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

Upon reviewing the report Advanced Resolution Services , Inc ( ARS ) hold under my social security & name. I saw that there was some incorrect negative information being reported on said report/ file. The items reported by US BANKRUPTCY COURTXXXX on XX/XX/XXXX, XX/XX/XXXX & again in XX/XX/XXXX. 

I then challenged the accuracy, compliance and reportability of these listings. 

I asked ARS in a dispute letter writing on XXXX & mailed on XXXX using certified USPS Mail. The letter was recieved XXXX where I asked for them to please validate this information with US BANKRUPTCY COURT-XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number. 

They then replied to me stating that US BANKRUPTCY COURTXXXX via XXXX XXXX XXXX with XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. 

I then wrote them a follow up dispute letter writing on XXXX & mailed on XXXX using certified USPS Mail. The letter was recieved XXXX. The letter is stating that they should be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Plus additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

I have yet to hear back from ARS & it has been over 15 days of the completion of their re-investigation as well. 

In the follow up letter I also stated to them that they should be aware that I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 
Also I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against their company, seeking {$1000.00} per violation for : 1. ) Defamation 2.
) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX ( PREVIOUSLY DISPUTED ) ACCOUNT NAME : XXXX XXXX, XXXX ACCOUNT # XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT MULTIPLE TIMES 1.YOUR PROOF OF PROCEDURE OF INVESTIGATION WAS NEVER PRESENTED 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2.MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME THAT WAS NEVER PERMITTED BY ME 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies i have provided all information needed for this company to do a proper investigation .the company has failed to do proper investigation and it has been more than 30 days i have attached my IDENTITY THEFT REPORT as well also company stated in CFPB respond that the debt was sold to another company!

this is all false n misleading representation! USC 1692e BY FAIR CARES ACT LAW THE CREDIT BUREAUS XXXX EQUIFAX AND XXXX ARE I VIOLATION OF THE LAW ALSO XXXX XXXX, XXXX ARE IN VIOLATION OF FAIR CARES ACT LAW DELETE THIS FRAUD ACCOUNT NOW. THANK YOU 15 U.S. Code 1681c2 - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, pocedure, and certification for payments 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

15 USC 1681 E ( B ) & 15 U.S. Code 1681c THIS ACCOUNT MUST BE DELETE ASAP
Product: Debt collection

Phone ID states : Financial Customer Call. Its XXXX XXXX XXXX debt XXXX pretending to be from XXXX XXXX. They even set up a website to complain about harassing calls from XXXX XXXX  so the consumer submits all their personal information to them so they can collect money from you
Product: Money transfer, virtual currency, or money service

A check for over {$11000.00} was stolen and mobile deposited into the account of a BECU member. The check was not written to the woman, nor was it endorsed to her, nor did she have permission to deposit it. I was made aware and immediately contacted BECU to inform them. I was told over the phone that BECU policy does not allow 3rd party checks and that the check would be kicked back. The bank allowed the woman to keep the check anyways despite the fact that it was stolen and against its policy. BECU is also refusing to further investigate the issue and I am out the XXXX. 

I have filed a poilice report, and signed an affidavit of forgery. One of the managers I spoke with at BECU stated I should sue BECU also for its wrong doing and failure to follow its policy and procedures in place to avoid these types of situations.
Product: Credit card

Chase bank recently sent me a new credit card as the one ive currently been using for years was reaching its expiration date displayed on the front of the card. 

Credit card Chase Freedom Unlimited Ending in XXXX The new one they sent does not process any new charges & the account currently reflects as closed. Furthermore, the new card that arrived in the mail is valid until XX/XX/XXXX which is just a few months after the previous card expires. 

Ive tried reaching out to them about the issue but have not received a response on the matter. 

Ive been a card member since XXXX and have never missed a payment. This is causing major delays and is discriminatory practices.
Product: Debt collection

I am unaware of this debt. I was just recently notified from my XXXX credit report. Prior to I had no knowledge of owing a debt from this company. I did not receive debt verification, no phone calls or any letters. I would like to have this debt removed from my account as it is hurting my credit score and I think it may be an error.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit health.
Product: Mortgage

Flagstar Bank on a recorded line told me that If i asked for a loan modification ( which I did ) that my interest rate would lower and my delinquent amount coming off of forbearance would be rolled into a 40 year loan. This would make the mortgage more affordable than when I got it. I applied for a loan modification and was denied for every single option. 

I asked the company in my ONE TIME appeal to just roll the delinquent amount into a 40 year loan with my current interest rate as it was already approved by both the HUD and the investor. I am still awaiting the outcome of this appeal. I make more now than when I originally got the loan, and can make the regular payments however the loan servicer refuses to ensure that I can stay in the home with the current payments, much less with a reduced payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX / XXXX XXXX XXXX Made a hard inquiry that brought my score down -4 pts im trying to build my credit here! .I dont understand why theres this hard inquiry And i have not applied for no kind of credit. 
I did not Authorize to make this. 

XX/XX/XXXX/Capital One Made a hard inquiry without consent of mines Ive tried disputing this multiple times already and still nothing.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old.  This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX is such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA, XXXX XXXX XXXX , XXXX, AZ XXXX ( XXXX ) XXXX was my employer. This was reported to manager and XXXX XXXX the legal counsel at USAA. 

My credit bureau report has been shared with XXXX plus employees. This began on or around XX/XX/2018. A supervisor shared my CBR with co-workers, XXXX XXXX and others. This was an infringement on my right to privacy. 

Some of the witnesses are : XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, x XXXX, XXXX & XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, and many other that work at USAA. The attorney general has the witness information and is reluctant to file the charges against USAA. Please stand up for me and my privacy rights. Thank you. 

It also appears that this same company has now reported my history on another person 's cbr, namely, XXXX XXXX. She has sent letters to the CBR agencies to take my information off of her CBRs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2018, someone used my personal information and opened up two accounts with Regions Bank, one checking account and one credit card. I resolved this with Regions Bank at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called XXXX XXXX saying I owe them for an unpaid debt from Regions. I have tried to resolve this with the collections agency by letting them know this was already taken care of with Regions, but they said I need to deal with Regions to get the account closed. When I called Regions Bank, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.
Product: Student loan

On approximately XX/XX/XXXX I submitted a request for in-school deferment to XXXX, my Federal loan servicer from when I completed a XXXX post-bac program. I provided a signed attestation from my school 's registrar to indicate that I am back in school now for an MD at a different institution. I submitted a similar request to XXXX XXXX, who acted on my private loans immediately and placed them into long term deferment for the duration of my time in medical school. Today, upon logging into my XXXX account, I noticed that my loan is only temporarily in deferment until XX/XX/XXXX and a direct debit is scheduled for XX/XX/XXXX. I had additional loans disbursed which are all in " in-school '' status. I called XXXX and asked why the deferment period ends this month when I just started school last week and the representative was unable to provide accurate/definitive information, only that she'd " submit a request '' to have it looked at.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Never used this service. Applied for it and received a card. Charged me {$180.00} and the goods were returned to XXXX and a credit was given me. Although i had card, i already had money on account with XXXX to use to pay for what i bought. XXXX XXXX has called since XX/XX/XXXX for the above amount, not owed and the only bill received, every hour on the hour, every day, including today XX/XX/XXXX. Three months of calls, every hour of every day for 3 months approx for money i paid direct to XXXX. Tried to explain to XXXX XXXX 45 times for a total of approx 40 hours of explanation. It still goes on.
Product: Checking or savings account

I had my ATM card and while I was on vacation in XXXX XXXX some used my card and made several ATM withdrawals and make a lot of purchases in the USA while i was still vacationing in XXXX.
The fraud took place from XX/XX/XXXX thoughXX/XX/XXXX.
ATM withdrawal {$160.00} date XX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal XXXX date XX/XX/XXXX ATM withdrawal XXXX dateXX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal {$330.00} dateXX/XX/XXXX ATM withdrawal {$400.00} date XX/XX/XXXX Purchase XXXX {$44.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$120.00} dateXX/XX/XXXXPurchase-XXXX XXXX XXXX XXXX XXXX {$290.00} store # XXXX dateXX/XX/XXXX Purchase XXXX XXXX XXXX {$300.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$720.00} date XX/XX/XXXX Purchase XXXX {$820.00} XXXX XXXX date XX/XX/XXXX Purchase XXXX XXXX {$850.00} store # XXXX XXXX XXXX date XX/XX/XXXXPurchase XXXX {$1000.00} XXXX XXXX XXXX XXXX dateXX/XX/XXXXPurchase XXXX XXXX {$11.00} date XX/XX/XXXX Purchase XXXX XXXX  {$26.00} dateXX/XX/XXXX Purchase XXXX XXXX {$44.00} store # XXXX XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX {$94.00} date XX/XX/XXXXPurchase {$880.00} XXXX XXXX XXXX XXXX date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.

All accounts are listed below in the attachment box along with my proper documents, In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

Collection report date onXX/XX/XXXX 2017 Original creditor : XXXX XXXX XXXX Amount : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX XXXX Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Checking or savings account

My account with Wells Fargo was frozen for no reason or explanation for a week in XX/XX/2021, then they unfroze after I tore gating ne with questions. I been loyal, great client with them for many, many years. Was not happy about it and was intimidated and harassed. Felt like I never get my money back what was on my checking account balance.
Product: Debt collection

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Product: Student loan

My son and my daughter takes full responsibility to pay there student loan, but yet the collection agency is bullying and harrassing me to paid for these loan. even those i co-sign the parent plus loan.my understaning is that if there are willing to paid, since they are adult and willing to pay.why are they not granted this opportunity to do so. Additionally i am requesting an itemize billon the loan amount for the tuition, how much has been paid and much remaining.since the XXXX XXXX when out of business i could not get a live person to speak with regarding this critical matter. Leaving me very devastated and high stress level. collections agency theathening to garnish my salary. MY XX/XX/2017 tax return was seized my navient loan company. thank you for your assistant regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per TXXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX  add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX  and XXXX.
Product: Debt collection

on XXXX  I sent XXXX.Commercial Acceptance Company and affidavit of truth outlining how their company violated my rights as a FEDERAL PROTECTED CONSUMER. I am revoking my rights under 15 USC 1681i ( a ) I am now requesting their method of verification and Im granting them 15 days to respond to this request if this account was in fact verified as you claim that would mean that they investigate it and it would also mean that this was in fact an investigation of a consumer report if this is an investigative consumer report I am also exercise my right pursuing to 15 USC 1681 ( a ) ( e ) I want to know exactly who you spoke with? and the method you use to speak with them? I also would like the name and employee number of employees who spoke with, and the company who financed this information? Pursuant to 15 USC 1681 ( a ) ( e ) to preserve the judicial economy and save us both time and money in court Im willing to settle this matter for the following demand 1 ) Pay the federal protected consumer rights violation invoice 2 ) zero out the balance on all account 3 ) do not attempt to collect 4 ) Do not furnace any negative activity
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the Fair credit report act ( FPCA ), bankruptcy should not be reported on my credit report, Here is the details below : Chapter 7 Bankruptcy - Case number XXXX