23daVinci/CFPB_Complaints huggingface dataset:
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 ( Inquiry date XX/XX/XXXX ) has violated my rights XXXX  XXXX XXXX  ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX  ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Product: Mortgage

Good Morning, The name of the Company is Real Time Resolutions , Inc . This was for a second mortgage. We were trapped in a Subprime mortgage. We had done a modification in XXXX. Since that date we had not heard from the above company until now. We thought they were included in our modification, never questioned it since we had not heard anything from them until now. They first sent a lawyer after us and once lawyer sent XXXX letters we received a statement from the company. I have been horrified and checked the XXXX XXXX XXXX  and saw several complaints there. My son found this information and sent it to me. They have added thousands and thousands of dollars of interest to this also. They said they are going to start foreclosure on us unless we pay or can apply for a modification for the mortgage which currently with interest it is 3 times the amount of the original which was XXXX XXXX I believe. XXXX XXXX is XXXX of the most recent from the lawyer. I had sent them my modification to show them. They still responded with threats of foreclosure. In XXXX during this whole process which was stressful enough we lost our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So needless to say that year was the worst ever. And alot of it is a blur. But we were taken back and thought it was a scam but the letters kept coming. I don't understand at all. If they were not part of the modification why did they wait XXXX years to say or do anything? 
I am just at a loss and could become homeless. I have been trying to put it off and I have read my modification and I really can't tell one way or another. 

thank you so much in advance for any guidance you may have to offer Sincerely, XXXX XXXX
Product: Checking or savings account

My father passed away XX/XX/year>25 at XXXX  XXXX in XXXX XXXX. He was a customer of Bank of American for many years, likely close to 20 years. I am listed a beneficiary and was aware of this, as was my mother. I visited the Bank of America ( BOA ) branch closest to me on XX/XX/year>25 to provide a death certificate in hopes of receiving his funds ( approximately {$10000.00} ) so that I could continue to pay his bills while I waited from the estate process to begin. I was told that I needed to complete the " Letter of Instruction and Account Closure Request '' which I was provided the same day. The account was closed the same day and all access to funds was stopped. I, as well as my mother, completed the required forms XX/XX/year>25  and they were faxed and received XX/XX/year>25 per Bank of America XXXX XXXX XXXX, XXXX. I requested an update on the status of disbursement of funds XX/XX/year>25 at XXXX. I was told during that phone call that all documents had been received and were " pending review '' and that Bank of America requested " up to five business days '' to review the documents. I was instructed to call back Thursday XX/XX/year>25 to get an update on the status which I did. On Thursday XX/XX/year>25 I spoke with Bank of America Estate Unit representative, XXXX, who told me the documents were still being reviewed and she advised me to call the following day XX/XX/scrub>/25. She also told me that I could request " an escalation '' into having the accounts reviewed and the money dispersed at that time. I called today, XX/XX/year>25 and spoke with Bank of America Estate Unit Representative, XXXX, who stated that the documents had been reviewed and that funds would be dispersed. She also advised that this process could take up to FIFTEEN business days - 5 business days to formally request the checks and 10 business days to have them mailed. I asked if this could be expedited as my father 's bills are coming due and I would like to avoid late fees associated with being paid late. XXXX stated that she would inquire about this. She then stated that " XXXX '' was reviewing this request to see if this could be done and that I would need to call back later today to see if that would be granted or not. 
Bank of America are acting as if these funds belong to them. My father did what was right in naming beneficiaries assuming that money would go to the people he designated. This money is not being used to have a party or go on vacation... it is being used to pay bills, keep up mortgage paid up until the home can be sold, and to keep the utilities on. Bank of America should operate as every other bank does and with the proper documentation ( i.e. a death certificate and proper identification ) and disperse the funds accordingly. Please help in this matter if you can.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

To Whom It May Concern : I have repeatedly asked XXXX XXXX CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, XXXX XXXX CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by NATIONAL CREDIT ADJUST collection agency substantiating their claims ( account # XXXX amount {$990.00}. Furthermore, I have requested XXXX XXXX CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This letter is in response to XXXX XXXX CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that NATIONAL CREDIT ADJUST, collection agency, has verified that the ( account # XXXX ( XXXX XXXX amount {$990.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. 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. Any automated response or XXXX verification is unacceptable. I am requesting a re investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 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 you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with XXXX XXXX CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your non-willfulness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report as I am a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked to prevent misuse of my personal information. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2018 Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Debt collection

In XXXX I contacted LVNV Funding, LLC in regard to info that they had sent to me in response to my request for validation for the XXXX XXXX credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital XXXX XXXX XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$18000.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX A PART OF XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately two years my credit score has been tampered with false score reported by the three bureaus. Score drops as high as 18 points were attributed to auto loan paid on time. I have not been late with any car note payments in 17months. There are two fraudulent claims on my credit, which I have disputed several times individually with the bureaus. In addition I've reached out to the company who placed the claim on my credit, they refused to discuss the details of the charges, they refused to provide a solution. Nothing ever came of the disputes and the same two fraudulent claims were placed on my credit every few months and listed as new debt, causing my score to plummet even more. my current score is not reflective of my credit history. Speaking with the bureaus have yielded no solution and my credit score remains under attack. on one occasion a incorrect account was placed on my credit causing it to decrease by 59 points but when it was resolved my score remained effected negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit Reporting act XX/XX/XXXX BANK/XX/XX/XXXX, account # XXXX, 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 a account without my written instructions 2. In accordance with the Fair Credit Reporting act BANK XXXX XXXX, account # XXXX, 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I created a XXXX ( US {$14000.00} equivalent ) international transfer from my brokerage account in Schwab to the XXXX XXXX account for my tuition payment and living expenses. On XX/XX/XXXX, the beneficiary of this transfer has still not yet received the money. And therefore, I asked Schwab to put a SWIFT trace on my wire transfer, however, up to now, already three weeks I still didn't have any update, and my money is still disappeared. It is not usual for a wire transfer to take so long processing time.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute concerning unauthorized and inaccurate inquiries on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I kindly request immediate action to remove these inquiries from my credit report. 

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

I filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX  for XXXX and XXXX XXXX for XXXX. Both items are appearing on my XXXX and Equifax reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  which has yet to removed as well
Product: Checking or savings account

Cash app has taken money from others stating there was a system glitch and money from a transaction was credited back in error and to reference my statement. Well when the statement dropped there was no credit. They essentially stole {$100.00} from me with no proof to support it. 

Date money taken : XX/XX/23 For a transaction they say dated XX/XX/23 {$75.00} {$24.00} XXXX Statement attached showing no credit back of those amounts
Product: Debt collection

ACCORDING TO FCRA SECTION 605B, ITS ILLEGAL TO REPORT ANYTHING WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. IVE ATTEMPTED THROUGH PHONE CALLS TO XXXX  TO DISPUTE THIS ITEM AND KEEP GETTING PASSED ALONG OPERATORS AND GIVEN NUMBERS TO CALL THAT ARE NOT IN SERVICE.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am entitled to take these actions to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$890.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$770.00} Additionally, I would like to address the inquiry associated with my credit report : XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2019, I received a l collection notice from XXXX XXXX XXXX XXXX,  and I call and and spoke with a rep. and I told her that two other collection agency failed to provide Debt Validation of the {$850.00} that is required. I also told XXXX XXXX XXXX XXXX, rep that during the same time I was requesting Debt Validation from the two collection agency at same time one was sending noticed in an email and other by us mail which was harassing and confusing both collection agency was referencing over the phone that they was collecting on behalf of XXXX XXXX XXXX. The debt {$850.00} that is alleged that I owed to XXXX XXXX XXXX and as of today I dispute the debt of {$850.00} because of unfair trade practices and collection practices used by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, refused and delay and to accept my request to file a dispute against the merchant and XXXX XXXX XXXX provided false information and miss leading information as of the dispute status and the current amount owed at that time in letter to me. I asked that the Consumer Financial Protection look in this matter because XXXX XXXX XXXX is using several different names at same time to collect on {$850.00}, today I called XXXX XXXX XXXX XXXX-XXXX-XXXX who told me over the phone that I owed the debt to XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. These inquiries appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which governs permissible purposes for accessing a consumer 's credit report. 

Upon reviewing my credit report, I have identified the following inquiries that I do not recognize and for which I did not provide consent : [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX  [ XX/XX/year> ] [ XXXX  XXXX XXXX ] [ XXXX ] According to the FCRA , a consumer reporting agency may only furnish a consumer report under specific circumstances, such as with the consumer 's authorization or in connection with a credit transaction initiated by the consumer. Since I have not initiated any such transactions with the companies listed above, nor did I authorize these inquiries, I am requesting their immediate removal from my credit report. 

Please conduct a thorough investigation into this matter and provide me with the following : Evidence that I authorized each of the hard inquiries listed above. 
A written statement detailing the nature of each inquiry and its permissible purpose under the FCRA. 
If you can not provide this information within 30 days as required by law, I expect these inquiries to be promptly removed from my credit report. 

Please consider this letter a formal complaint under Section 611 of the FCRA, which obligates credit reporting agencies to investigate disputes and correct any inaccuracies. Additionally, failure to comply with these legal requirements may result in further action to enforce my rights under the FCRA. 

I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe.