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

credit report shows a drop in my score due to a unknown outstanding debt from LVNV Funding LLC on XX/XX/XXXX from original creditor is XXXX XXXXXXXX XXXX XXXX for the amount 0f XXXX attempted to contact company but they would not respond
Product: Debt collection

Please see the attached letter which I received XX/XX/2020 claiming that I owe XXXX XXXX/XXXX XXXX a debt of {$240.00}, but they will take {$170.00} to call it square. I am denying this demand for payment ( see attached copy the letter ) I do not now, nor have I ever, had an account with XXXX or  XXXX XXXX. Furthermore, it has been sixteen ( 16 ) years since I have had any type of utility in my name. The XXXX XXXX XXXX has been contacted, the Sheriffs Office as well if necessary and a complaint now filed with you. 

How can they get away with this stuff? I will be sending them a certified letter to demand they cease and desist. If they have been trying to call, I've probably already blocked their numbers. This is so frustrating and so bogus ... big sign of SCAM alert.
Product: Student loan

I 'm a XXXX student at XXXX XXXX. I had previously been a grad student at XXXX XXXX XXXX XXXX XXXX, but I transferred for the XXXX 2015. Then:1. Navient took me off deferment despite being enrolled full-time ( my federal loans continued deferment without issue ; I do not have enough income to pay loans ). 
2. They gave me the option of forbearance for the interim 2 months until they ( hopefully ) have enough evidence that I am enrolled full time in school. They would not explain how this forbearance would affect interest rates or the principal. 
3. I paid {$150.00} over the phone a forbearance fee to put my accounts into forbearance ; the next day I had fraud on my bank account ( not sure if this is related? ). I called them immediately to stop the check # and submitted a new check #. 
4. They repeatedly tried cashing the voided check causing fees on my checking account, and though they successfully cashed the XXXX {$150.00} check, and gave me a forbearance-in-effect confirmation number, have ( despite repeated calls and many submitted forms of evidence from my bank ) put my accounts as past due and say that they did not deduct this money from my account. 
5. The information they have on my account states that I am still gainfully employed at my former position, a job I left over two years ago. My account was deferred due to my time at XXXX XXXX, so clearly it was once updated to reflect my full-time student status ; their record keeping is vastly out of sorts.
Product: Credit reporting or other personal consumer reports

These accounts have not been removed from my name even after required documentation was submitted. FTC REPORT and Identification is attached. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This account has repeatedly been update as charged off every month. as a verify as accurante. 
this company violated my right because this account have to be removed from my credit report immediately I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report. 

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. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report, I observed multiple errors in my account information. These inaccuracies are negatively impacting my creditworthiness. I understand that you will look into these discrepancies to confirm their accuracy. Below are the item I request you to please verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

there was a hard inquiry on my credit report the company name is XXXX XXXX XXXX I did not authorize this company to pull my credit report. this is a product of phishing. This is not me. please remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Chase ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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
Product: Mortgage

Bank of America did not disclose their selling my mortgage to XXXX XXXX. And the forbearance was affected by their undisclosed sale. By making me pay a lump sum at the end of the forbearance instead of at the end of the loan, you guys are all in on this scam designed to capture peoples homes. Despicable! 

The banking crisis which they themselves created Is screwing me out if a refi despite huge equity and great credit. Theyve got me where they want me with your help. 

I cant make the taxes work for income for a traditional loan. 
I have a few emails out to see if there is an interest with a few non-conforming lenders that would be in a position to offer a good rate. I expect to hear back mid-week. 
The great banking melt down of 2008 killed programs that were based on credit and equity. 
Ill let you know if I find something attractive.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be deleted.
Product: Checking or savings account

XX/XX/XXXX Went to US Bank, to get my bank statement on my closed account, also i have other account there, they charged me {$6.00} for each month ( I ask 6 months {$36.00} ), and they ask cash only, they don't let me use other account to pay, i have to take money out, they want cash only, after i payed they just give back my ID, no receipt, i ask them give me a receipt, reluctantly give a receipt, on the receipt transaction type is : miscellaneous fee. 

30 mins late still didnt get email from US Bank, so i call US Bank service ( XXXX ), they send me the statement by email with no charged, i ask the US bank service do i have to pay for the statement, the answer is no. so i go back to US bank, ask them why i have to pay for the statement, was three different worker tell me they always charged for statement, doesnt matter the account is open or closed, doesnt matter print or email, and whatever the us bank service said is not truth, they don't want to return the {$36.00}, why the us bank want cash only? why the receipt transaction type is miscellaneous fee? 

I was closed my account around XX/XX/XXXX, maybe overpay to my credit card or other reason, still have {$240.00} in the closed account, i go to the bank ask for help, they tell me 'they can't help me, i have to call the credit card company. 
U.S. Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Branch : XXXX I just want to know if this bank violated the rules and charged fees that should't be charged, thanks.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX has violated my rights.

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 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

see attached 15 U.S.C. 1681 ( Fair Credit Reporting Act ) regulates credit reporting and ensures consumer rights to dispute inaccurate credit report information.
Product: Checking or savings account

In XX/XX/2020, XXXX XXXX  XXXX XXXX account was hacked for a second time. Their choice was to close my account. I then continued to get emails in XX/XX/2020 saying I owed XXXX XXXX XXXX {$1500.00}. I followed this up with many phone calls to XXXX XXXX XXXX where they advised they would resolve the issue because I did not owe them any money, they closed my account! I suppose there is still an issue because now I can not open any other accounts anywhere else.
Product: Debt collection

I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my trans union and XXXX scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX  and they said they would email me as they are escalating the issue. i have not received any such communication.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This was an original car loan for my daughter obtained in I believe XXXX. I lost job & was not able to keep up payments & returned vehicle to bank. I never received any correspondence regarding the balance car was sold for. I have received documents from my HR department just now XXXX XXXX XXXX  advising the company XXXX XXXX is now going to garnish my check. I had a major XXXX XXXX & current student loan debt that will put me in more delinquent debt if this garnishment is initiated. This garnishment will take several years to pay off. I also would like the original contract & documents showing what car sold for. The amount shown with my HR department and what's on my credit report are two different balances.
Product: Mortgage

I have a mortgage with Mr. Cooper - I received an email from them stating that they have taken out money from my escrow to pay for a flood insurance policy that i never agreed to have. i have had this loan for 2 years and last year and this year i have sent them proof of insurance for flood insurance that my XXXX company pays every year. Mr. cooper has taken out {$1200.00} on XX/XX/XXXX abd {$1900.00} on XX/XX/XXXX every time i call them - you can not get a live person. i also did a search on line and found alot of complaints that the public can not get a hold of a live person. I am requesting a total refund put back in my escrow account for a total of {$3100.00} I am praying that you can help me with this. I have never seen a mortgage company so unreachable.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$3900.00} with XXXX XXXX XXXX do not have a contract with XXXX XXXX XXXXXXXX XXXX they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit card or prepaid card

I paid for an item using XXXX XXXX ( a XXXX company who partners with XXXX ). It is a buy now pay later service. 

I was charged {$42.00} on my Chime credit builder card towards this purchase and the merchant then cancelled and did not fulfill the order. 

XXXX, XXXX XXXX and XXXX refused to refund me. The mechant refused to cancel or refund. 

Chime refused to initiate a dispute. 

Chime was provided with the merchant cancellation and all relevant details but continued to give me robotic non-replies, refusing to initiate a dispute.
Product: Credit reporting, credit repair services, 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. 

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  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.