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

Received account statements from BMO bank on a savings builder account with a account balance of XXXX for two months. I've never even heard of BMO, when I tried to call and resolve this they said they can't verify who I am after I gave them my name, last four and the account information. They verified that the account exist.
Product: Debt collection

I have a satisfaction of judgment that was filedXX/XX/XXXX by Agency of Credit Control XXXX XXXX for a paid medical debt. I checked my updated credit report in XXXX of XXXX and it shows that Agency of Credit Control XXXX XXXX re-listed the accounts satisfied in the judgment as paid closed collection accounts, and stated they were closed in XXXX of XXXX ... over a year after they were closed. This caused a 77-point drop in my credit score. I already received a negative hit to my score when I got the judgment. Essentially, I was unduly penalized twice for the same accounts ... once when I got a judgment against me, and again when they re-listed the accounts in XXXX of XXXX. I reached out to the agency, and they said they do not update these records, despite being the agency making the report to the credit bureaus. The representative also stated, despite the debt being paid in full, that " had the matter been resolved with the original creditor back in XXXX, none of this would be an issue now. '' What this person doesn't know, is that I attempted to resolve the debt with the original creditor. They did not wish to negotiate an affordable payment, would not accept my multiple offers for alternative arrangements, and filed a judgment in court. I was charged more than double what I originally owed in medical debt to satisfy attorney and court filing fees for this agency. I have submitted a copy of the satisfaction of judgment, copy of the original court summons, a breakout of the amounts originally owed according to agency of Credit Control, email quoting the amount of my last payment to them with a receipt showing my final payment made, and my email communications with the XXXX regarding the re-listed accounts.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Debt collection

The company is a bank, PNC. In XXXX I applied for and was approved for an installation loan by BBVA ( before the bank became PNC ). The interest rate was fixed and monthly was {$180.00} and for 48 months. 
I received an invoice from PNC that my last payment will be {$530.00} due in XX/XX/XXXX. 
For the record, I never missed a payment or made payment more than the allowed grace period. 
I called PNC on XX/XX/XXXX and was unable to get an explanation why I'm being asked to pay more that the regular {$180.00} payment. I called again today and was given a convoluted answer that the amount ballooned during the transition from BBVA to PNC. I'm still trying to find out why the amount changed from {$180.00} to {$530.00}. The rep guessed that it may have happened during XXXX XXXX. For the record I never requested forbearance or skipped payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, my complaint is directed to Experian who denied me my right to dispute several erroneous hard inquires on my credit report. I made a phone call to the Experian dispute center XXXX international ) on XX/XX/2019 and I was connected with XXXX. I told XXXX that I recently looked into my credit report for the first time on Experian a few fays back and I found several erroneous hard inquires. XXXX told me that I could contact the companies or be directed to the fraud department. I cited the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX 5 XXXX, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 
XXXX began to get agitated with me and started cutting me off and raising his voice. Again, he told me that hard inquiries were not able to be disputed by Experian. I then asked XXXX to transfer me to his supervisor, XXXX. XXXX apologized for the inconvenienced but told me the same thing XXXX did. I then asked to be transferred to the fraud department located in TX, USA. I was connected with XXXX who also informed me that I was not allowed to make a dispute against hard inquires on my file. I asked her to transfer the phone line to her supervisor, XXXX who unfortunately was not available. 
As a U.S. citizen, the Fair Credit Reporting Act gives me the right to directly ask the credit bureau to investigate any fraudulent reporting on my file. Therefore, I am writing this complaint against Experian who denied me my right to investigate the fraudulent inquires and subsequently provide me evidence of their legitimacy according to Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Experian promptly delete the following items from my credit report. 
XXXX. XXXX XXXX XXXX ; Inquiry date : XX/XX/2019 XXXX. XXXX  XXXX NA ; Inquiry date : XX/XX/2019 XXXX. XXXX XXXX ; Inquiry date : XX/XX/2019 XXXX. XXXX XXXX ; Inquiry date : XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing all of this on my own behalf.
Product: Debt collection

XXXX XXXXXXXX XXXX  ( Landlord ) sold my rental debt to Hunterwarfield collections agency. They are attempting to collect an incorrect amount, and are refusing to share the utility bills they are charging. Hunterwarfield has called my family members and gave them my information, and attempted to collect the debt from them. I tried on multiple occasions for my landlord to send me proof of what I was being charged but they only responded by threatening me to send me to the collections agency mentioned above.
Product: Debt collection

on XX/XX/2017 our XXXX XXXX credit card was used fraudulently for the initial amount of XXXX the card/account profile continued be used fraudulently via identity theft until the debt reached XXXX and with interest and penalties it reached XXXX. 
A police report was filed on XX/XX/2017 with the XXXX XXXX sheriffs department. An arrest was made, the wallet recovered by them and communicated to us by the XXXX XXXX police department on XX/XX/2017. This was communicated to XXXX 's fraud department who has not expunged our record to this date. They through city bank played ping pong with us and sold the debt. I have communicated this to all the debt collectors only to have the debt resold and the issue never fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX TransUnion Consumer Solutions Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 18 credit inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and their dates are attached to this letter as-well as proof of my address, along with my social security card, and my drivers license. 

XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXXXXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX  Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX/XXXX  Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  Inquiry from XX/XX/2019 XXXX/XXXX-XXXX  Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Two years ago while applying for an apartment I was denied, and was curious why, so I performed a credit check with credit karma, and found that someone had used my identity to purchase something through a company called LVNV funding. I disputed the debt with three of the credit companies and XXXX and XXXX removed the debt because they said they were unable to validate the debt and i then went and had my credit frozen, XXXX is refusing to remove the debt because they are claiming the debt was verified, but even when i request a debt verification letter they sent a document that had a wrong address and a signature that consisted of characters and numbers, I was confused and spoke with a credit counselor who informed me that this was a digital signature and is not a validation of debt. I then reached out to XXXX again and request their American office where a gentleman named XXXX said that as long as a company can give a name, address, and social they consider that validation, and he gave me your information, because he said that is the same information that is used when stealing an identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor XXXX  ) XXXX and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Also, please remove these inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX  XX/XX/XXXX.
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 XXXX. XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXXXXXX XXXX  add a hard inquiry on my credit reports. 

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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately
Product: Student loan

Discharge all student loan alleged debt due to false certifications, unlawfully retained refunds and identity theft used to obtain money from U.S. Department of Education that was secured by academic institutions, suspend and or terminate Program Participation Agreements of all who engaged in Program Integrity violations for failure to maintain fiscal management controls over Title IV funds between XX/XX/XXXX through XX/XX/XXXX that resulted in mismanagement of federal funds. 

Navient as servicer with an existing PPA with the U.S. Department of Education who have participated in concealing over {$38000.00} in students loans that were refunded to it on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  for Loans 1 & 2 for {$10000.00} ; it failed to disclose until I, the borrower investigated that occurred on XX/XX/XXXX and on or about XX/XX/XXXX loan from XXXX XXXX XXXX XXXX XXXX who refunded Loan # 6 to  XXXX XXXX for {$5000.00}. Collectively these three loans XXXX 1 & 2, XXXX loan # 6 today with principal and interest total more than {$38000.00} because of its failure to deduct these refunded student loan debts from my National Student Loan Data System and national Credit Reports. Further since Navient breached it fiduciary duty owed to the U.S. Department of Education it has caused its liability, then all fees, charges and debts associated with these three loans in particular should be the debt of Navient and Navient alone. Navient 's PPA should as a matter of law for massive mismanagement of Title IV Higher Education Act of XX/XX/XXXX taxpayer money should be terminated from further participation in the student loan and federally insured programs of the federal government. 

With regard to XXXX, it similarly caused the liability to the U.S. Department of Education for its willful misrepresentations made to the AWH Hearing and Tribunals group on or about XX/XX/XXXX or thereabout alleging a debt due and owing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Had XXXX conducted an investigation as is part of its PPA due diligence responsibilities before defaulting Loans 11 & 12, it would have learned the cost of attendance was less than {$3000.00} for the two semesters attended, i.e., Fall XX/XX/XXXX and Spring XX/XX/XXXX ; further, it would have learned that XXXX retained unlawfully {$18000.00} of the {$21000.00} it received from the U.S. Department of Education. Since XXXX and XXXX caused the liability of the U.S. Department of  Education that XXXX and XXXX should be held liable for their respective breaches of the fiduciary duty both owe to the U.S. Department of Education. All associated debts, interest, fees and other charges as a matter of law should be their debt and their debts alone. I am but a borrower. I was forced to conduct an investigation to prove I do not owe the alleged debts reported incorrectly on the National Student Loan Data System report filled in and completed by unconscionable acts of massive fraud by PPA holders.
Product: Debt collection

In my original complaint I requested validation of debt and I received it. However the date the account was opened is still inaccurate on my credit report. Account was opened in XXXX and its showing it was opened in XXXX on my report. Please fix this inaccuracy.
Product: Credit card

On XXXX, XX/XX/XXXX I received a text message : Free Msg Citi : Card XXXX. We're unable to process the charge for {$24.00} at XXXX XXXX XXXX on XXXX. Your temporary card information only works for certain purchases. To remove purchase limitations, activate your new card once it arrives. If the card isn't received 10 days from account opening, call XXXX. Reply STOP to Opt-Out of account servicing msgs On XXXX, XX/XX/XXXX I received : Free Msg Citi Card XXXX. Did you attempt {$530.00} at XXXX XXXX on XXXX? Yes=1, No=2. Access acct / contact us at Citi.com. Reply STOP to Opt-Out On XXXX  XX/XX/XXXX I received a XXXX delivery with a brand new XXXX XXXX XXXX credit card which I did not sign up for! 

I contacted Citi and they have closed the account. All of the information on the account was correct but not set up by me.
Product: Consumer Loan

I am a costomer of BB & T and have been for XXXX years.I own a home and auto and owe nobody anything except a hospitol bill.For the last decade i have been helping my mom and dad with their health problems.I put in for a loan at BB & T for amount of XXXX.They turned me down saying i didn`t have enough credit.Given their logic nobody comming out of high school or collage will ever be able to do banking with them.When i ask for an address for the board members to send them a letter complaining about this, they keep stonewalling me and will not let me complain directly.It seems that they are trying to hide incompadance from upper management.The paperwork i recieved from my loan applacation is very sloppy.Next i will contact the XXXX on banking.If BB & T doesn`t wish to take care of taxpayers then taxpayers need not loan money to this type of a bank.