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

I went in to a Union Bank located in XXXX XXXX inside of a XXXX XXXX XXXX XXXX on XX/XX/2020. I set up the account with a banker named XXXX. She was fine at first but when I called the next day to change my business account she said she would get back to me and never did. On XX/XX/2020 my 3rd party echeck merchant sent my echeck deposit to this branch they have been for years, I got a call from XXXX now telling me they don't accept 3rd party echecks so I went into the bank and picked up my echecks and deposited them into my XXXX XXXX account with no problem. They next day XX/XX/2020 my account was frozen and flagged for suspicious of a fraud check and then closed on XX/XX/2020. No checks were deposited and no one told me when i went into the branch to pick up the checks, i even made a cash withdraw and still no one told me anything that day. i called customer service twice and they referred to the Fraud department and both times the fraud department told customer service to refer me to the bank branch directly and still all they said was it was in their best interest to close my account. I spoke to the branch manager XXXX and XXXX on XX/XX/2020 and both couldn't explain why. XXXX even laughed saying ' we just decided to close it.This is unfair and not the way to conduct business. Stay away from this branch and bankers, they are not professional and will close your account without even calling you if they feel like it and their customer service is ridiculous
Product: Credit reporting or other personal consumer reports

I am writing in response to the documents that were not legible regarding the block pertaining to the 605 ( C ) Fair Credit Reporting Act ( FCRA ).

I sincerely apologize for any inconveniences caused by the poor quality of the documents.

I have attached the updated documents to meet your requirements to move forward with the block!
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see some incorrect information on my report, that is affecting my ability to obtain credit at the moment, can you please investigate this account? 
account-XXXX account XXXX XXXX
Product: Student loan

XX/XX/2024 a Joint statement was released by the Department of Education it was a summary of Joint Investigations into the XXXX XXXX XXXX XXXX and all of its For Profit Colleges. That Press release gave notice from multiple Government Entities and Investigations about the Misconduct the College engaged in with defrauding the Student Borrowers. I have been requesting information specifically in regards to the Holder Rule in my Loan Agreement since that Press Release was posted.

My dealings with Navient regarding my student loan that was for The XXXX XXXX XXXX XXXX XXXX XXXX continues to give Navient more opportunity to give me false and misleading information about the Terms and Conditions of my Loan. I have sent them the FTC XXXX on the Holder Rule which is not hard to understand. I have been sent notices with information that does fall inline with Federal Law. In response to requests for the Holder Rule to be adhered to as it is mandated to be in the Loan Agreement they replied and I quote " It is important to understand that private student loans are nonfederal loans and the terms and conditions for private loans are set by the lender. '' Going off of the Guidelines Navient has no such authority to alter the terms and conditions in regards to the Holder Rule. By doing so they are violating the Holder Rule Notice Requirements while also breaching the loan contract. Navient keeps trying to gaslight me into believing they have the ability to deny the request by quoting a generic statement about their Loan Misconduct Form which doesn't fall inline with the Loan Agreement I have with them as it too violates the Terms and Conditions of The Holder Rule by injecting criteria that is only known by Navient. So Navient can reference vague criteria while not allowing for any kind of challenge trapping Borrowers in a loop of appeals while effectively being useless and doing nothing to help those Borrowers who are trying to get relief on Loans that were to Predatory For Profit Colleges. 
I notified Navient of Employee misconduct in regards to an employee relaying false information about the Press Release as well on XX/XX/2024 where I asked again about the Holder Rule while being coerced into their School Misconduct Application Scheme. I was not given a response on that misconduct or notified of any information regarding that misconduct nor the intitial Press Release in the form of a fraudalent substitution I am given a corporate phrase which sums up to they believe they have authorities that are not found in my Loan Agreement that such decisions are proprietary. I am getting rather annoyed with this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the recent laws medical debt is not to be reported until its at least 365 days past due. 
The definition of medical debt is : Debt that arose from the receipt of XXXX XXXX, products or devices Because of the receipt of XXXX XXXX, devise and products described above I was forced to take a medical debt loan through XXXX XXXX which was sent to XXXX XXXX is aware that the loan was for the receipt of XXXX XXXX ( Medical Debt ) and is not 365 past due. 
They allowed a customer care agent to represent the company and close my XXXX  complaint and my dispute as being accurate when its actually not accurate at all. Because the medical debt is not past due it is not legally allowed to be reported on my credit report. I have a legal right to accurate credit report and the decision to put it on my credit report should not have been made by a customer care agent who is not familiar with the current medical debt laws
Product: Mortgage

XXXX XXXX ; DO YOU OWN THIS ACCOUNT? HAS THIS ACCOUNT BEEN INCLUDED IN ANY LAWSUITS AGAINST XXXX XXXX? 

XXXX XXXX ; YOU ARE REQUIRED TO RESPOND TO DIRECT QUESTIONS TO XXXX XXXX. 

WILL YOU GRANT ME A QUIT CLAIM DEED? IF SO PLEASE TELL ME HOW TO REQUEST THE QUIT CLAIM DEED. 

HAS THIS ACCOUNT BEEN LIQUIDATED AND INCLUDED IN A SETTLEMENT? 

I AM WILLING TO work with XXXX XXXX to grant me a quit claim deed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.
Product: Credit reporting or other personal consumer reports

Please send a cease and desist letter for removal to the following companies : Needs items to be removed and no longer report on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -Profit and loss write-off XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX  XXXX closed XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX - disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned in XX/XX/XXXX that I was receiving a monthly charge of {$27.00} to my XXXX credit card ( account ends in XXXX ). The charge was noted as " Experian* Credit Report XXXX CA. '' I contacted XXXX bank in XX/XX/XXXX and disputed the charge. My dispute of the XX/XX/XXXX charge of {$27.00} was resolved in my favor. I learned that Experian had been charging my credit card {$27.00} each month beginning in XX/XX/XXXX. I attempted to dispute all monthly charges. XXXX informed me that I would have to open a Fraud case. 

I can not recall nor do I have any knowledge of enrolling in any product or service from Experian. 

I have attempted to contact Experian multiple times. I called XXXX. I also called XXXX. I also called the toll free number for customer support provided on www.experian.com. Each call is to an IVR that provides no option to speak with a customer serv ice representative ; I have been unable successful in reaching a human at Experian with whom I could speak. 

I attempted to resolve this problem on-line using www.experian.com. I was informed that I am NOT an enrolled member for any Experian services or products. Nonetheless, Experian has charged my XXXX credit card {$27.00} each month beginning in XX/XX/XXXX. 

I was forced to close my XXXX credit card account due to it being charged from Experian each month. The account has been closed. 

I had to
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX sent Midland Credit Management a 2nd dispute letter stating this account below is not mines, they are mistaking my identity. For one I am XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX, thats a violation it self. I got the reply from you guys recently and I think I need to make myself more clear.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 you all said that information has been deemed accurate and verified by the creditor XXXX XXXX and documentation has been sent to me to review which it has not. Also you mentioned of an assumption that i am using a credit repair company when I am not and I am in fact utilizing my Rights under the FCRA and disputing this creditor. However you as the furnisher are violating my rights and not providing information from the creditor that you are required to get from them and to provide to me. Once again if the information that was not requested in my previous CFPB complaint XXXX or dispute is not honored i will be forced to take legal action against EXPERIAN as a consumer i can sue for {$100.00} {$1000.00} for each violation of the FCRA. I am demanding at this point if the information previously requested is not provided within 15 days i will take legal action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I require an explanation for this claim, as well as an explanation of how you have ensured adherence to the precise rules you are charged with enforcing. As a result of the bogus accounts that continue to appear on my credit record, I am contacting you in great annoyance and shock. It has come to my knowledge that there hasn't been a suitable resolution despite my multiple attempts to fix this problem. Not only is this circumstance hurting my financial reputation, but it is also causing me a great deal of emotional pain. 
Therefore, it is necessary to look into the following facts. I humbly ask you to see the contract, note, or other document with my signature on it as proof of this purported item. If it doesn't work, the item needs to be removed from the report right away : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX th, XXXX, The Creditor, XXXX XXXX XXXX sent an email informing me that they deleted their negative reporting from my credit report. It reads : XXXX XXXXXXXX XXXX has requested that the major consumer reporting agencies either change XXXX XXXX XXXX  's tradeline, concerning this Account ( my credit report shows two accounts, where XXXX XXXXXXXX XXXX  allowed someone to open another account in my name and make fraudulent charges, after having a security alert and credit freeze on my credit file ). 

They knew the accounts had received multiple fraudulent charges, so I sent them the police report and FTC report to have the account deleted. They then sold the same accounts to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when they knew they were deleted and paid, due to Identity Theft. Is that not illegal? Is that ethical? How are there two accounts for the same company, that opened around the same time? One was opened fraudulently and one was used to make fraudulent charges on my credit accounts that thieves stole from my purse, while I was in the gym. A police report was sent as well. As of today, XXXX XXXX XXXX XXXX XXXX, XXXX is still trying to collect funds on a closed debt. I demand they remove these inaccurate collections accounts from all of the major credit bureaus reporting negative information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were not initiated by me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this inaccurate and fraudulent information removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I believe I am on the XXXX. mort. co., in other words it has been sold twice. The current alleged owner has hired a bill collector, a so called mort. servicing corp. to manage my mort.. I have been waiting since XXXX/XXXX/2015 for the former mort. co. to sign my insurance claim check over to me. I finally received an insurance check made out to me & the former mort. co. with a signature on it. I do n't know if I can deposit it or not but I will find out tomorrow. I think they want me to endorse it & send it to them which I am not going to do. To put it bluntly, I do n't trust them. If I sign it & send it to them, I will never see it again & I will loose control over my payment. Also, I have asked for but not received credible documentation that this new company does in fact own my mort. nor that this so called mort. servicing co. is authorized to receive my payments. They want me to make my checks payable to them ( the bill collector ) & they do n't even hold the note. I have to wonder if either of them are licensed to do business in S.C..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 via phone a dispute is submitted with all credit reporting agency for the following : Fig Loans # XXXXXXXX XXXX  The account payment history is incorrect and is reported as being 90 days late. This account has never paid late. In addition, this account has multiple listings on credit file report. 

Credit reporting agencies within 24 hours verified as accurate. Credit reporting agencies in violation of FCRA USC 1681, FCRA 611, and FCRA 623.
Product: Vehicle loan or lease

I bought a car in XXXX and it got wrecked in XXXX car was totaled but i guess whoever the bank had come look at the car said that it wasn't a total loss so they had only received a check for {$6000.00} of the {$10000.00} or something that was left but whoever deemed it not a total cost made it toward the gap insurance never got triggered for the last XXXX or XXXX XXXX that was left and the company that something the check isn't even in service or anything anymore
Product: Credit reporting or other personal consumer reports

On XXXX XXXX someone applied for a XXXX account in my name i reached out to transunion about getting it deleted because it was fraudulent, I was told to reach out to XXXX and XXXX to me to reach back out to transunion
Product: Debt collection

The credit bureau did not respond within 30days. They also reported the accounts was updated and did not provide verification.
Product: Credit card or prepaid card

I reported fraud on my acct on XX/XX/XXXX. There were out of state transactions as well as transactions from over XXXX miles away. They gave me a temporary credit and then on XX/XX/XXXX I received a call from a XXXX asking to call them back. I called them back and the voicemail box was full. About a week later I received a letter in the mail stating that XXXX from Tops were valid and I never even reported a Tops on my fraud claim. I was also sent XXXX of the same credit card and I lost XXXX of the cards that's why I reported it immediately. I am now responsible for purchases on my acct that I did not do nor was I in that state. In fact, I made a post on XXXX that same day with my daughter as we were out to dinner with family in the town I currently reside in. On top of that, I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX. I also sent a request via Fax on XX/XX/XXXX. I can't leave a voicemail for my representative because the mailbox is full and no one is sending me information that I requested nor resolving my claim. Now there is an overdraft on my credit card acct. I reached out to some of the merchants myself and they have never seen me or know anything about the issue which means they were never contacted by this company asking for information. I have proof of the XXXX cards sent as I have pictures because I thought it was bizarre they would send XXXX of the same card. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.