient disrespected that by trying to make more money off me by distributing the payment across loans instead of the one we agreed upon over the phone. 

I really worry about other people in a similar circumstance as me, but who are n't keeping detailed records and who do n't have time to double checking that what Navient does matches with what they said over the phone. What they did to me was an easy/deceitful way to make me owe more money for a longer amount of time. 

Thank you for bringing attention to this. My biggest concern is that this was not a mistake ( because I 'm sure the clerk and I were on the same page ) - but part of an organized effort by Navient as an institution to charge more interest and make more money by not following the instructions of those that try to pay off higher interest unsubsidized student loans first.
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. 

XXXX XXXX : # XXXX, XXXX 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.