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

Please investigate these fraudulent accounts and provide information about your results. Delete immediately
Product: Mortgage

On XX/XX/2020 a loan officer from my current mortgage called me regarding an opportunity to refinance my mortgage. I told him I was not interested. The next day, he pulled a hard inquiry of my credit report without my authorization. He had my information as he was affiliated with my current mortgage lender. Ive attempted to contact him several times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries that have already reached their retention time and Experian refuses to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent notice to equity prime mortgage, XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX that i was OPTING OUT of any credit reporting, and any implied permission was revoked, i also put the credit agencies on notice as well on XX/XX/year> both failed to comply and allowed reporting without my written permission The following references in the FCRA and related laws support my request : XXXX. **FCRA Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) : ** This section explicitly allows consumers to opt-out of the inclusion of their information in credit reports. 
XXXX. **FCRA Section XXXX ( XXXX ) ( XXXX ) : ** This section mandates the reporting of accurate and complete information, and I assert my right to control the accuracy of information related to my credit history. 


I request that you promptly update your records to reflect my opt-out status and cease any further reporting of my personal information to credit bureaus within XXXX of receipt of this notice. I also seek written confirmation of this action, specifying the date by which the cessation of reporting will be completed. Failure to comply will subject you to penalties in accordance with : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this code outlines the damages the consumer is entitled to in regards XXXX XXXX for XXXX XXXX by the data furnisher. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this code outlines the penalties and definition of the XXXX XXXX for XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  this code outlines my right to Enforcement if you fail to follow the instructions and the law.
Product: Credit card or prepaid card

On XX/XX/21 an online transaction was made at XXXX for {$290.00}. On XX/XX/21 another online transaction was made at XXXX for {$290.00}. On XX/XX/21 a third online transaction was made at XXXX for {$290.00}. On XX/XX/21 a fourth online transaction was made at Nordstroms for {$320.00}. The first three transactions hit my account on XX/XX/21. The fourth hit my account on XX/XX/21. 
On XX/XX/21, I received a text alert notifying me of the transactions and I immediately contacted Bank of America to dispute the charges. ( XXXX ) The credit card was canceled and a new card was issued. Initially, the charges were reversed and I was told the claim would be investigated. 
On XX/XX/21, I returned from a trip and went online to check my balance. I noticed that on XX/XX/21, the fraudulent charges had been put back on the card. I immediately contacted Bank of America and was told they would reopen the investigation. 
On XX/XX/21, I received a letter dated XX/XX/21 telling me that they could not approve my fraud claim. The reason provided : " The merchant provided documentation confirming you received the merchandise or service. '' At XXXX on XX/XX/21, I called the number provided on the letter ( XXXX ) and had a XXXX XXXX conversation with a representative. He provided the following information : ( 1 ) The purchases were all watches. ( 2 ) They were sent to a XXXX XXXX in XXXX, NY. ( 3 ) The items were received on XX/XX/21. ( 4 ) The email address given for the online purchases was a hotmail address that I won't include in the complaint and is CLOSE to my husbands, but not XXXX he has used. 
( 5 ) The fraud claim # is XXXX XXXX On XX/XX/21, I received a letter dated XX/XX/21 advising me that " we completed a re-evaluation of your credit card dispute for {$1200.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' My husband and I are the ONLY authorized users of the card. We did NOT give anyone permission to use the card. We have NOT purchased anything at XXXX online or in person, for many years. We do NOT know anyone named XXXX XXXX. We do NOT know anyone living in XXXX, NY, and have never even visited the town. 
It seems clear to me that Bank of America is unwilling to do a proper investigation of the claim and I see no point in contacting them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education has XXXX XXXX significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that XXXX % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX N/A, has violated my rights XXXX 

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 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 then records of convictions of crimes which antedates the report by more then 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

When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item/accounts/information below : I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle is finance d with Ally Financial. I received a call from Ally Financial   XXXX   XXXX ,    2017  stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally  every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account Thank You
Product: Credit card

I closed my today credit card on XX/XX/year>. My payment is due the XXXX of each month. However, on Friday XX/XX/year>, I paid off the statement balance of {$1900.00}. Yesterday XX/XX/year>, I tried to log on to confirm the payment was processed but I received a message stating my account was invalid. I called customer service and I was told once my account had a {$0.00} balance I no longer have access to the account. I told the customer service representative that the billing cycle has not completed, so I still should have access at least XXXX more billing cycle to confirm the payment was processed, all interest paid, and to view the last statement. She told me that was not true. I asked to speak to a manager and was transferred to a line that no one answered. I called back a second time and I spoke with technical support. I was told only my account was undergoing maintanance and should be back up in an hour. More than 24 hours has passed, I still do not have and technical support and customer service are not assisting and unable explain why I can not access my account. I am submitting this complaint because I only receive electronic statements and without account access, I will not be able to view statements or make a payment if additional interest is due.
Product: Student loan

I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.
Product: Debt collection

I owe money and I asked if we can do a payment plan and they said no they wanted XXXX or XXXX by the next day no questions ask. I explained I have a budget and I cant afford that amount. I told them I ll do what I am offering a payment plan of XXXX a month they said no. I specified to them I work from XXXX to XXXX XXXX I am XXXX XXXX XXXX and cant have calls at work and they said the calls will continue. On top of that they yell and speak to me demanding and bullying me. The name of the collection agency is Receivables performance
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX central I was at a place of business and attempted to use my newly received Chase Sapphire XXXX credit card. I had activated and used the card on XX/XX/XXXX ; 6 total transactions were successfully made within the XXXX XXXX XXXXXXXX area with a cumulative total under $ XXXX compared to my credit limit of $ XXXX. 

When at a place of business I attempted to use my card for a purchase of about {$500.00} and was declined. The issue caused embarrassment with no path to resolution. The card was my only means to pay. I called the Chase XXXX XXXX and was auto routed to a security team that was not available and the call disconnected without my consent. I called back and spoke to a person who transferred me to the same security team that again disconnected my call. On the third call I spoke to a XXXX who advised the security team was not available and there was nothing further he could do ; I would have to call back on XX/XX/XXXX and not be able to complete my transaction with the merchant awaiting payment. 

I had received no text or email warning me my next purchase would be declined. In asking the next day if this was an option I was told it was not ( Chase can send out reactive notices when you are declined, but no proactive warning of when they will next block an authorization ).
Product: Debt collection

I do not have an account with I.C. SYSTEM, INC, and they continue to report on my credit negatively. I did not agree for them to take over any debt. on XX/XX/23 they started reported a debt negatively on my credit and is affecting it greatly
Product: Debt collection

I get around 4 calls from these people each day. The person on the other end is surly and abusive.
Product: Credit reporting or other personal consumer reports

The inquiries from your company on my credit report were not authorized by me, and theyve been causing harm to my financial situation.
Product: Credit reporting or other personal consumer reports

I am a victim of the equifax breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an erroneous collection account reported by XXXX in the amount of {$1200.00} on my credit report. This account is not mine, and I believe it to be associated with my ex-spouse. I have not been with XXXX since XXXX and am currently a customer of XXXX. Therefore, I am not responsible for this bill. Details of the Disputed Account : Creditor : XXXX Amount : {$1200.00} The presence of this inaccurate information on my credit report is unjust and has negatively affected my credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information on my credit report and expect the information to be corrected or removed if found to be inaccurate. I kindly request the Consumer Financial Protection Bureau to investigate this matter and have this erroneous account removed from my credit report. I have attached copies of the following documents to support my claim : Proof of my identity ( Drivers License, Social Security Card ) Current XXXX bill I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with an update on the status of your investigation. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXX Bank {$0.00} XXXX Remove XXXX XXXX {$0.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXXXXXX XXXX XXXXXXXX XXXX Remove Inquiry XXXX XXXXXXXX Remove Inquiry
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Today, XX/XX/2019, Synchrony Bank called me 25 times in less than 10 minutes from phone number XXXX. The calls took place from XXXX XXXX CDT to XXXX XXXX CDT. I answered on the last call, and then they hung up. They have not called back since. They also called 3 other times today from two other numbers, making it a total of 28 times since XXXX this morning. I do intend on taking care of my payments owed, but this is harassment.
Product: Credit reporting or other personal consumer reports

I reach out to XXXX XXXX  to freeze credit report then I reached out to courts where I was told that they do not report to credit bureaus so I reach out to them to remove it they are stating they are saying the creditors verify the account XXXX and XXXX