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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
Account # XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I checked my credit and found out the credit card company closed my account because I dont have a real estate loan I rent and I am a woman on social security age .. this is the 2 one this bank has closed because of being XXXX..
Product: Credit reporting

Equifax how do you know which accounts I referring too? if your company said on all investigation that you had verified these accounts earlier in your reply you stated to me but when you replied back you stated Response disputed how did you verify the accounts and who did you talk to seen me proof of who you talked to or to closed the horses mouth JUST SEND THE ORIGINAL SIGNED DOCUMENTS??? IF YOU HAVE THEM SEEM LIKE I 'm the only one that sending proof I have been asking for this info since the beginning of XXXX and all I got from you were we have verified these account I have n't seen who and what you have did to provide the info.. please send asap Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. 
That 's a lie Equifax You sent out another letter saying contact the creditors by name per your company name How did you Know that If I did n't disclosed the items?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - My personal information has been breached due to incompetent security practices at Equifax. Equifax has offered temporary credit monitoring but that is not enough. 

Equifax, and other monitoring services, hold my life in their hands - and make money at my expense. They have virtually NO accountability but carry a large responsibility. 

If something incorrect is on my report - it 's up to me to PROVE it 's not mine. This is not fair to say the least - and to then allow a breach of my personal information and not offer to protect my credit is beyond irresponsible, it 's criminal. 

My information has been leaked. I can not take it back, ever. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We bought a house in XX/XX/2021 and sold our old house in XX/XX/2021. Our mortgage is held by Mr. Cooper. On XX/XX/XXXX our bank ( XXXX XXXX ) created a cashier 's check for {$250000.00} and XXXX it to Mr. Cooper. Mr. Cooper received it on XX/XX/XXXX. The money was never deposited into our mortgage account on that day. Mr. Cooper said they lost our check. It was found 9 days later and they attemped to deposit it on XX/XX/XXXX. In the meantime, our bank put a stop on the check. Mr. Cooper needs to sign an affidavit stating that they destroyed the check ( I was told they did this on the phone ). We just received a letter from them stating they will respond in 30 days. In the meantime our {$250000.00} is in limbo. It isn't in our bank account because Mr. Cooper won't acknowledge that they lost our check, and then that they destroyed it. We can't get access to our money until they do something.
Product: Credit card or prepaid card

***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, Credit Plus add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed disputes with XXXX and equifax in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that I am a victim of identity theft. I have already filed a report with the FTC which includes the accounts and dates opened. Please help me rectify this situation as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. These accounts were opened or reported without my authorization and are the result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2600.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$680.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4900.00} XXXX. XXXX FS o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3400.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX. BURNSCHEVC - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX  XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in XXXX
Product: Student loan

I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!
Product: Credit card or prepaid card

On or about XXXX XXXX XXXX and XXXX XXXX XXXX i called customer service to have my online profile deleted and they not allowing me to do so i no longer use online service
Product: Debt collection

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way. 

Also, there are multiple account numbers but with different balances, I don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried requesting my free annual credit report, but was unable to make an account. The automated system will not let me speak to a person and the automated system also can not help with the issue. I have spent over 10 hours on the phone trying to reach a real person to help me. I have gotten through to a live person 5 times, but each time they transfer me away and I end up back at the automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX systems. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with Equifax and by phone with XXXX with a rep named XXXX
Product: Checking or savings account

On XX/XX/XXXX I transferred XXXX dollars from my checking account to my savings account using bank app on my phone. On XX/XX/XXXX i noticed XXXX dollars was not in my savings but had gone into some strange account that was not on my app. I called the bank and i was transferred to, '' IT '' department. They said they would get back with me in 3 days and never did. I called back on XX/XX/XXXX and they were not willing to help me, saying it was all my fault. How can i make money go into a different account, when it is not an option on my app.. i dont even know the account and they said my account was linked to too many accounts. That makes no sense i only do my banking and not stranger banking. I would like my XXXX dollars returned to me immediately.
Product: Debt collection

XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX On or around XX/XX/2021 became aware that XXXX, Equifax and XXXX  had taken an unjust advantage by reporting inaccurate information which directly diminishes the value of my report. I overstand that congress says " that the banking system is dependent upon credit '' and that accuracy is " measurement of value ''. Also, congress says " inaccurate credit reports directly ~impair~ the efficiency of the banking systems ''. pursuant to ( 15 USC 1681 ( a ) ( 1 ) ). Furthermore, I'm aware that the elaborate mechanisms ( XXXX, Equifax and XXXX  ) have " assumed '' a vital role in assembling and evaluating my credit and other information pursuant to ( 15 USC 1681 ( a ) ( 3 ) ). On or around XX/XX/2021 XXXX, Equifax and XXXX  took individual action to violate my " right to privacy '' by reporting chapter XXXX bankruptcy and the following accounts in my " Identity theft report '', which is a direct violation of ( 15 USC 1681. ( a ) ( 4 ) ) thats included in my attachments. XXXX, Equifax and XXXX  have also violated my rights by reporting information solely as to transactions or experiences between I ( the consumer ) and the ( person ) making the report Pursuant to ( 15 USC 1681a ( 2 ) ) - Exclusions. XXXX, Equifax and XXXX  never gave me the opportunity to direct that such information not be communicated, which is a violation of my rights pursuant to ( 15 USC 1681a ( 2 ) ( A ) ( iii ) ). Since the following transactions arise from my " credit card '' pursuant to ( section 1602 ), XXXX, Equifax and XXXX  have also been in violation of ( 15 USC 1681a ( 2 ) ( B ) ) which states " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' is to be Excluded from consumer report. However, XXXX, Equifax and XXXX  actions to investigate these transaction has failed pursuant ( 15 USC 1681a ( e ) ) which states- " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 '', which XXXX  has no proof of such doings. Also, pursuant to ( 15 USC 1681a ( e ) ) which states- " such information SHALL NOT include specific FACTUAL information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ''. To conclude, XXXX, Equifax or XXXX  is not to Decline or Rescind my request for block of information without a senior representative certification under the penalty of perjury that I XXXX XXXX XXXX XXXX has in fact received goods and services as a result of these particular transactions.
Product: Student loan

XXXX XXXX has spun off my student loans to their new company Navient. I have historically worked with the office of the umbudsman to be a participant in their rate reduction program. When Navient took over my loans they canceled my rate reduction program and now my interest rates are at obsurd levels that I can not sustain the payments. I 've tried to work with Navient and XXXX XXXX directly but they always say they do not have a rate reduction program. Last year to get my rate reduction renewed I had to enlist the CFPB, Social Media and a reporting team at XXXX. I 'd like for Navient to re-institute my rate reductions and make the reductions permanent.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any false accounts from my credit report. Kindly review the documents, as some listed accounts contain incorrect reporting, with wrong amounts and dates.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. State 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 wriiten instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a collection agency that i dont recognize as mine. This account was open on XXXX and they cant validate this debt as mine ... .they must to sent me proof as mine ....
Product: Credit reporting or other personal consumer reports

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days or receiving a consumers dispute XXXX. [ XXXX XXXX and XXXX XXXX ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX was open fraudulently This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. XXXX parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. 

I havent had access to my credit report since XXXX. As they claim you cant access it while anything is under dispute. I was told, nothing was under dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts listed below, which have been opened in my name without my knowledge or consent. These accounts have been reported to the credit bureaus XXXXXXXX Experian, and XXXX, and are a direct result of identity theft. I believe these accounts violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of credit information ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the unauthorized use of personal information ; and the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq., which ensures the accuracy and integrity of credit reporting. Despite my efforts to resolve this matter with the credit reporting agencies, these fraudulent accounts remain on my credit report, and I am requesting the intervention of the Consumer Financial Protection Bureau to ensure these violations are addressed and my credit report is corrected. 

The accounts are listed as the following : XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged in to check my credit today and saw a collection account on my credit for Diversified Adjustment, who is apparently attempting to collect an account on behalf of XXXX. When I started XXXX service a couple summers ago, I was offered a no-commitment trial period. Within the first two ( 2 ) weeks of starting service, my phone factory reset itself causing me to lose EVERYTHING, including some pictures of my 2 year-old son who had passed. I immediately returned to the store to return all the phones. The man at the store refused to take the phones back unless I agreed to pay a fee on the spot. I told him this was not explained to me at the time I purchased the phones and demanded to see a copy of the contract listing this fee. He was unable to produce it. I told him me returning the phones was non-negotiable as I no longer wanted anything to do with XXXX. He continued to be belligerent, so I left the merchandise on the counter and left the store. My teenage daughter was with me and witnessed the entire event. As to Diversified Adjustment, I never received anything from them at all or I would have disputed this account with them.