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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;
Product: Debt collection

Education loan opened without me being present to open it on campus with financial aid office. Previous attempts of retaliation by XXXX through collection agency we're removed by CFPB ( should have record ). XXXX has not responded to validation request to restart original payment plan from XX/XX/XXXX at present income allowance via income based repayment. 

I received notification about seven days ago that my credit had changed and had not noticed it until today the XX/XX/XXXX. This is an additional attempt by XXXX to extort funds in retaliation for a Title IX investigation that was opened by me due to behavior of people that were living in our dorms. I was asked to leave campus and have not been back to open any education loans nor have my attempts to follow through with those efforts been responded to by those who initiated the order from me to not to resolve matters, in person, on campus. 

Reliant Capital Solution is requested XXXX which I believe XXXX was looking for XXXX originally and they have no responded to my certified letter. 

To my knowledge I have not taken out any new education loans with Reliant Capital Solution nor XXXX in XXXX. The only debt I had with them was in XXXX Cashier 's office from XX/XX/XXXX and it was on an on/off payment plan due to me being homeless at the retaliation of the school.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXX XXXX XXXX  - date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXXXXXX XXXX- date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX- date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXXXXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b 15. [ XXXX XXXXXXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b
Product: Debt collection

The account in question is invalid, as the company is not legally permitted to report this debt. They have failed to provide adequate proof of the debt, including essential personal information required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to communicate with them and request the necessary documentation to substantiate this claim, they have not responded or provided any verification. 

As per the FCRA, they are required to provide verifiable information to validate this debt. Given their inability to meet these requirements, I am requesting that this collection account be removed from all of my credit reports immediately. 

Please be advised that I am exercising my rights under the FCRA and demand the removal of this inaccurate information. If this matter is not resolved promptly, I will be forced to take legal action against both the collection company and the CFPB for failing to ensure my rights are protected. 

I appreciate your attention to this matter and expect a swift resolution.
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was exposed in a data breach involving Equifax, as reflected in my FTC report. This breach poses significant risks to my privacy and financial security. In light of this, I urgently request the immediate deletion of all compromised accounts associated with this breach. Safeguarding my personal information is paramount, and I trust that prompt action will be taken to mitigate any potential harm. Your cooperation in ensuring the removal of these accounts is crucial for my peace of mind and protection against further unauthorized access. I appreciate your attention to this matter and your commitment to resolving it promptly.
Product: Mortgage

My mortgage is through Lakeview Loan Servicing, but they had me sign up to use XXXX through XXXXXXXX XXXX to manage my mortgage payments and anything related to my mortgage. Everything has been going good except I started to get a lot of mailings at home from Lakeview about a service called XXXX that I'm not interested in. The other day I went in to make my payment at XXXX and right after I put in my username and password I get redirected to another site called XXXX where they want me to create another username and password and agree to their terms of service. After reading these terms, I realized that this product is largely marketing and I did not agree to many of their terms of service regarding privacy so I did not create a log-in. But the issue I have now is that they are forcing me to that sign evertime I try to make a payment. I've called both XXXX and Lakeview. Both said they can not help me that I have to use this service. I don't think that is fair. I don't agree with their terms, I don't need it to manage my account, I don't know who set this up or what it is about, and with the amount of data breaches happening, I don't see why they want me to create a separate account that doesn't even allow me to make a payment or manage my account. If you click the make a payment, it takes you back to the XXXX log-in page. It feels like a scam, I should be able to opt. out or should have answers on why I need this service. No one at either financial institutions can help me, provide information on this service, or give me a phone number to call to get rid of it. Frustrating.
Product: Bank account or service

On XX/XX/XXXX My Chase Bank account was mistakenly charged {$2100.00} dollars by XXXX. They admitted the mistake without problem and tried to help me recover my money. This transaction sent my bank account into immediate overdraft. 
Until the {$2100.00} falls off my account as 'pending ' I am in overdraft status. I was informed by Chase that this will take 3-5 business days, and a {$35.00} dollar overdraft charge for everyday my account is in over draft ( see photo ). What am I supposed to do for 3-5 days? I HAVE NO MONEY!!! 
The merchant talked to Chase. They have called and explained this to Chase that it was a mistake. 
I went to a Chase branch and talked personally to a personal banker. Chase will not escalate the drop off period for the charge because I did not meet one of the two criteria. Although I have been a good customer since XX/XX/XXXX ( according to Chase ) I only keep an average year to date amount of {$800.00}, even though the company I work for - XXXX- Direct Deposits 3 times that amount into my account twice a month. Because I do n't enough money in Chase bank daily they can hold on to my money longer??? 
I am filing a complaint with Better Business Bureau of XXXX and XXXX Illinois and Consumer Financial Protection Bureau against Chase. I have no money until this clears up for 5 days. They are a horrible bank. I will be moving forwarding to taking the necessary steps to close my account and I will inform the Executives at XXXX XXXX about my experience with Chase and how they treat their customers.
Product: Checking or savings account

Employer issued paper payroll check in lieu of normal direct deposit due to a payroll processing issue. Deposited the check ( XXXX ) to my account via mobile banking app XX/XX/XXXX. Mobile banking app states during the deposit process that " Deposits made on a business day before XXXX will be processed and usually will be available to cover items ... that same day. Funds availability may be delayed ... to mitigate risk of error or fraud. '' The app does not state or show that there would be any hold attached to the check during the deposit process. Moblie deposit was successful, and a hold appeared after customer service business hours on XX/XX/XXXX, and the hold is through XX/XX/XXXX. 

On XX/XX/XXXX, it appeared that my electronic payments ( credit card, utilities, etc ) had cleared and the hold on my check deposit as " pending. '' As of XX/XX/XXXX, the hold caused a reversal of all of my electronic payments creating returned item fees for me to deal with from several different payments. Calling customer support, representative and supervisor said " there's nothing we can do, and there's nobody we can connect you with that can remove it. '' and essentially said my best course of action is to wait until the hold is cleared, They stated that if I called or visited my local branch manager, they could possibly 'do something. ' The problem here is that I work and live in California, and am unable to visit the branch where I opened my account in Alabama, and the nearest branch is Texas. 

Had I been informed immediately that the check would be held for more than a week, I would have gone to the bank that the payroll check was written from and cash it directly. 

I've had this account for more than 10 years and never deposited a bad check.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Now all they did was send me a copy of what I sent them and a letter for me to give my personal information nothing else. With that being said my dispute letter was direct, concise and to the point with account number and reasoning. They are stalling and not following law of the Fair credit reporting act and can be found in violation in fact. You had 30 to 45 days and you sending me a copy of what I sent you is not going to cut it. You have nothing to prove this account is mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized or unnecessary credit card inquiries from my credit report. Below, I have outlined the details of the inquiries in question : 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 XXXX  ; Inquiry Date : XX/XX/XXXX 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. JPMCB  CARD  ; Inquiry Date : XX/XX/XXXX XXXX. JPMCB CARD 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 XXXX. XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX ; Inquiry Date : XX/XX/XXXX I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my Experian, XXXX, and XXXX credit report on XX/XX/2024, and still noticed Experian, XXXX, and XXXX and is reporting incorrect/ inaccurate personal information. I sent letter regarding the inaccurate information. I contacted the companies to update my personal information. I am telling them to update or delete the incorrect personal information. Experian, XXXX, and XXXX have failed to delete the items from my credit which cause XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. CODE 1681 e ( b ), 15USC 1681S-2 ( A ) & ( B ), and 15 USC 1681 1i ( 5 ) ( a ) ( i ) & ( ii ) these accounts are in violation of not reporting 100 % accurate. Here are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete immediately I demand that the above accounts be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; 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. 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : 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 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

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

Under the FCRA I, XXXX XXXX request that XXXX immediately notify XXXX, Experian, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Credit reporting or other personal consumer reports

The following inquiries are not recognized nor authorized to be reported on my credit report. Also, there is no attached account to these inquiries reported on my credit report. My credit report is on a freeze for unauthorized inquiries and the inquiries were not removed. Please remove them as soon as possible. The inquiries are not/were not inquired by me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

A purchase was made at the XXXXXXXX XXXX  store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from XXXX 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. XXXX 's made no attempt to contact me about the account balance. XXXX 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue XXXX 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with XXXX XXXX.
Product: Student loan

I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.
Product: Credit reporting or other personal consumer reports

Company is not following the new rule that prohibits consumer reporting agencies from including medical debt on credit reports. 

Also, company charged me additional amounts for service without consulting me about is first. I was told I would have to pay one amount for all services which lead me to scheduling the services sooner then I would have fine if I knew the correct amount to be paid. Sent a bill after leaving the facility and never mentioned before hand that additional charges will be charged. I only saw and signed one amount through the whole process.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX CONGRESS COLLECTION is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX, and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. CONGRESS COLLECTION has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 

In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
CONGRESS COLLECTION has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. CONGRESS COLLECTION has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. CONGRESS COLLECTION fails to respond to my verification letter by certified mail.