23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

after maybe 3 months or so i finally was able to sit and thoroughly go through my bank statements which is when i did notice multiple un authorized transactions on my acct, i understand the time frame does lessen the validity of the claims but i have had more than {$20000.00} in this account which made it very difficult to try keeping up with purchase, each claim i filed you denied which makes me feel you didnt thoroughly investigate, prior to filing a claim i reached out to the merchants and were unable to resolve them, i provided you with the person name phone number and address for whom i believed made these un authorized purchases .Even took the precautions to get a new account number. the claim amounts were {$170.00}, {$41.00}, {$170.00}, {$200.00}, {$200.00}, {$1400.00}, {$170.00}, {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX  I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX  are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX - Automobile Dealers, Old This inquiry could stay on your report until XX/XX/XXXX. 

I DO NOT RECOGNIZE THESE INQUIRIES NOR DID I GIVE ANYONE ELSE PERMISSION TO REVIEW MY CREDIT REPORT ... EQUIFAX IS NOT LISTENING TO ME AND THE CREDITOR ADVISE TO DISPUTE SINCE THEY DID NOT RUN MY CREDIT BUT SOMEONE DID AND I DO N'T RECALL ANYONE ASKING OR OBTAINING MY PERMISSION ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

Nationwide DMS, representative XXXX XXXX called my co-worker today on XXXX XXXX at a number I did not provide, asked my co-worker if they worked with me. He provided a call back number of XXXX and asked my co-worker to provide his number to me and have me call him. He then asked my co-worker is she was my boss to which she replied NO and he asked for the name and number of my boss, which was not provided. My co-worker now knows that I have a debt collector looking for me and I absolutely did not provide my co-worker 's contact information. 5 calls placed to my direct line at work on XXXX XXXX, 3 calls placed to my cell phone on the same day. Very aggressive collection practices and disclosure of my personal information in regards to my debt.
Product: Debt collection

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.
Product: Credit reporting or other personal consumer reports

There are 3 late payment appearing on my credit report that are incorrect. 
XXXX XXXX  consumer credit XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hey, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Student loan

Loan cosigner talked with Navient to pay off the loan they are associated with. Total amount due for sending in payment was {$5400.00}. Navient only applied {$4900.00} to loan. Unknown where other money was applied. Navient shows this loan still has a balance of {$260.00}. Navient owes cosigner {$430.00}.
Product: Debt collection

XXXX is not correctly reporting that I am paying them in XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I called into XXXX today on XX/XX/XXXX in order to dispute some inquires on my credit report. I was transferred to the fraud department in order to speak with XXXX about these inquires on my credit report. I explained to XXXX i was involved in 3 data breaches in the last 3 years that i was unaware of. I also let him know i did not apply for any AUTO LOANS IN XXXX. After this XXXX proceeded to cut me off and let me know i couldnt dispute this info with XXXX due to them not being the ones who placed the inquiry. He told me that he couldnt verify weather these inquires were valid or not. I then advised XXXX it is under the FAIR CREDIT REPORTING ACT HE SHOULD REPORT ACCURATE AND VERIFIED INFORMATION ON MY REPORT. He then proceed to advise he couldnt help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma always send me reminder that i hace a new credit card fair approval. So make the application and i get denying and my high impact keep getting accumulated and my goal is to fix my credit not get it worst. Credit karma need to stop this.
Product: Mortgage

have spoken with Green Tree Servicing on multiple occasions. They have advised me that I had missed the XX/XX/XXXX payment. I sent them all of our payment records for XX/XX/XXXX reflecting XXXX payments had in fact been made in XX/XX/XXXX. After filing a " Qualified Written Request '' for information, I received a letter stating the payment missing was from XX/XX/XXXX when we were in a chapter XXXX Bankruptcy. The information that was given by phone when I disputed a missed XX/XX/XXXX payment was not explained to be from XX/XX/XXXX. I would have corrected the payment immediately if they would have been honest about what the issue was. I will also be filing a complaint for their collection practices as they have contacted a family member on XXXX occasions. The most recent time was after they had been informed not to contact our son as he does not live with us nor is he a party to the transaction. 


I will make the payment that they state was missing from XX/XX/XXXX. I do n't know what the resolution is for them as they have given me false information regarding the debt over the phone and were very rude when I tried to explain that they payment in question was not missed in XX/XX/XXXX. A fair resolution would be for them to reimburse me for the payment that they state was missed and apply it to my account since they were not honest about what they were trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/2020 I requested an investigation into inaccurate, invalidated, unverifiable, and questionable items on my credit report. On XX/XX/2020 I made a complaint with the CFPB to help get an investigation. I am a victim of the Equifax Data Breach and would like to get my credit report back in order as soon as possible.
Product: Bank account or service

TFC Bank sent me a claim questionnaire form in regards to my previous complaint to the Consumer Financial Protection Bureau, please review CFPB Case # XXXX. I filed a claim for an unauthorized account opening claim in my name. I want TCF Bank to inform me on whether my claim was settled in my favor.
Product: Vehicle loan or lease

I opened a loan with Prestige Financial last XX/XX/XXXX for a XXXX XXXX XXXX. I have made all payments on the vehicle since I had it, yet my balance is not lowering at all. I contacted the company for proof of how and where my payments are being applied. I was informed that all my payments are only going towards the interest of the loan and none towards the principle because they get their money in interest upfront. I have still yet to receive documentation for my request, which was over 30 days ago. I was also informed that due to me paying only a couple days late each month that my interest is continuing to accrue at a very large rate. However, per my contract that I reviewed, I am only supposed to be charged a {$18.00} late fee if paid within 10 days of due date. All of my payments were paid well within that time frame. This company is taking advantage and getting over on people who have had less than perfect credit. I have read several horrible reviews about this company on the XXXX, who have all complained about the same or similar issues.
Product: Debt collection

Collection agency showed up on my credit report. I don't know who the physician 's office is, but I had medical insurance at the time and I've not lived in Maryland since XX/XX/2012. I disputed it with XXXX but my dispute was denied Have a question? 
XXXX XXXX XXXX XXXX are accounts that are seriously overdue and may have been turned over to a collection agency. 
Learn More Account Name XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX
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. 

BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of 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 any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. Under 15 U.S. Code 1681n, individuals have rights to compensation for willful noncompliance by credit reporting agencies.

I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. 
These errors include XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX
Product: Debt collection

XXXX SOLD ACCOUNT TO TO COLLECTOR TO WHOM VIOLATED THE F.C.B.A. 
AND FDCPA AND FCRA AND T.C.P.A. AND THE DODD-FRANK ACT. 
WE ARE SUING XXXX AND COLLECTOR IN CLASS ACTION EFFORT! WE ARE NOW ADDING XXXX TO SUIT.
Product: Credit card or prepaid card

This is a newly developed situation that is a continuation of complaint : XXXX In XX/XX/XXXX I had issues with the company where I decided to close my account with Indigo ( XXXX XXXX ) credit card. The company had been informed of fraud on my account which successfully was reimbursed for. I closed the account in XX/XX/XXXX due to various reasons, one being the card company kept allowing fraudulent charges even after informing them the charges were not authorized. 

Now, beginning of XX/XX/XXXX I received a notice from Indigo that there were charges posted to my account which was supposed to be closed and no longer available to be used. I have informed the company this again is fraudulent and the card is to be 100 % closed an no longer able to be used. 

The company will process this against my credit report as being late which I am attempting to fight before it happens now.
Product: Bank account or service

Good afternoon. 
I went into the Wells Fargo Bank Branch in XXXX AZ to withdraw {$800.00} on XXXX XXXX, 2015. When I went to get a printed statement I saw that there was a withdraw for {$1800.00}, something that I do n't recall doing so. So of course I went to the teller to get further information and all they said was that their balances were not out of balance and that they were going to submit paper work to try to get the security cameras looked at the time the teller was counting off the money. So, I got the run around and just on XXXX XXXX there was a voicemail from a woman named, XXXX. She said that the cameras are not there to focus on the money being counted just on the security of the staff. I 'm not satisfied with this answer. I never withdrew {$1800.00}. I want them to physically show me through video that they actually gave me that amount of money. Their balances are not sufficient proof for me to be content with their answer. Please help!
Product: Consumer Loan

I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days past due XX/XX/2014
Product: Credit reporting

I faxed in a copy of my Identity Theft Packet and Police Report to TransUnion along with a letter indicating that I was a victim of identity theft. I requested that TransUnion block the fraudulent accounts reporting on my credit report and identified in the police report in compliance with the Fair Credit Reporting Act to report only accurate information and Section 605B to block fraudulent accounts from reporting in error. TransUnion willfully refuses to comply with federal law and sent me a letter indicating that they will " investigate '' the accounts and only remove them if the fraudulent creditors instruct them to do so. TransUnion willfully choses to cause me great harm by continuing to report fraudulent accounts despite receiving documention that the accounts are fraudulent. TransUnion willfully continues to cause me intentional emotional distress by ignoring federal law and upholding the reporting of inaccurate and fraudulent information on my personal credit profile.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX XXXX XXXX