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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX, consumer and natural person took out a student loan on XX/XX/XXXX in the amount of {$2000.00}. That amount was consolidated in XX/XX/XXXX. The account is reporting negatively to the consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

I've had several unauthorized transactions made from my mobile bank account, that were not myself. I have contacted my bank, ( Ally Banking ), several times. Almost every other day since the transactions have been made. They have yet to help me get any kind of my money back, it all added up to be around {$8000.00}. I've done everything, step by step that they have asked and what was required to do since I noticed my money started going missing. Please help me! 
Thank you!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I am filing a formal complaint against [ Debt Collection Company ] for attempting to collect a debt without proper validation and for violating the Fair Debt Collection Practices Act ( FDCPA ).

The company has contacted me regarding a debt they claim I owe. However, when I exercised my rights under 15 U.S.C. 1692g of the FDCPA and requested proper validation of the debt, they failed to provide sufficient proof that the debt is valid, that I owe it, or that they have the legal authority to collect it.

Additionally, despite their failure to validate the debt, JEFFERSON CAPITAL SYSTEMS LLC has continued its collection efforts, which constitutes a violation of the following FDCPA provisions : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) Requiring collection efforts to cease until the debt is properly validated.

Furthermore, I have reason to believe this debt was purchased by JE
FFERSON CAPITAL SYSTEMS LLC and they have not provided adequate documentation to prove its validity. Their continued attempts to collect without proper verification are not only unlawful but also misleading and harassing.

I am requesting that the CFPB investigate this matter and take appropriate action against JEFFERSON CAPITAL SYSTEMS LLC for its violations of federal debt collection laws. I would also like this company to cease all collection efforts unless and until they can provide complete and verifiable proof of this debt in compliance with federal law. 

Please let me know the next steps regarding this complaint. I appreciate your time and assistance in addressing this matter.
Product: Debt collection

I sent debt validation letter via certified mail on XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy.

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report. 

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Product: Bank account or service

I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts liste are not mine and were NOT authorized to be open XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

Sallie Mae has contacted many estranged family members/ friends after being told to stop contacting them. They have called various members 12+ times within the past 60days with the most recent time being today ( XX/XX/29 ). They are contacting my husband and I 8 times a day even after we have told them to stop. I tried to resolve the account and bring it current and they were not willing to try and work with me unless I had full amount.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am rewriting to formally dispute inaccuracies on my credit report to XXXX XXXX XXXX that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX XXXX XXXX, and XXXX. Upon reviewing my credit report, I have identified several entries that appear to be duplicative or otherwise incorrect. These entries have no supporting evidence of authorization or approval from me. I believe these entries may be fraudulent and do not reflect any transactions, accounts, or activities that I initiated. Under the FCRA ( 15 U.S.C. 1681 ) and FACTA Title 1, Section 151, I am entitled to dispute inaccuracies and request that any unverified or incorrect information be removed. I request that you investigate these entries. If they can not be properly verified, they must be removed from my credit file as required by federal and state law. I expect a prompt REINVESTIGATION and resolution of this issue. Should the incorrect entries remain unresolved, I will pursue further legal action to protect my rights under the FCRA and FACTA.
Product: Checking or savings account

When i got my stimulus check it was not direct deposited. I physically took the check to the teller and advised that i wanted a XXXX deposited to cover the overdraft funds and other bills and the rest of the money was cash in hand. 

They just notified me a week with an email ( mind you they spam your email so who is really going to open email ) but i went through the email cleaning it out and noticed that it said they were taking XXXX from my account. I emailed them back letting them know i had no idea what this was and to please take it off because i didnt agree to any of this. 

A week goes by and i decide to call because there has been no response. I was advised that it was a courtesy credit for me to have my funds available immediately. This was not communicated during the transaction in person. If it was i would have told them no i dont need that because i have cash in hand and im fine. After speaking with the rep she advised there was no notes stating it was discussed or that it was added and they couldnt reverse it. I then asked for a supervisor. 

The supervisor i spoke with was not friendly at all. I explained to her that this is not right. I took the check knowing and willingly to cover the overdraft charges plus a little extra and the rest in cash to pay off bills. This was never discussed and replied back to the email. Her reply well you can reply back to the email. I said maam if this is the case why not put something like DO NOT REPLY like all companies do when you are not to email you back. I advised this is wrong on their end because they put something on my account without my knowledge or agreement to. 

The credit was not added before i made the deposit but the very next day. Why would i need the credit i have my account back in positive standings and if you did put the credit why not get your money the same day you put it on there seeing i had more than enough to cover that credit instead of sending a email a week before you are taking the money. 

This is not how veterans and their families are supposed to be treated, I work for the state of Tn and As a company you are to let the consumer know what is being done before it is applied. So my family is looking at it worried because this is our funds to pay bills our rent lights with 4 children and they dont care at all when this is their fault not ours. 

The bank is navy federal credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

My bank charged me excess fees far exceeding the number of transactions that caused my account to be over drawn. On The Date Of X/XX/17 Per My Book Keeping And Online Account Info I Had One Transaction That Caused My account To Be Over Drawn In The Amount Of XXXX. Previous To That My account Was In The Positive. However My Bank Charged Me 3 Additional fees For Transactions That Left My Account In A positive. Totalling An Additional {$100.00} Unnecessarily. I called a rep who was unable to help me. I asked for a supervisor who in turn refused to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2022 : -Experian is not accessible to process my request to temporarily remove its credit freeze. 

-I fill in all pertinent PII ( including PIN ) at https : //www.experian.com/freeze/center.html and this Experian web site returns error ( " We are unable to process your request. If you would like further assistance in removing your Freeze, please contact us at XXXX '' ) -Experian fails to provide a working phone number ( XXXX is non-responsive to request to temporarily remove credit freeze ) -Experian corporate numbers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) are non responsive to request to temporarily remove its credit freeze. 

Experian inability to process my request to temporarily remove its credit freeze violates the Fair Credit Reporting Act ( 15 U.S. Code 1681c1 ).
Product: Credit card or prepaid card

We purchased a home and opened an Ikea Projekt card through Comenity Bank to help us finance our home projects. The terms of the card state that purchases over {$500.00} qualify for a 6-month 0 % APR, purchases over {$1000.00} qualify for 12 months at 0 %, and purchases over {$2500.00} qualify for 24 months at 0 % APR. Due to the logistics of our needs, we made 4 purchases, 2 over {$2500.00} that qualified for the 24 months and 2 over {$500.00} that qualified for the 6 months 0 % APR. We are now 2 months into our repayment, and our payments, including the amount over the minimum, are being applied to the largest balances first. We have been told we are not able to designate which balance our payments are applied to, even the excess of the minimum payment, unless we make a payment that pays one of the promotional balances in its entirety. Essentially, to avoid paying interest we have to make lump sum payments in the amounts of the two smaller 6 month amounts, which is a stark contrast to the advertised intention of dividing the cost of a project over a 6 month period. Rather than applying payments to the lowest or nearest term balance, in a way that is beneficial to the consumer, Comenity is insisting their system is only able to apply payments to the highest balances first, essentially guaranteeing that we will accrue interest and not benefit from the financing as advertised. I spent an hour on the phone today, escalated the call three times, finally got a complaint filed with XXXX by XXXX, but she clearly stated that I should not anticipate a follow up from Comenity, as that is not their policy. I would like my payments, especially those above the minimum payment, applied in an equitable manner that is to my benefit as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Inquiries To the Attention of : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Dear Sir or Madam, I am writing to file a formal complaint regarding inaccurate inquiries on my credit report, and I request your assistance in addressing this issue. My request is based on my rights under the Fair Credit Reporting Act ( FCRA ) and the following sections : Section 611 ( 15 U.S.C. 1681i ) : Right to dispute and correct inaccurate or incomplete information. 
Section

609 ( 15 U.S.C. 1681g ) : Right to access information in the consumer 's file. Section 604 ( 15 U.S.C. 1681b ) : Limit
ations on the use and acquisition of credit reports. 
Upon reviewing my credit report, I identified several inquiries that I do not recognize or believe to be inaccurate. These inquiries are negatively affecting my XXXX XXXX, and I believe they should be investigated and removed if found to be erroneous or unauthorized. 

List of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that these inquiries be thoroughly investigated, and any inaccuracies or unauthorized inquiries be removed from my credit report. 

Additionally, per Section 609 of the FCRA, I request a full disclosure of all inquiries on my credit report, including the entities that made the inquiries and the purpose behind them. 

Finally, in accordance with Section 604, I ask that the entities responsible for these inquiries be verified to ensure they had a legal and permissible purpose for accessing my credit report. If any of these inquiries were made without my authorization or without a valid reason under the FCRA, I demand their immediate removal. 

I respectfully request that you take prompt action on this matter and ensure that my rights are upheld. I expect to receive a response within the 30-day period as mandated by the FCRA. 

Thank you for your attention to this issue. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes finding the freeze/unfreeze option on their website extremely difficult, even for a young tech savvy person. Instead, they push their monthly subscription or 1 time fee services ( scans and locks ) continually.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has refused to provide me with a copy of my credit report. Despite providing all necessary identification detailssuch as my ITIN, foreign passport, address, and credit account informationthey continue to deny my request. 

TransUnion claims they can only verify my identity using a XXXX. Drivers License or XXXX XXXX. However, as I am not a XXXXXXXX XXXX, I do not possess these documents. I have submitted alternative identification that should meet reasonable verification requirements under the Fair Credit Reporting Act ( FCRA ), yet my request has not been fulfilled. 

This refusal has caused unnecessary inconvenience and denies me access to my legally entitled credit report. TransUnions refusal to recognize valid alternative identification options for non-U.S. citizens is discriminatory and in violation of the FCRA.
Product: Checking or savings account

I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX   XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Second written request in writing to Equifax, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 )  ( A ) by mail, I continue to receive emails from the Equifax credit bureau that the account have been updated and verified and is still listed as an open reporting account. Acct # XXXX XXXX XXXX XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached FTC Report, notary and dispute letters
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to file a dispute on a collections account with Experian, their website won't let me file it and their phone center hung up on me multiple times before transferring me to a never-ending hold message.