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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I received a letter stating that I was going to be taken to court by an auto loan company when the debt was already settled and I felt as though that was traumatizing they have received their money and the debt was settled
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on my mother 's XXXX XXXX XXXX XXXX ( partial account number XXXX ). My name was removed from this card. I never made any charges on this card. I disputed this with Trans Union and they left it on my file. I contacted XXXX and they said that my name was removed and the credit bureaus must remove the item through the dispute process. 

I disputed this again with Trans Union and they only added : " Relationship Terminated '' in the ECOA field. This is a violation of my federal rights. All credit bureaus have removed authorized user accounts when the AU 's name is removed from the account for the last 30 years. Why am I being discriminated against on this particular account. 

If my " relationship '' has been terminated and I was never contractually liable in the first place, the account should not be on the file. I want this removed from my Trans Union file.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

XXXX XXXX shared information to XXXX XXXX without my authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services.
Product: Student loan

In 2012 I made a payment arrangement with Navient. I pay them {$100.00} every month since XXXX of 2012. This year they took my federal tax return as payment, saying I was delinquent. I was under the impression that when the payment arrangement was made it would bring everything current and I would continue to make my monthly payments. They submitted a request to take {$4200.00} of my tax return, leaving me with nothing. I 'm a single mother of XXXX, pay for everything on my own and I was really depending on my return to catch up on bills, get heating oil for my home and have a cushion for this year. When I contacted them I got a run around, transferred to central credit services instead of them, continually sent to an extension that requires you to leave a voicemail, yet you ca n't leave a voicemail so it hangs up on you. I do n't understand how they can take my refund when I make payments to them monthly.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Repair Act  ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX  ) issued by a recognized XXXX certifying my status as a XXXX survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

On or about XX/XX/2022 D & A Service LLC, of IL sent me a letter requesting & XXXX on behalf of their client XXXX XXXX I, XXXX. I requested information from them on or about XX/XX/2022 but they have not responded at all.
Product: Debt collection

A Letter was sent to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to request document 's showing that this is my account. I have not received documents proving the matter. They have reported to all 3 credit B and I have disputed. By law they have to send the necessary information to me and as of today XX/XX/XXXX I have not receive it.Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 
Name and Address of Alleged Creditor : ______________________________________________________________________ Name on File of Alleged Debtor : ______________________________________________________________________ Alleged Account # : ______________________________________________________________________ Address on File for Alleged Debtor : ______________________________________________________________________ Amount of Alleged Debt : ______________________________________________________________________ Date ( that this alleged debt became payable ) : ______________________________________________________________________ Date of Original Charge or Delinquency : ______________________________________________________________________ Was this

Debt assigned to a Debt Collector or Purchased? ______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission f
or debt collector if collection efforts are successful :
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 15 USC 1681. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

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 : 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 ) ( 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have previously submitted a letter to the TransUnion bureau requesting the removal of certain inquiries and inaccurate address from my credit file. Despite this, the inquiries and inaccurate addressdetailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge TransUnion to promptly remove these inquiries and inaccurate address entirely from my credit report. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In the name of XXXX few people made a huge trap and XXXX XXXX they are looting targeting women 's only. 
i am one of them and i have connected the bank once i got to know about fraud and with in 3 days bank and cyber crime has been reported. 
My bank XXXX and CITI bank not even taken action against fraud and XXXX and XXXX XXXX  have nearly XXXX customer who involved in the fraud/scam. 
from 2 months working with all bank but not even single bank shown reposibility. 
Police e mails has been ignored by all Banks.
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX NJ XXXX entered into a loan modification with Rushmore Loan services.Loan Number XXXX We were never discussed terms and were given a packet to sign and have notarized. We did, We were told that everything would start over in the new loan. 
We made a payment in XXXX of 2020, over what the modification stated. Thru out the trial period we also made extra monthly payments to them. It was not a lot but it added up thru last year. We also had an extra amount left over last year, ( they can not seem to find ). It shows on the statement for the end of the year as well.. 

We now are getting phone calls saying we are two months behind. We also payed in XXXX of 2020 a payment of {$740.00} to cover the escrow shortage, and our payment would be even less an amount of XXXX. 

They took this money and applied it to the loan Can you please help straighten this matter out. 

..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Mariner finance are reporting on XXXX. These accounts are old and need to be removed. Last pay for XXXX XXXX was XX/XX/XXXX and XX/XX/XXXX for Mariner Finance. Time elapsed and should be removed from credit bureau.
Product: Money transfer, virtual currency, or money service

I purchased a {$850.00} money order from PLS on the XXXX of XX/XX/2023 around XXXX. 
When I got home, I couldn't find the money order but I found the receipt and change given to me, I went back immediately because they are close to me. 
I lodged my complaints and I was asked to pay {$15.00} for money order stop payment/refund request form which I did, and they made photo copies the form, my ID, receipts of the money order and refund request form. 
They requested for the money order stub which obviously I could not present because the money order was missing. 
The money order number was on the receipt and they were able to check and verified that the money was not cashed ( which I think was good news. ) PLS still refused to refund me except I produce the stub. 
I begged and appealed to them to temper justice with Mercy but all to no avail. 
That money was for my XXXX rent and well wishers actually contributed the money to me because I have been home for a while due to XXXX XXXX XXXX. 
All these explanations fell on PLS deaf ears. 
I am struggling to make ends meet and to loose {$850.00} at this time is disheartening. Please sirs/Mas, I rely on you for a quick recovery. 
Thank you.
Product: Checking or savings account

I opened a First Citizen 's Bank checking and savings account as a result of a {$300.00} bonus promotion being offered. The terms state to receive the Free Checking bonus of {$300.00} I would need to open an account, make 10 debit transactions within 90 days of account opening, and concurrently open any new savings account. Upon completion of these requirements the terms state that I would receive the {$300.00} bonus within 120 days. I fulfilled all of the requirements however I never received the {$300.00} bonus within the 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX Open date XXXX XXXX Lease Rental Open date XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit reporting or other personal consumer reports

XXXX investigated this charge and found in my favor back in XXXX and now its appearing on other credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 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 the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) XXXX- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX- Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?
Product: Debt collection

XXXX or XX/XX/XXXX I went to a XXXX XXXX store to take inquire about changing my services from XXXX to XXXX XXXX and taking advantage of their promotion that they would pay off the existing phone bill at XXXX. There were 3 young men at the counter trying to help me. While one was trying to verify my information, the other went into the back room and got SIM cards. The third man was getting a code off my current phone to unlock the phone. When the third man discovered he was unable to unlock my phone. He tried to convince me to purchase a new {$1300.00} XXXX which I did not want to do. I called XXXX and they told me I would have to pay off the existing phone balance before they gave me a code to unlock the phone. This was opposite from what XXXX promotion was about. I didn't not have those funds to do it, so I told the 3 men to cancel everything. XXXX  ended up matching the same monthly promotion as XXXX. The man said he would cancel out the account. I walked out of the store. I kept my account with XXXX. Then in the fall of XXXX I get a {$750.00} collection in the mail from a collection agency. I called them and told them what I explained above. They said they would reach back to XXXX. I called XXXX and they told me I had to go into the store and talk to the manager. I went into the store and the manager said he couldn't do anything, and I would have to call XXXX  customer service. I called XXXX XXXX  customer service and they said they would investigate it. 30 days later the collection was removed from my credit report and I heard nothing from XXXX. Then on XX/XX/XXXX I get a collection agency sending me mail that was trying to collect on the same amount. I called them and explained the same thing above. This is IC Systems, and they still have the account. I disputed it with them over the phone and told them I never used the services and this was false information. They said they would investigate it. They placed it onto my credit report and then mailed me a letter saying they verified it and sent a final bill statement from XXXX. That end showed I never used their services. I called the collection agency back and disputed it again, they then tried to offer my a settlement to pay the bill. I told them I didn't use the account and I wasn't going to pay for anything I didn't use. I called XXXX XXXX again and talked to another person who told me it could take up to 2 weeks for them to investigate and she would call me back on XX/XX/XXXX. She never called back. I called XXXX on XX/XX/XXXX and the person I spoke with told me that I would have to call the collection agency. I told her they were not going to do anything, they wouldn't take dispute and they want me to pay it. I told her I called before to XXXX XXXX  and the person was suppose to call me back on XX/XX/XXXX and they never did. I requested to speak with a manager. I was put on hold for 30 minutes waiting for a manager.
Product: Credit card

On XX/XX/XXXX, I ordered foundation from XXXX for a total of {$100.00}. On XX/XX/XXXX my package was marked as delivered to my front door but when I returned home from work, my package was missing. I checked my surrounding and asked my neighbors if they received it. I spoke with kohls customer service in which they requested for me to open a dispute with my credit card since they did not process refunds for third party credit cards. XXXX did offer a replacement but I told them that I would go in my local XXXX to order the foundation since it was needed for a makeup job and the replacements would not be in on time so I would have no use for them. I submitted all of this evidence twice to my credit card company and they are still denying my dispute and wanting me to pay for items I did not receive. I expressed to both companies on how {$100.00} is too much money to spend on a package that I never received!