23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

IhadlefttoliveinXXXXsinceXX/XX/2015andwhileIleftsomeonehadusedmyinformationandopenedcreditcards.
IamhereinUSAforavisitbutIstillwantmyfraudchargestoberemovedfrommycreditreport
Product: Student loan

I have received communication from Mohela to repay my discharged XXXX students loans effective XX/XX/2023. I don't understand why they are sending me this information if they already have the letter from the US Department of Education confirming the loans for XXXX university were all discharged. I do not want to want until I begin to have additional problems with my loans. I would like them to process the discharge immediately. 

I also would like a more comprehensive listing of all payments I have paid to All servicers that have managed my XXXX University student loans. Per the discharged agreement, these payments should have been fully refundable to me. I have only receive a partial payment. 

Lastly, I would like all payments paid on my son 's student loan ( XXXX ) to be evaluated and counted towards my PSLF counts. My PSLF counts need to be updated through XXXX, 2023.
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX.
Product: Debt collection

Around XXXX I opened an I had an account with XXXX XXXX ( XXXX ). The original amount was {$1800.00} for the purchase of a computer at 26 % interest. 
They sold the account to another company, which name I don't recall. That company subsequently sold the account to Sacor Financial. 
In around XXXX. Sacor contacted me over the phone and advised me that I owed them {$3800.00} on said debt. At that time I agreed to make a payment arrangement of {$40.00} Monthly. After that I called them multiple times over the years to ask how much I owed and for them to send me statements by mail. However, I was told that they didn't ; have to send me any statements. 
Recently, I contacted them because I wanted to pay-off my bill. Consequently I received a letter from them, just stating that I owed them {$14000.00}. When I called them and asked them how could that be possible, They told me that it was due to accumulation of interest. 
I then requested a breakdown and the account Representative didn't know how much did I owed when they bought the debt. They told me that they did not have that information. They bluntly told me that I owed them {$14000.00}, They took my payment of {$40.00} a month for ten years totaling {$4800.00}. Where did that money went. I am willing to pay the correct amount and that is the correct amount.

I hope you can help me on this matter there are many consumer in the internet ( website review ), which are having the same problem with Sacor. 
Can you help me on this please. or do you recommend for me to hire an attorney to deal with this company. 
I hope to hear from you soon Thank You,
Product: Credit reporting or other personal consumer reports

I would like for these inquiries to be removed from my credit report. They were not authorized by my consent and would like for them to be removed immediately. 

Transunion : 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

I disputed inquiries that were not made by me however I have not heard back from them experian,   XXXX   and  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was a resident of XXXX XXXX XXXX When my lease period was ending I tried contacting the leasing office to get information regarding the lease extension as well as the move out process. I was informed every time that they would get back to me and they never did. When my lease period was finally up I reached out to them again and they informed me that they never got the information and they refused to accept that it was a mistake on their end. I reached out to XXXXXXXX XXXX office on the XXXX XXXX XXXX and informed everything before Covid. They took my information and never responded. Meanwhile, the balance due was reported to collections. I am still unaware on why this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Debt collection

XX/XX/2020, I received an update from XXXX stating that a collection had been posted to my credit file from Afni, Inc. with an amount of {$440.00} I owe to XXXX XXXX XXXX. I have never been contacted by Afni, Inc. by mail or phone. I do not owe XXXX XXXX XXXX and have nothing from XXXX XXXX XXXX to reflect a past debt. Afni, Inc. is past the four year period under the Texas Debt Collection Act and is reporting false information on my credit report by stating first that I owe money and second that I am behind.
Product: Mortgage

This account is XXXX, Subserved by LoanCare.This file is in the Foreclosure Avoidance program. Which is required by the state of Oregon. 

Between XX/XX/XXXX and XX/XX/XXXX I the Homeowner provided my Housing Counselor with the documentation for Loss Mitigation review. The last document, a requested Letter of Explanation explaining why the Homeowner used a XXXX XXXX with an explanation of the eldest childs income and the XXXX bank statement was uploaded XX/XX/XXXX and the file submitted to the Beneficiary Counsel for the Beneficiary to review. 

Since my Housing Counselor believed it was a complete file, he contacted the Beneficiary attorney on XX/XX/XXXX and again on XX/XX/XXXX to inquire about the Loss Mitigation decision. 

XX/XX/XXXX was the 2nd Resolution Conference, and my Housing Counselor was only then informed by Counsel that LoanCare was confused by the request for Mortgage Assistance, deemed the file incomplete, and had communicated that to Counsel within the last couple of days. 

This lack of communications from the Beneficiary to Counsel so that I ( the Homeowner ) could resolve the issue in a timely manner is unacceptable because LoanCare never communicated that they considered the file incomplete until the Resolution Conference XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complain against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Bank account or service

I was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to XXXX, Equifax, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : 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 XXXXXXXX Equifax is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is XXXX the XXXX names of : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not updated my XXXX XXXX credit card balance as XXXX for 3 months now
Product: Credit reporting or other personal consumer reports

Within my consumer report, I have uncovered significant inaccuracies that not only have a detrimental impact on my financial well-being but also underscore TransUnion 's continuous disregard for federal laws established to safeguard consumers, including the Fair Credit Reporting Act ( FCRA ) Attached to this complaint is a certified notice providing further details on the unauthorized and improper utilization of my consumer report, sent via XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. 
Upon meticulous scrutiny of my consumer report, I have identified discrepancies concerning the following account :
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent three credit report disputes to XXXX, XXXX and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.
Product: Credit reporting or other personal consumer reports

these inquiries were unauthorized and Im a victim of identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC XXXXi ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit card

The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 Collection Account : XXXX XXXX XXXX {$450.00} account number XXXX XXXX XXXX XXXX {$1400.00} account number XXXX XXXX XXXX XXXX {$450.00} account number XXXX XXXX XXXX XXXX {$580.00} account number XXXX XXXX XXXX XXXX  {$880.00} account number XXXX XXXX XXXX  {$700.00} account number XXXX XXXX {$910.00} account number XXXX XXXX XXXX XXXX XXXX {$2500.00} account number XXXX XXXX XXXX XXXX  XXXX {$300.00} account number XXXX XXXX XXXX {$700.00} account number XXXX XXXX XXXX XXXX {$32000.00} account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX {$10000.00} account number XXXX XXXX XXXX {$1800.00} account number XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I am having problems with Transunion, XXXX and XXXX giving me any type of response regarding such collections on my credit file, I am trying to move forwards in life and I must say they have made it quite difficult for me, can someone assist? Please look at the accounts listed below Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I sent a request of validation to the company AWA XX/XX/XXXX I have yet to hear from the company so I gave them a call XX/XX/XXXX, the lady informed me that they in fact did receive my request and they did not respond because they are waiting for me to send them a police report. The lady over the phone informed me they would not be responding to my request and told me she would be hanging up one now and proceeded to end the call. This agency is adding interest on the account after I requested validation
Product: Checking or savings account

I am submitting this formal complaint against Ally Bank regarding their failure to provide access to my account and funds. 

I have repeatedly requested information from Ally Bank to understand why my account is blocked and when I will regain access to my funds. However, I have not received any clear explanation. 

Every time I contact their customer service team, I am told to wait for a call, but no one has contacted me. Additionally, I sent an email to their support team, but I have received no response. It has now been 4 days without access to my account or money, which is causing significant inconvenience. I need these funds to pay essential bills, and the lack of communication is unacceptable. 

I am requesting your assistance in resolving this matter as soon as possible. Please investigate Ally Banks practices regarding account blocks and lack of customer support in situations like this. 

Thank you for your attention to this urgent matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Debt collection

I have sent letters for the last several years for Target to validate the date or send proof of the debt. The most recent letter I sent to Target was XX/XX/XXXX regarding a fraudulent account from XXXX. I sent my police report. I also have an identify theft report from the FDIC. Nothing has b been done. XXXX  and XXXX  removed the debt in XXXX, but XXXX  the debt remained on my report. On XX/XX/XXXX. XXXX XXXX  allowed for Target to put the fraudulent debt back on my report after I sent in proof numerous times stating that the debt do not belong to me. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 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