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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.
Product: Credit reporting or other personal consumer reports

My loans transferred from XXXX to XXXX and nelnet is still showing up on my credit report. So now it shows double the amount of loans it should show. I filed a dispute with experian and it didnt fix the problem. I dont know what to do.
Product: Credit reporting or other personal consumer reports

I have requested XXXX XXXX XXXX XXXX to remove their furnishing report that is still on my credit report ( excluding XXXX and XXXX ). They have continuously failed to report to the remaining major credit bureau, Equifax, to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ). 

Additionally, I have requested for my XXXX  to be changed to XXXX, which reflect my other legal documents, and they have yet to change that alongside placing an extended fraud alert even with the proper documents.
Product: Mortgage

Truist Bank, my mortgage servicer, is supposed to pay my homeowner 's insurance policy premium out of my escrow account to my insurance carrier, XXXX. However Truist keeps putting a 'stop payment ' on the checks before XXXX can cash them. My insurance policy has now been cancelled due to non-payment. 

First check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {$530000.00}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Second check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {>= $1,000,000}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Third check issued by Truist : Bulk check number XXXX dated XXXX XXXX for a total amount of {$270000.00}. This check has not yet been cashed.
Product: Credit reporting

EXPERIAN has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I also sent out a letter to the clerk of XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX or XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing the correct information. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

What Happened? 
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/XXXX ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''
Product: Money transfers

while looking for employment I was approached via email XXXX for a XXXX XXXX Position. HR contacted me and passed this initial interview. I was then passed on to the HR trainer where 4 weeks of training would be conducted on line. XXXX 2 weeks I was learning policies, acronyms, processes, etc. and passing weekly tests. The XXXX week i was asked to purchased some equipment ( valued at {$7400.00} XXXX and send out of country to a new office being opened. Being careful throughout this whole process about identity theft, I provided no personal info, in fact the hiring company said a few times that no personal info was required untill I passed the 4 weeks of training and met the hiring manager for the final interview. So for the XXXX project I was issued XXXX that had an account # and routing # XXXX CHASE BANK XXXX with funds that were put into my name that were to be used to purchase the equipment. I was asked to use my personal CC at this time till I became full time employed. I transfered the funds from the account info provided into my personal CC and waited till the funds posted. Once posted a few days later I proceeded to purchase the requested equipment and ship out of country to the designated address. I was requested to use USPS priority international delivery. I was then asked to perform the exact same task a second time which is when I suspected something was n't right and asked a few more questions. At this time the response from XXXX XXXX was not acceptable and knew at this time something was wrong. I sent a final email declining the XXXX project / /purchase and also declined any employement with the company., I then proceeded to stop the shipment that was done earlier that morning with the USPS and was told that I was not able to stop it being it is an international shipment. I then contacted my credit card company " CHASE '' and explained the situation and was told the funds are OK and no issues. I have been checking my account daily to ensure no issues and on XXXX/XXXX/15, the posted amount of {$8000.00} was reversed from my credit card account. I do not understand how CHASE bank that the funds were transfered from did not know the account I was using to transfer funds does not have a check / balance process in place to review and detect scams like this. A phone call or text or something to the actual owner of the account. Besides the names being different on the accounts. Todays day and age with technology, banks should be able to detect scams like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identify theft I have things on my credit that I do not have knowledge of and did not authorize. I am unable to move forward in any aspect of my future
Product: Debt collection

did not get proper notification of the debt and I want to request for the debt to be removed from my credit and sent back to the original creditor.
Product: Money transfer, virtual currency, or money service

I used XXXX with my bank Chase prior to the disclosures that they now provide for the service, money was accidentally sent to wrong person and they would not intervene
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( XXXX, Equifax, and XXXX ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXX. Account # XXXX
Product: Credit card or prepaid card

I was denied a credit approval on XXXX/XXXX/2017 for a credit card from Citi Costco. I contacted COSTCO application department and I was told I was denied because of a 29 year old bankruptcy they have on their file. When I asked to remove the information because of age. I was told they will not remove the negative information from my file.
Product: Debt collection

To Navient Student Loan Services/ Whom It May Concern : I am writing to formally dispute the alleged debt reported by Navient Student Loan Services on my credit report. I believe this debt to be fraudulent, as I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation and verification of this debt. To resolve this matter promptly, I request that you provide the following documentation : Proof of Authorization : Evidence demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being collected.

State Authorization : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Alleged Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt. 
Full Account History : A comprehensive account history, including any charges, fees, and all collection-related activities.

Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities until the alleged debt has been validated as required by law. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be reported to any credit bureaus without my explicit written consent.

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations.

1692g ( b ) : Requiring the proper disclosure of my rights and validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor 01 XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED
Product: Debt collection

Account resolution services has had duplicate accounts on my credit report since XXXX for medical bills that XXXX should have paid for. The duplicate amounts are : {$1000.00}, {$1000.00}, {$760.00}, and {$760.00} again. Ive disputed these and they still havent been removed. XXXX of the accounts have the same account number and just one has a different account number. XXXX accounts were opened on XX/XX/2020 and XXXX account was opened on XX/XX/2020 for the exact same amount. I asked how could I have for bills in collections with the same amounts and havent gotten an answer yet. I had one single procedure done at a hospital and Im getting billed XXXX  times and its on my credit report. How is this even legal? I would like someone to please look into this for me or please explain why these duplicate bills are on my credit report. I told them this had to be some kind of medical fraud for those dates and amounts to all be IDENTICAL and obviously they do not care about ruining someones credit.
Product: Credit reporting or other personal consumer reports

I did not authorize nor did i benefit from this account. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXXXXXX XXXX XXXXXXXX www.chexsystems.com XXXX XXXXXXXX I am writing to request an investigation of the following information reported to my Chexsystems consumer report. I have never opened or used the accounts with the following account numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I got a home mortgage with XXXXXXXX XXXX XXXX originally I went with their mortgage insurance at about XXXX after a few weeks I got a better deal from my auto insurance in bundling everything it was about XXXX a month requested XXXXXXXX XXXX XXXX to fix my new mortgage payment was XXXX a month and I was told it would be around XXXX a month before they lowered my mortgage payments they sold my mortgage loan to freedom mortgage company now they refuse to lower my mortgage payments and they are making up some XXXX story that it is the same XXXX a month I want to file a complaint against them for mishandling of my mortgage loan
Product: Student loan

I requested a federal student loan refund from Aidvantage, my federal student loan service account, on XX/XX/2022. I was told over the phone when I requested the refund the entire process would take 4 to 6 weeks, with 6 weeks being the maximum amount of time it would take to see the refunded money deposited into my bank 's checking account. I requested the refund to get money back from payments I made during the COVID-19 pandemic, during President Biden 's pause on student loan payments. It is know XX/XX/XXXX, more than 2 months ( XXXX weeks ) from the date I requested the refund. I have called Aidvantage customer service multiple times, and I keep getting different information. They tell me the wait time is now 10-12 weeks. Another representative told me it's out of their hands and there's nothing they can do for me. A third representative told me my request has been processed, but it's up to the treasury department now. I told them I was initially told 4-6 weeks of processing time when I first made the request, but they said that's changed now and could not help me. The refund I requested is just over {$5000.00}. This money should be back in my bank account by now and it's extremely frustrating this process is still ongoing.
Product: Credit reporting or other personal consumer reports

I received a phone call from XXXX XXXX this afternoon. She stated that she was from the Executive Offices of XXXX XXXX. Although it sounded like a telemarketing nightmare, I spoke to her on a recorded line. After careful consideration I am going to contact my Attorney in this matter to submit a Letter of Representation and move forward with legal action.

The total amount of fees that have been fraudulently charged to my account is {$81.00}. I have attached a copy of my personal banking information to reflect that my XXXX Checking account was never charged or attempted to be charged during the time I was actively enrolled in XXXX XXXX " Auto Pay ''. 
I also will be addressing that what is reported on my Credit Report is incorrect and that when I asked XXXX XXXX to not contact me every day, they then out of retaliation reported on my Credit File the incorrect information of payment late the very same week. I have also attached a screenshot of my XXXX XXXX XXXX XXXX as of today which states in LARGE RED LETTERS " Prevent a 30-day delinquency report to the credit bureaus PAY {$160.00} by XX/XX/XXXX '' TODAY IS XX/XX/XXXX... 
which is false advertising as XXXX XXXX has already reported delinquency and incorrect information to my credit files ( total of XXXX ). 

If XXXX XXXX would admit their part in this matter and correct the {$81.00}, I would be glad to pay the {$78.00} today and then they can correct the fraudulent reporting to my credit file. I was laid off of my job for several months and still managed to keep my car payment made. I am in the middle of purchasing a house and because of their illegal practices this is being taken away from me. 

In XX/XX/XXXX I wrote a letter to address these issues ( see attached ) and received no response. I did however get harassing phone calls every day about making another payment even when I had clearly just made a payment. I have also asked that if XXXX XXXX receives any funds over the regular payment amount it needs to go towards my principal, and this went on to be ignored as well. I made a payment of {$600.00}, and it ALL went towards interest. This is not fair, nor legal to do to a consumer.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of all authorization. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.