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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters repeatedly to XXXX, Experian and XXXX  requesting to remove inaccurate addresses from my credit report. 

XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020 Veterans United Home Loans pulled a hard inquiry on my credit report without my permission or knowledge. I talked to them today and they told me that they do not require permission to do hard inquiries. They are unresponsive and unwilling to do anything to fix it.
Product: Credit card

I applied for the US Bank XXXX XXXX XXXX XXXX credit card in-person at the US Bank XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. I received notification by phone call ( branch banker- XXXX, voicemail available ) that I was approved on XX/XX/XXXX. On XX/XX/XXXX, I received the US Bank Signature Connect credit card via USPS. This was not the credit card that I applied for, nor that I received disclosure notice documentation from the branch about. 

Immediately after opening the letter from US Bank and seeing this mistake, I repeatedly attempted to contact the bank branch between XXXX and their closing time at XXXX, nobody ever answered the phone. I called US Bank 's XXXX services number, and spoke with XXXX, a Credit Card supervisor ( call ref # XXXX ) who informed me that there is nothing they can do to replace the credit card and line of credit that I had applied for with the one that I received. They recommended that I take time off work to again visit the XXXXXXXX XXXX bank branch to try to work with the manager to resolve the mistake- which was likely made by the banker ( branch banker, XXXX XXXX who processed my application. I am told that most likely, I will need to close this account and go through the entire application process again, including unfreezing and pulling my credit history, and that I will need to contact the credit bureaus to dispute the credit pulls and the line of credit that was opened on my behalf without my consent.
Product: Debt collection

This letter is to inform Davis & Goldmark Inc. that I dispute the validity of this debt that you are claiming that I owe or for which your company is otherwise alleging that I have any personal liability or responsibility which you claim is in behalf of your client XXXX. 

I have no personal responsibility for this debt. 

Davis & Goldmark sent a collection letter dated XX/XX/2018 to me personally : [ see attached PDF file ] The address however [ see PDF file ] is the corporate address of [ see PDF file ] my company. 

All activity that occurs at this address is business activity associated with the corporation. 

All packages that are shipped from or delivered to the above address are exclusively related to the activity of the corporation. 

The letter from Davis & Goldmark states : XXXX delivered a C.O.D. package to you and payment of {$140.00} should have been collected at that time. For one reason or another, we show no record of receiving this amount. 

Neither XXXX nor Davis and Goldmark have identified the name of the sender, the alleged date of delivery, the type of package, its contents, value or or any other relevant information. 

Why would XXXX the tightest ship in the shipping business leave a C.O.D. package without collecting the amount due [ a package that by definition is to be delivered only upon receipt of cash on delivery payment by the recipient ]? 

Based on the identification of the perfunctory nature of the XXXX delivery activity in question, that Davis & Goldmark has provided in its letter, XXXX failed to satisfy their responsibility to their shipping client -- - and rightfully need to refund their client, the shipper, not to wrongly come after me personally for this that I had no personal connection to. 

If a package was indeed delivered to our company by XXXX as conjectured by Davis and Goldmark,  and XXXX failed to collect payment for the alleged delivery and for a package for which my company has no record of receiving that is neither the responsibility of my company and certainly not my personal responsibility to pay XXXX or Davis & Goldmark. 

In keeping with the " bottom-feeding '' disreputable nature of collection outfits, Davis & Goldmark is  evidently trying to bamboozle and intimidate me -- - as is apparently their stock in trade - and probably doing the same to numerous other people who have no personal fiduciary responsibility for the given debt .... just so Davis and Goldmark can strong arm as much revenue as they can -- - whether earned, deserved, relevant or not. 

Davis & Goldmark is misrepresenting, wrongly associating and fraudulently claiming the above as my personal credit obligation and personal debt.
Product: Student loan

I have contacted both the Department of Education and my loan service Edfinancial multiple times regarding my student loans.

My experience has been the same every time. Both helplines have customer service representatives that claim they can not see my specific account information and claim that I am contacting the wrong entity. DOE reps claim that Edfinancial has the information, Edfinancial claims DOE has the information. This has left me in an endless loop of calling one, then the other. Both parties claim they can not see my specific account information. 

Last week I called the DOE omnibudsman. The representative gave me false information about the type of loans I have taken out. She also accused me of having another party on the line. It was very bizarre. She said she only handles PSLF. I am not in that group. She recommended that I call Edfinancial, which I did. They told me to call the DOE back. 

Here is my question. How many payments have I made over the life of my loans? I entered repayment after XXXX  in XXXX. I should have about XXXX payments. Then I went to XXXX XXXXl & went into an XXXX XXXX. I graduated in XXXX of XXXX with a XXXX. Went back into repayment in XXXX of XXXX. I consolidated my loans in XXXX of XXXX. And I think at that time they became Direct Loans. I made every payment until the COVID forbearance. Then I changed over to Repay, now Save. I went into repayment with everyone else last XXXX. I made XXXX payments then asked to be placed into forbearance because I was pretty sure I was at XXXX payments. 

My frustration is this. No one knows what they are talking about when you call at either place. How am I supposed to make an informed decision when you can't speak to someone who understands your specific needs?
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under USC1681 Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account number 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, states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1861c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse items of information, other than records of convictions and crimes which antedates the reports by 7years.

15 U.S.C 1681 1s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax alike has allowed XXXX XXXXXXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX XXXXXXXX XXXX. For this alleged debt, XXXX XXXXXXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : XXXX reflects a past due balance whereas Equifax does not ( Inaccuracy ) XXXX reflects an open date of XX/XX/XXXX and Equifax reflects XX/XX/XXXX ( Inaccuracy ) XXXX reflect terms of 1 month and Equifax reflects nothing ( Inaccuracy ) Equifax notes this is a medical debt and XXXX notes nothing ( Inaccuracy ) XXXX reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on Equifax ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the ''Date of first delinquency '' and history listed on this account. Per my records this account has been re-aged in some way and should be deleted due to the 7 years now passed in XXXX of this year. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$850.00}. 
I previously disputed this account stating : ''The payments were made outside the child support payments portal and therefore showing as late. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft due to a data breach, the following accounts and inquiries were not authorized by me. I request that they be blocked and deleted under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Equifax/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

On XXXX XXXX, 2016 i checked my credit on credit karma and had XXXX hard inquires removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help at all from this bureau. No one would transfer me, no one would connect me to an American representative or the fraud department. Talk to multiple agents were very belligerent, some have told me that they knew of the issue. But basically told me too bad and I should file a complaint because they certainly could not and would not fix the problem
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Inaccurate information, including false death reports, must be corrected or deleted. 

I applied for a XXXX XXXX account on XX/XX/year>. I was informed to contact them. Upon contacting them I had to unfreeze my credit report. After I temporarily removed the freeze, I received an email saying that I wasnt approved for the account because based on their internal information and information from XXXX a consumer reporting agency, they believe that the Social Security number used for this application belongs to a deceased individual. This statement is not true!
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity.
Product: Credit reporting or other personal consumer reports

Creditor InformatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not aware of this debt of {$1600.00}. I never signed a payment agreement with this company. Please show me my signature or remove from my credit report.
Product: Checking or savings account

CitiBank sent me an email on XX/XX/XXXX stated that my CitiBank checking and saving account will be closed. Since then, I can not access my accounts anymore. There's still around {$16000.00} remaining balance in the account, and I called CitiBank on XX/XX/XXXX and their back office responded that the remaining fund will be sent via a mail check to me. 
Until today ( XX/XX/XXXX ), I still have not received the check. In XXXX, and XX/XX/XXXX, I went to the Branch several times ( located in XXXX XXXX XXXX, XXXX XXXX NY XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX ), and each time the banker can not find my fund no matter via their system or by contacting CITI back office. I also called Citibank customer service and back office, and each time they provided me with different responses, such as your fund has been sent via ACH to your bank account, or your fund has been sent via a check, or your fund is still being held with the bank, or you need to wait until 90 days after the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Radius Global Solutions, LLC partial account # XXXX or Partial acct # XXXX has violated my consumer rights. I did not give Radius Global Solutions, LLC written permission or instructions to furnish this negative account on my consumer report. 

15 US Code 1681 section 602 A. States that I have the right to privacy.

15 US Code 1681 section 604 A section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

The following inquires are on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I was charged, in error, {$87.00} by XXXX as a first payment in a recurring billing agreement on XX/XX/2020. I discontinued the recurring billing plan and disputed the charge with XXXX, but still have not been credited with the {$87.00} on my XXXX bill. They have not charged my card again, but AMEX won't let me dispute the charge unless they are allowed to deactivate my card and issue a new one. I currently don't have a safe place to receive mail, nor can I afford to go 10 days without a valid card. I requested that they open the dispute without  changing my card as I haven't been charged again by XXXX and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$8500.00} SENT DISPUT LETTER XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX SENT DISPUTE LETTER
Product: Credit card or prepaid card

On Monday XX/XX/2019, I made a payment onto my Capitol one venture card through the mobile app. I attempted to pay the minimum payment of {$49.00}, but it went through as the entire balance of the card of {$4900.00}. On the morning of Tuesday XX/XX/2019 I was notified that my checking account was negative {$3300.00}. My balance before that was {$1500.00}. The difference was pulled out of my savings account to make there be sufficient funds for this payment. This payment was not supposed to happen. I am a student with no income and need this money to not only helps me pay for school, but for all my bills. I have talked to no less then five different people at Capitol one, including a manager, who all claim that there is no way for this payment to be reversed. All of the people I have talked to at Bank XXXX XXXX have stated that this claim is ridiculous. They have people make mistakes all the time through the bank and the payment just becomes reversed. XXXX has filed a claim for a charge back to Capitol one to attempt to get my money back. They will give me a credit for the amount I lost within 24 hours. The claim processing time takes around 45 days, but if Capitol one declines to pay back the funds, then the money from XXXX gets taken back, which basically means I can't spend any of it just in case they don't approve the charge back. I'm at a loss.
Product: Student loan

This communication is a response to the closed status of CFPB Case no. XXXX. I filed my original complaint subsequent to CFPB 's notice in XXXX regarding XXXX student loans and fraudulent lending practices. I wanted to go on record regarding my experience with Discover. Discover responded to my CFPB complaint in a letter dated XXXX XXXX, XXXX that contained numerous false claims. I was not offered the option on the CFPB website to respond, and during a phone call to CFPB today, I was informed that my only recourse now is legal counsel. 

Please add to my record of this case that Discover responded to my complaint with additional fraudulent claims and misrepresentations. I am not going to seek legal counsel as I am facing health issues which require my full attention currently. I do feel that CFPB should have seen this case to a final resolution instead of further allowing this predatory lender to continue its unethical practices and victimizing vulnerable borrowers. XXXX XXXX XXXX XXXX