23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was co-executor of my father's estate. He owned property mortgaged through XXXX. I am not signed on the mortgage.
XXXX has been harrassing me with phone calls regarding the mortgage which is not delinquent. The home was left to my brother, XXXX.
I learned by reviewing my annual credit reports that this bank ran a credit report on me on XX/XX/2015. without my authorization.
When I returned their call from XXXX, they told me that they could not talk to me about the mortgage. I asked them if that is the case, why do they continue to call me everyday..
I asked the agent "XXXX" (Who gave "XXXX" her customer service ID) why would XXXX run a credit report on me and she said that "they could do that for collection of a debt."
I told her and others repeatedly that I am NOT obligated to them in any way. I have not signed any papers.
She said that XXXX was not going to remove my phone number until they got the information they wanted. I asked what was the information--again, she said that she could not divulge that because they are not authorized to talk to me!  I repeatedly ask them not to call me! This is ludicrous!
It is unlawful to run a credit bureau report without authorization.
The estate number for the XXXX County Probate court for my father,XXXX is XXXX. The property address that PNC has the mortgage is 3585 XXXX Ohio.. 
The mortgage account number is XXXX. XXXX Federal ID number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9200.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : DEPTEDXXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 

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



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX / XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

I filed a complaint before in regards to this company, Western control services served the wrong address, the wrong person and I have never even been given copies of the service, I have never even heard of the person that was served and I told them about this, I called them after getting the paperwork sent to my job for verification of debt and tried to set up a payment plan with them, they asked me to send them copies of my bank statements so they can review and set something up with me, I called them and left a few messages for return call after I faxed my statements and got nothing in response, then today I came into work and got my check and am now being garnished for over 700 a month. I am a single father with XXXX children and XXXX has a XXXX that we deal with daily. I cant even afford my rent because of this garnishment. The service of the paperwork from the beginning was incorrect, I told them this and still they have ignored the mistake on their part, they have committed multiple FDCPA violations when I did call in to them, No Mini Miranda was given to me by XXXX different people I spoke too, proper verification was not completed either when I called in and they just went into the call with me. I am asking and begging for help from someone.
Product: Student loan

I was with Sallie  Mae  in 2007 when I attended XXXX XXXX. I didn't not anything about Navient taking over for Sallie Mae until I seen it on the News. I have asked Navient to send me documentation stating that I authorized them to take over my loans and I would continue to pay them instead of Sallie   Mae. I have sent letters and talked to customer service reps and all they send me are the loans from Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account listed below, which continues to appear on my credit report despite your previous investigation. I request an immediate reinvestigation of this item, as the inaccuracies are causing significant harm to my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request that you provide the names and business addresses of each individual who verified this account. This information is necessary for me to conduct further follow-up.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Filing complaint against Cash App! There services an unfair a they promote that at their business. They violate the Cfpa! They failed to take care of timeliness and address the fraud happening on there app. This made my account XX/XX/XXXXand able to be XX/XX/XXXX. Dispute resolution was not fair, under the efta act. This caused me financial loss and I seek the appropriate redress for these violations.
Product: Checking or savings account

I Closing on my home I received an email with a wire transfer sheet from the title company that I thought was the title company went to the bank wired the cash. The title company told me that they never got any funds from me then I figured it out it was a scam.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX  -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

In order to request a refund from a company ( XXXX ) I XXXX XXXXheir customer service number. I was told there billing department would be calling me back, which they did. This number and website appeared to be legitimate. The caller instructed me in steps to set up the refund which was to happen in Zelle. There were a lot of steps that first involved Zelle and then XXXX gift cards. There were three different Zelle transaction totaling { {$580.00} }. I questioned several times the legitimacy of what was being asked and was assured this was indeed XXXX and that I would be getting the refund. I never got the refund. However, I include here the website, phone number and name of the individual that until last check, were still online.
Product: Money transfer, virtual currency, or money service

During the early-morning hours of XX/XX/year>, I initiated a XXXX payment for {$80.00} to my mother using Truist 's XXXX app. I have regularly made payments to my mother using Truist 's mobile app and XXXX in the past. When I submitted the payment, Truist 's app did not display a confirmation number like it usually does. When I went to the XXXX activity screen, it showed the transaction had failed. Since the first transaction failed, I then initiated another XXXX payment to my mother for {$80.00}. The same thing happened ; I received no confirmation message, and the XXXX activity screen showed the second transaction had also failed. I figured that Truist was having some sort of glitch and went to bed. 

Later that day, I initiated a third XXXX payment to my mother for {$80.00}. This time I received a confirmation message like I usually do. When I viewed the XXXX activity screen, the XXXX initial transactions were still showing " failed '' while the third was showing as having been processed. 

During the evening of XX/XX/year>, I was reviewing my Truist checking account activity and I saw XXXX debit charges for {$80.00}. When I went to the XXXX portion of Truist 's website, it clearly showed that XXXX of those XXXX charges had failed. I called Truist to report the problem and provided the same story above. They told me they would open a case to investigate and told me they would send me a form in the mail that I would need to complete and send back to them. They provided me with XXXX XXXX XXXX. 

Today, I received the form in the mail instructing me to answer questions such as " Has the client given permission to someone else to use this card? '' and " Does client know any possible suspects? '' I'm disputing erroneous XXXX payments that failedthere was no card involved, and the only suspect in this incident is Truist Bank. 

I've attached the letter and screenshots of Truist 's website I captured on XX/XX/year> when I first contacted them to report this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Credit reporting or other personal consumer reports

After my first complaint and the company 's response ( assuming they've fixed the issue ), I requested my report as per usual. I've sent them my proof of address and I still have not received a report. They said they can not authenticate me but, they have already sent me a report to my physical address. Please actually review the attached documents before replying including your report sent to my physical address. Ive filed taxes at this address nd have had jury summons etc...
Product: Student loan

I have Mohela as my student loan server. I was given a monthly payment of just over {$8.00} due to my IDR. I was also given a payment of {$340.00}, I have contacted them several times due to inconsistencies. I was approved for my IDR and given the low payment only to be emailed my higher payment is due. I have emails from them showing the different amounts. I am EXHAUSTED from dealing with this company. I emailed them AGAIN last night, however every time I log on my payment is different. Their emails show different amounts. Who do I contact to deal with this? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant seem to get through to a human on the phone so going this route to hopefully get this resolved. There is an inquiry still showing on my report that was not authorized by me as the consumer. It is preventing me from being able to use my credit. I demand they be removed immediately because they go against my rights as a consumer to report inaccurate & fraudulent information on my report.. XXXX XXXXXXXX XXXX Thank you for resolving this matter promptly
Product: Debt collection

The company name is Pinnacle Recovery. The latest call came through XX/XX/XXXX at XXXX and again at XXXX. The robo call comes from XXXX and says to call XXXX. 
The company is calling repeatedly trying to reach XXXX XXXX for a debt that she apparently owes. This person does not live here. 
My husband and I have had the phone number since XXXX and no XXXX has ever been associated with our number. I called the number and told them to stop calling as the person has never lived here.
Product: Payday loan, title loan, personal loan, or advance loan

Over whelmed with loan with ridiculously high rate
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment remarks by XXXX XXXX XXXX  and milestone Mastercard without consent. They need to be removed for privacy reasons.
Product: Mortgage

I paid for an appraisal and never received it. When I went to cancel the appraisal a couple days later link sent to us XX/XX/2021 XX/XX/XXXX I requested to cancel appraisal and switch lenders no further correspondence about this occurred until I reached out to the finance office other than trying to get me back on board with XXXX XXXX Taylor Morrison Home Funding , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX Here is my contact after I submitted payment XXXX XXXX Client Coordinator XXXX Taylor Morrison Home Funding XXXX XXXX | XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I spoke to someone at the office I believe his name was XXXX XXXX XXXX ) he called me back after I left a message since I could not reach anyone regarding where said appraisal was or refund he said they show no record of the appraisal being completed
Product: Checking or savings account

I made XXXX scheduled ) a payment from my Firstbank checking account amounting {$27.00} for paying my XXXX credit card. Firstbank reversed the payment although there was enough balance on the checking account to proceed with payment. XXXX is now charging me {$25.00} as payment returned fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. XXXX accepted my authorization and said they would continue with the complaint and I have not received a response yet. Experian said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely distressed at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 hard inquiries on my credit report that is reporting negative and inaccurate information and I have disputed the information with the credit bureaus several times and they have said that the information has been verified. One credit bureau had deleted all of these hard inquires because the creditors could not provide verifiable proof or documentation that these hardinquires belongs on my credit report. So, if all information reported to each bureau should be uniformed and consistent, I dont see how each of you can be reporting something entirely different on the same issues. I am now asking you to provide me the documentation of how your credit bureau verified these hard inquiries on my credit report. If you can not provide these documentation you must delete these items from my credit report immediately. I expect your credit reporting bureau to follow the law that speak to this issue.
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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry that appears on my credit report. I have no recollection of authorizing this inquiry and believe it to be erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXXXXXX XXXX XXXX. XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.