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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Several mistakes occurred at the end of XXXX and XXXX in which the lender/servicer admitted fault and submitted requests to credit bureaus, including Trans Union , to reverse their reporting as it was a mistake. On XX/XX/XXXX I submitted a dispute with Trans Union to dispute the inaccurate reporting. I had also submitted a dispute with CFPB on XX/XX/XXXX where XXXX Mortgage 's XXXX of Customer service XXXX responded that corrections would be made within 1-3 business days with bureaus and to refer to the correction code AUD # XXXX. I attempted to log into the Trans Union account XX/XX/XXXX as I received a message that there was a dispute result and I was shown an error code XXXX Access Denied per the message after I clicked log in. I had thought this was partially cleared as XXXX XXXX reports my points being added back and no delinquency with XXXX Mortgage. On XX/XX/XXXX I went to take out a personal loan for some home projects at a local credit union who reported that my credit was XXXX. It appears Trans Union has not fixed my credit report despite the request from XXXX Mortgage. I called XXXX Mortgage who reported that I must dispute again this Trans Union as they have already reversed the credit reporting. I was never delinquent with XXXX Mortgage. I urge Trans Union to do the right thing and correctly report my credit report.
Product: Student loan

This account reported by Navient and held by XXXX shows an original balance of {$4200.00} and a charged-off balance of {$6100.00}. This account was disputed and found to be predatory lending under the borrower 's defense investigation. Navient then wrote off {$6000.00} and continues to make collection calls regarding a balance owed of {$1600.00}. Additionally, they report the account is current, not determined, or charged off on my credit despite continuing collection calls. They have harassed myself, family members, and my workplace.
Product: Debt collection

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary XXXX  AND XXXX  distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Equifax sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Equifax removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX.
Product: Checking or savings account

I opened this account on XX/XX/XXXX with the expectation of receiving a {$200.00} new account bonus.

The requirements were : -You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

-Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

-The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

On XX/XX/XXXX I received an direct deposit from my employer in my BBVA account in the amount of {$300.00} meeting the terms of this new account bonus. It has now been many more than 60 days, but my new account bonus has not posted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX SSN : XXXX XXXX XXXX breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX XXXX Breach XXXX I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and experian are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me XXXX XXXX and experian are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX  120 days in XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.
Product: Checking or savings account

I have had a paypal account for multiple years, using their debit card option for the same amount of time. Using mostly for things like online shopping, convenience stores, gas, etc. I make the same type of purchases at the same places religiously. 

I've never had problems with my account, so I decided to have my financial aid for school deposited into the account. I'm just a student, I don't work, so this aid would be my means of living for the next few months. 

The financial aid was deposited on XX/XX/2023. 

I made a few of my usual transactions, nothing out of the ordinary, then after trying to make a transaction I was shocked to see it declined. 

This was not more than 2 days later, on XX/XX/2023. 

Quickly realizing my account was marked " limited '' I immediately called customer service to try and sort this out. Customer service tells me not to worry, it will get handled swiftly, and tells me she doesn't even know why it was limited but tells me it will be handled asap. 

The customer service agent then tells me I can still use my card at the store, and I confirm what I'm hearing is correct 3 times with her, and each time she insists that I can use it. 

I test her claims at the gas station just to be declined at the pump. 

I decide to give it two days, as the notice on my limitation tells me I will hear from them about this limitation on my account within 2 days. But, I did not hear back. 

XX/XX/2023 XXXX message paypal support through their message support feature. The agent tells me it is limited because of a transaction. Which transaction, she doesn't know. I tell her I can supply her with any information they could possibly need for me to confirm my identity and confirm I made any transaction. 
I offered my updated drivers license I offered proof of address I offered standing in front of my ID to confirm its me sending it. 

She says they don't need any information from me and gives me the usual script of not to worry. 

XX/XX/2023, I message again and again they tell me to " give it a couple more days it's just a matter of time ''. I am basically begging them to let me confirm my identity or if theres a transaction in question let me prove whatever it is they need to give me access to my funds. Still, the answer is no. 

It's now XX/XX/XXXX. I can't transfer my funds, I can't close my account, I can't use any of my money to buy textbooks I need for class which will result in me having to drop my classes and ruin an entire semesters worth of time. I can't buy groceries, gas, fix my car which just broke down, paying my school registration fees, virtual products I need for my classes, nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance XXXX : {$9000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ;
Product: Debt collection

I'm asking the credit bureau to fix the negative status on these accounts. My husband handled the bills, but since his passing in 2019, I wasn't aware of the steps. Despite talking to the banks and them agreeing to update the status, the credit bureau verified the information. I've tried multiple times to dispute and get proof, but there's been no response, violating the FCRA. Please delete the late dates as they're unverifiable and causing distress after my husband 's death in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANS UNION ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX  LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Product: Debt collection

I paid my account in full on the due date with my debit card, yet I was charged late fees for months after the debt was paid in full, plus interest on the fees. The payment due date was XX/XX/2018 and I made the payment on XX/XX/2018 and was charged a late fee on the due date of XX/XX/2018. As a result they have ruined my credit because they reported late payment on the fees and interest charged even though my account was paid in full on the due date to all three credit bureaus. Furthermore, I am XXXX XXXX XXXX   and the hours I have spent trying to get this resolved has caused significant stress/anxiety. I am also requesting that XXXX XXXX not contact me via telephone and to communicate via mail only.
Product: Checking or savings account

I opened a savings account with hancock whitney bank last year in hopes of ordering kennedy halves on a weekly basis ... in which i was given permission to receive 2- 500 boxes a week for collecting ... i thought i had a very good relationship with this branch.. they worked with me appox 6 mos ... recently was told by XXXX XXXX  manager that she would no longer order these for me as i did not have a commercial account ... was very disappointed by this ... so i accepted my loss with this bank and this XXXX XXXX ... .this bank and all surrounding branches now will not accept any coin deposits at all thanks to the XXXX XXXX lady manager and her boss who ever he is? they reported to the other branches to not to do business with me at all ... was told that my account will be terminated ... my letter is in the mail from them stating this ... my biggest question is why stop me from depositing coin into my account? ... .P.S This Account was for my XXXX  year old nephew he is now heart broken.
Product: Mortgage

Around the first of XXXX, I contacted XXXX to apply for a cash-out refinance. I explained that I had medical bills from a XXXX XXXX earlier in the year, and I was approaching a critical point with my bills and I needed the cash-out refi to hopefully lower my interest rate, but most importantly to pay off some outstanding debt. The refi process went along relatively smoothly, albeit very slow. Every communication with XXXX XXXX XXXX, XXXX XXXX XXXX was via email, so anytime they needed something, I found out about it after I got home from work, too late for " same day response '' - if they had called, it would likely have cut the process time by a third. At any rate, they process completed and I closed on the loan Friday, XXXX XXXX, 2016. At the closing they stated that the loan would fund on XXXX XXXX. On the afternoon of the XXXX of XXXX ( XXXX ), I received a phone call from Texas Lending stating that we had a problem - XXXX business days after this process started. XXXX XXXX XXXX with Texas Lending stated that they had run another credit check on me, and my rating had dropped below their allowable limit and they would not be funding the loan - this was on the day it was supposed to fund. 

In the beginning I explained that I was approaching dire straits and they were aware that this is what I was getting the loan for. Their slogan, or motto, or misleading tag line - is that they target closing the loan in 21 days. Due to their operational method, they took double that time to close my refi. 

Even after all papers were signed and the loan was closed - signed and sealed, on Friday XXXX/XXXX/16 - they waited till the following Wednesday ( XXXX/XXXX/16 ), on the loan funding date, to check credit and decide not to fund the loan, because I had gotten a little behind on the very credit cards they were paying off with this refi. 

There has to be something illegal about the way XXXX\Aspire Financial conducts business.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

BBVA ran a {$400.00} cash bonus when a checking account was opened and certain requirements were met. 

I opened an account online on XX/XX/XXXX with promo code XXXX. The promo stated that if I made a direct deposit of at least {$2500.00} by XX/XX/XXXX then I would receive a {$400.00} cash bonus by XX/XX/XXXX. The requirement was met on XX/XX/XXXX but the {$400.00} cash bonus has not been applied to the account. 

I reached out to BBVA in writing on XX/XX/XXXX requesting a status update on the bonus. I received a response on XX/XX/XXXX informing me that I had not met the requirements for the bonus. 

I responded in writing on XX/XX/XXXX with supporting evidence showing that the requirements were met. I received a response on XX/XX/XXXX dismissing my supporting evidence without adequate explanation and informed they would no longer review my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries are on authorized and I would like them removed. They are preventing me from applying for credit and are currently damaging my credit. 

XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX  XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XX/XX/2018
Product: Debt collection

Hello, it is XXXX XXXX I want to express my case regarding the late payment on XX/XX/2020, I came down with XXXX  and my business suffered, when I called Capital One to get Covid relief they put me on hold and kept transferring me and I ended not getting a deferment. 

Later Capital One blocked off access to me online account, I could not access the account. Capital One put this business account on my credit report and reported it as a personal account instead of a business account. Capital One failed to send me notice required by law letting me know adverse info was about to be reported to my credit report.

I want that Capital removed the XX/XX/2020 delinquency from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I have an account in collections that is not mine. 
It is through sunrise credit services and originated from at XXXX XXXX. It was opened on XX/XX/2023 and is the amount of {$1200.00}. This was at an address I have never lived at
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid one of my medical bills with the amount of {$160.00} on XX/XX/2018. The account shows as a collection reported XX/XX/2018 with a balance of {$0.00} and the status is paid.