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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX : {$11000.00} XXXX XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX XXXX calls me at least 5 days a week. Got called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
Product: Mortgage

My original home loan was sold to XXXX XXXX and then sold again to Fay Servicing over the last ten years. I did experience a bankruptcy and paid back every cent of my owed amounts. Upon completion of my bankruptcy the next step on my financial journey was to repair the home loan -I applied for loan modification several times Between XX/XX/XXXX andXX/XX/XXXX. Each time I would Submit paperwork to my account manger -they would continually ask for additional Documents - which I worked hard to obtain - when my loan package was complete Or nearing completion i would suddenly be passed over to a different loan manager or mysteriously my paperwork would be missing- I worked with aN Account manager named XXXX - XXXX XXXX XXXX XXXX just to name a few. I applied for the loan modification not to ask for a reduction in payments just to work the arrears of th mortgage into the mortgage as I was able to pay each month and was denied unless I could Pay the entire arrearage. Even though I pay my own water trash and Insurance I have been continually charged by XXXX servicing for such services adding and compounding fee onto my arrearage- I as an consumer have tried to work with Fay serviceing in good will to repair my mortgage with no options from them and limited contact from them. I work hard and can pay my note and do not want to lose my home to foreclosure.
Product: Student loan

I am a co-signer for my son student loans. On or around XXXX XXXX, XXXX my son and I spoke with a representative of Sallie Mae. We informed her ( XXXX ) we had contacted Sallie Mae previously. During the initial contact in XXXX, the automated system continued to loop. The second time on or about XXXX XXXX, XXXX, my son contacted a Sallie Mae representative who kept pressing him for a payment despite him calling to get clarification as to how and why he has three loans with them when he was informed that XXXX would be his loans servicer/processor. He also stated he was not aware of these loans with Sallie Mae and requested additional information concerning the loan. In addition, he informed the representative he has not found employment since graduation and would like information on and/or enrolling in an alternate payment plan. On or about XXXX XXXX, XXXX I spoke with Sallie Mae representative XXXX in an attempt to resolve the issues at hand and stop the constant barrage of calls every day. XXXX stated she would annotate the account we had spoken and we had concerns requiring clarification on and of the loans because the only correspondence we ever received was from XXXX concerning student loans. I also requested copies of the loan documents so my son and I could get a better understanding of his obligations to Sallie Mae. On or about XXXX XXXX, XXXX my son received a call from XXXX. He relayed the conversations and resolutions that had been established previously. XXXX informed my son that it would take up to 10 days to received the information he requested along with changing his billing statements from paperless to a hard copy. She also stated he had 60 days to review the loan documents from Sallie Mae and any financial aid documents from the school to get clarification as to how and why these loans were not properly disclosed before there would be a negative report on his credit. We informed XXXX the payment issue would be resolved by the end of XXXX XXXX. We need to fully understand my son 's obligations and responsibilities concerning these three loans in question. She said she would annotate the account of our conversation and if we had any further questions or concerns feel free to call. Again after our conversation with XXXX, we assumed the issue had been resolved and the calls would stop. However, every day from that date I have received XXXX to 4 calls from a Sallie Mae representative. Over the past two days I have vehemently expressed to these representative we have spoken with members of their company on various occasions, I do n't understand why they keep calling and the constant calls is a form of harassment. I demanded for them to stop harassing me with the constant phone calls. From XXXX XXXX, XXXX to XXXX XXXX, XXXX I have received XXXX to 4 calls per day everyday from Sallie Mae. This has gotten to the point where my XXXX XXXX is constantly at a dangerous level from the stress of these relentless phone calls.
Product: Checking or savings account

I had money in the account at the time of transaction. When it finally posted to the account after removing and holding the funds prior, they will give an overdraft fee if the same amount is not in my account although the money was removed at the time of purchase. I received numerous overdraft fees for one transaction and was forced to pay them because it happened more often when I know I was managing my funds correctly.
Product: Debt collection

NATIONAL RECOVERY AGENCY has a negative remark on my credit report via XXXX stating that I owe an alleged debt for {$1200.00}. The Original Creditor was XXXX XXXX XXXX. I have no contract with NATIONAL RECOVERY AGENCY. They have submitted a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. The communication between NATIONAL RECOVERY AGENCY and XXXX XXXX XXXX about me is in direct violation of my privacy per the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.
Product: Debt collection

I made multiple purchases to Klarna. I ended up getting sick, and did not pay the balance. It unfortunately, happens when I am ill, but I have every intention on paying the balance.In XXXX of 2022 I took out a loan, to pay off all my debt. I didnt write down anything. Or save anything showing I paid it. Nor the collections agency provide me any information that it was paid. Except it is not on my credit report. When I go to Klarna to check the balance, it was never the same and account numbers provided do not match up with anything. I been waiting for said payment statements to show up, and I just feel like I am getting taken advantage of. I believe I paid it, but I can not confirm it on my end, because there are multiple payments ( partial payments ). So I am at a loss. I would like to use the service, because it is helpful when I want to take trips. This is just so unfortunate. 

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

I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX and 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.
Product: Debt collection

This office has failed to respond to this validation request within the 10 day time period from when the letter request was originally sent via certified mail. I also requested that all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I wrote Transunion and XXXX about 45 days ago. I asked them to investigate two accounts that were inaccurate. I provided supporting documentation according to their requirements of what would be acceptable documents. To investigate the inaccuracies. Trans unions response was that i did not follow the proper documentation guidelines. An according to their letter stated what would be acceptable. Which is what i provided them three times. This leads me to believe what iam asking to be investigated and reviewed has not been done. And i have continued to receive false investigation reports. Experian has exceeded the timeline for them to respond and iam now escalating the matter to you. The documentation i have provided is : Trans unions response to the investigation that changed absolutely nothing yet they investigated. 
A copy of the letter i sent them A copy of my current credit report and the inaccuracies. 

I only ask that these companies be responsible and truthful with their correspondence. 
Thanks in advance
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized hard inquiries on my credit report, which I did not authorize. These inquiries may have resulted from the misplacement of my wallet, which contained my ID and Social Security card. Attached are my affidavit and copies of these documents. Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), credit inquiries are only permissible with my authorization. The improper use of my personal information is hindering my ability to obtain housing and other credit. I request a prompt investigation into this matter. Please do not place any freezes on my account at this time. List Below are the Hard Inquiries. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a letter to the Enhanced Recovery Company asking them to validate by signature that a specific invalid debt account was mine as this is not my debt account at all yet it shows on my credit report. I have also previously submitted a complaint to the cfpb as well. They responded that they sent documents including the lease/contract containing my signature. I received the documents but the documents did NOT contain the contract with my signature so it seems like they are now lying and putting this debt on me. The documents basically were only a bill and a summary of what that bill contained. This is extremely unfair as this is not even my debt account
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the  procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Product: Checking or savings account

I had several accounts hacked at the end of XXXX including my debit card with Wisely ( ADP/Global Cash Card ) being use without authorization to rack up some {$1300.00} in charges. I had one previous merchant dispute for {$100.00} parking that happened a couple weeks before ( they didn't resolve it ) otherwise had no issues up until this point. My problem with Wisely is that they place the burden of unauthorized activity on the consumer. It's been almost a month and I still don't have any of the funds returned to my account. It's over {$1000.00} dollars! Not being given provisional credit for transactions I didn't authorize is absurd and it puts all of the burden on the consumer that's not fair at all. They have not been helpful I have sent them everything they've asked for and more, I've emailed and called to check on credit and am told they don't do that. Well guess what, if you're going to operate like a bank I expect the same protection. I want the credit issued to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed Fraud Report over year and half ago these bureaus XXXX and Experian I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
Product: Debt collection

For months I have been fighting a back & forth game with " XXXX XXXX XXXX '' where I had lab work services preformed & " MJ Altman Companies '' debt collector. The collection is for {$320.00} XXXX XXXX XXXX made an error by charging the wrong insurance company, I've always had the same active insurance, I have no clue where they got the wrong information from. Multiple times I was assured by supervisors that they made an error and that it will be corrected immediately. After months of getting the same run-around answer I don't know what else to do. Is there any justice? I'm attempting to purchase a home & this wrongful reporting has dropped my XXXX & XXXX score tremendously.
Product: Credit reporting or other personal consumer reports

Child Support Case : XXXX and XXXX I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated.

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties.

The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment.

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered.

Please keep me informed about the progress of this request and provide any updates or additional instructions as necessary within 10 days of this notice. I appreciate your attention to this matter and your commitment to upholding fairness and justice within our legal system.

Thank you for your time and prompt attention to this important request. Please do not hesitate to contact me in writing at the above address.
Product: Checking or savings account

On XX/XX/2023 I had an unauthorized withdraw for my checking account. I was at XXXX market in XXXX, CA. As I approached my vehicle a female, aprox XXXX ft with XXXX XXXX informed me that I dropped a {$20.00} dollars bill inside the store. I told her that I don't have cash in my wallet, but she kept telling me to " CHECK MY WALLET ''. At one point I took my wallet out of my purse and I show it to her. ( This female was talking on the phone all the time with somebody. ) I got in my car and then she come at my window and said that she checked her wallet and that the {$20.00} dollar bill was hers. I gave her the bill and she walked away. After that I called my son, telling him what happened and he told me to check my wallet to make sure nothing is missing. When I checked my wallet the debit card was missing. My son told me to check my chase bank on my phone. When I did, I saw a statement regarding an unauthorized withdraw from my checking account for a {$1000.00}. I called the bank right then to cancel the debit card but my waiting time was around XXXX XXXX. By the time I canceled the card, the withdraw was done. My son and I went to the bank and we found on the floor 2 more receipts- one for {$500.00} and one for {$200.00} that were declined.
Product: Credit card

Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as they falsely report me as late, despite my consistent on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED
Product: Debt collection

I had a check and go loan, that kept pulling out of my account, when I was paying in person, with medical bills and cost of living going up, I had to default
Product: Credit reporting or other personal consumer reports

This is my fifth attempt addressing XXXX XXXX XXXX 's continued misrepresentation of the purpose of my dispute. My complaint is not about the validity of the debt itself, as I acknowledge that I had a financial obligation with them. Rather, my concern is that their original contract does not include an authorization clause or any explicit consent from me allowing them to report my account information. This omission constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated complaints, XXXX XXXX continues to mischaracterize my dispute by focusing on the existence of the debt instead of addressing their lack of authorization to report it. I respectfully request your assistance in compelling them to cease reporting my account ( which was paid in full and closed ) information due to this contractual deficiency. 



Would you like me to add or adjust anything further?
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & datXXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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