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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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 or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I reached out to Phoenix Financial Services LLC, about medical charges added to my credit report. As I was trying to get accurate information about myself, they have, they failed to identify me. The company was supposed to send me a letter validating the debt I supposedly owed. The company failed to do that, and we were not able to reach a decision. Based on my information, this debt is not valid, nor does it belong to me. Under the fair credit act, they are supposed to identify me and prove that this belongs to me. They failed to act in such a way, this debt was supposed to be removed from Phoenix Financial Services last year. I reached out many of times, this is why I had to resort to filing a complaint.
Product: Money transfer, virtual currency, or money service

Despite using zelle numerous times and reporting discrepancys my financial institution and and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and couldnt be track the transactions. They neglected to protect consumers and allowed these things to keep happening. They left me vulnerable to scam many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is supposed to protect my rights. I am making complaint hoping that this issue can be solved. INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - AN # XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Opened an online savings account with Capital One Bank. My XXXX mother is the primary on the account and I am a joint account holder with her. I manage her financial affairs. This was done on XX/XX/XXXX and the initial deposit was funded by an XXXX debit to a XXXXXXXX XXXX  account already linked to her existing credit card account. I can see this account on my Cap One mobile banking app, but it is blocked from transacting. My mother 's online access has been completely suspended. Over the course of the last XXXX weeks, we have made every effort to provide Cap One with account owner verification- sent a copy of my mother 's driver 's license to Cap One. She confirmed that I am an authorized joint account holder. At that point they said they need to confirm the funding bank account with XXXX. That was a whole different odyssey that got us nowhere. I ended up going into a XXXX branch and secured a written account verification from the Asst. Bank XXXX. I called Cap One back earlier this afternoon ( XX/XX/XXXX ) to say I had the XXXX XXXX. I was met with unyielding resistance that I could not be spoken with, despite the fact that only a week earlier my mother verified her identity and authorized me to transact on her behalf. She is XXXX XXXX XXXX and does not understand why this has taken so long, been so hard and is yet to be resolved. I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but am at a loss for words as to why this simple, low-risk transaction is being met with so much resistance to common sense. I have resorted to requesting that the funds be returned to the originating bank and this new account closed ; only to be told that's not possible. At the end of the day, this is not a great sum of money, but it's important to my mother such that I felt the complaint route was warranted. I have been in XXXX XXXX XXXX XXXX XXXX and have never run into this draconian kind of treatment and I want this situation resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and request the immediate blocking and deletion of all accounts associated with my personal information. 
Specically, I am requesting the removal of the following fraudulent accounts from my credit report : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$4000.00} Status : Open ( updated XX/XX/XXXX ) XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Education Date Opened : XX/XX/XXXX Balance : {$4100.00} Status : Open ( updated XX/XX/XXXX ) XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$5300.00} Status : Open ( updated XX/XX/XXXX ) In accordance with 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts, along with any related fraudulent information, be blocked and deleted from my credit report. These accounts were opened without my consent, and I am exercising my right to have them removed from my records. 
Please take immediate action to block the above accounts and any related inquiries from my credit report. Additionally, kindly provide written conrmation that these actions have been completed. Should you require any further documentation or verication, please let me know, and I will provide it promptly. 
I expect to receive written conrmation from Equifax that these actions have been completed within the time frame outlined by the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Date of Birth : XXXX
Product: Debt collection

I am writing to express my EXTREME FRUSTRATION, DISAPPOINTMENT, AND ANGER regarding the continued reporting of fraudulent accounts on my credit report. Despite repeated requests for removal and clear evidence of identity theft, your bureau has inexplicably ignored these removal requests, allowing these fraudulent entries to persist and tarnish my XXXX The fraudulent accounts on my credit report not only jeopardize my financial standing but also cast doubt on the integrity of your credit reporting processes. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I have submitted numerous requests to remove these fraudulent accounts, providing documentation and evidence of the identity theft. Yet, these requests seem to have fallen on deaf ears, as the inaccurate and damaging information remains on my credit report. This negligence and disregard for my rights as a consumer are both unacceptable and infuriating.
Product: Vehicle loan or lease

I applied for a loan for an ATV with XXXX XXXX XXXX XXXX in XXXX XXXX  and XXXX. They passed my credit app to Lendmark Financial. After I submitted Income and my buyers order they said they would get back to me. My first complaint is that XXXX XXXX, the rep I was dealing with could not explain the disconnect on the total price and debt to income disconnect. Turns out she was adding in a {$1500.00} warranty and all of Lendmark 's ancillary products without asking. I had to press her on this and she reluctantly removed them. She could then not explain why I did not qualify with the new payment amount. She stated I was 55.6 % DTI. She clearly stated that 55 % is there max which in the finance world is everything 55 %, not a decimal more. Her numbers were wrong. I did the math and I was at 54-53 %. She was flat out lying, trying to make room for add ons. When they actually received my income it was even more than expected and I qualified in every regard. She then called me back and said that I didn't qualify because I had some credit card accounts that have been paid through a credit consolidation company for over 2+ years. I have never once missed a payment on any bureau. I searched their website, and terms and found no explanation stating that was a reason for denial. Furthermore the consolidation company excludes major installment purchases in their terms. This is a flat our way to discriminate against a qualified applicant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXl, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Disputed an item on XXXX  website in XXXX and XXXX. It still remains on my credit file as verified. I have no know knowledge of this account
Product: Checking or savings account

In XXXX I cancelled my XXXX membership which is similar to XXXX through XXXX I was charged {$99.00} on XX/XX/XXXX. After going back and forth with XXXX, I reached out to USAA. We have been with USAA for well over XXXX  years. A dispute began to receive my {$99.00} back. 
In XXXX, I received an Email that was in the merchant 's favor - however, when I log onto the Merchant 's website and into my account, it tells " me I'm NOT enrolled into a service I have now paid for. So I " disputed the dispute. '' Fast forward ; it wasn't actually submitted - my error because I submitted documentation on my XXXX profile ; not mine. I called back to check the status which is when I learned of my mistake. I sent the documents on my profile- and the rep submitted the proper documentation? I I called a while later to check the status ; and that rep said that the previous rep didn't actually submit the review. So she did. Then I called back recently again, and was told the same thing .... 
Now yesterday I received an E-mail that it was found in the " favor '' of the XXXX. HOW? I have submitted proof ; I do NOT have an account. I have sent screenshots and videos. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 USC 1681. 

XXXX XXXX XXXX  : Acct # XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX XXXX 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 : 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, credit repair services, or other personal consumer reports

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the consumer federal protection bureau to enforce the deletion of these accounts.
Product: Checking or savings account

I have been trying to open and account since XXXX but have not been able to due to them denying me because I needed to verify my identity in which I did. I went into another branch bank and had my drivers license and social faxed to XXXX and had them call them even and they still would not comply. My identity info was stolen before and I had a block on it, I had my information updated but they would not help me still.
Product: Debt collection

This company is reporting an account that was not opened or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with XXXX and Equifax. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent XXXX a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, XXXX tried to make a {$25.00} payment on said debt without my authorization.
Product: Debt collection

I am writing to formally request verification of the alleged debt associated with my name, which you have reported and are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and in compliance with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I request the following information : 1.Validation of Debt : The original signed agreement or contract that legally obligates me to pay this debt. 
2.Chain of Ownership : A full itemized history of the debt, including proof of assignment or transfer of ownership from the original creditor to LVNV Funding LLC or Resurgent Capital Services.

3.Itemized Breakdown : A complete breakdown of the alleged balance, including principal, interest, fees, and other charges.

4.Statute of Limitations : Confirmation of the date of last payment and whether the debt is within the statute of limitations for legal collection in my state. 
5.Proof of Licensing : Verification that LVNV Funding LLC and Resurgent Capital Services are legally authorized to collect in my state, including their collection license number.

6.Cease Reporting Until Verification : If you can not provide sufficient verification, I request that you cease reporting this debt to any credit reporting agencies as required by law. 

Please consider this a formal dispute of the alleged debt. Until proper validation is provided, I do not acknowledge responsibility for this account. If you fail to verify this debt, I request that you cease collection efforts immediately and remove any negative credit reporting. 

This request is being made in good faith and in accordance with my rights under federal law. Please respond within the legally required timeframe. 

Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance Owed : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my XXXX  and Equifax credit report.
Product: Credit reporting or other personal consumer reports

Owen Loan service and PHH mortgage is the same company and currently reports on my credit bureau multiple times. The multiple reports by both of these companies is negatively impacting XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not respond to open CFPB cases and an open complaint to the XXXX. Transunion for some reason will not allow me to dispute any errors on my report. So this is the only place I can come to report problems on my credit report. Currently XXXX XXXX is reporting that I have an an outstanding balance of XXXX on my account. This account has been paid in full and has a XXXX balance.
Product: Credit card or prepaid card

To whom it may concern : On XX/XX/2019 I had purchased the XXXX XXXX online from XXXX using my Citi Simplicity credit card. My purchase total was {$1000.00}. After completing my purchase I went into the XXXX XXXX located in XXXX XXXX, XXXX. I was greeted by a female employee unknown name who helped me retrieve my order. She came in from the back of the store with my XXXX and she took the plastic wrap off and turned on my XXXX. After she turned on the phone ( which I was under the impression that this was standard procedure ) and she backed up my XXXX. I didn't notice what she was doing and assumed that my XXXX was trusted to be safe with that employee. After about 5 mins she handed me the XXXX and I left the store. I came home later that night and noticed scratches to the back that was noticeable. I inspected the XXXX and immediately contacted XXXX XXXX in XXXX XXXX. The manager on duty stated to bring the XXXX in and that they would exchange it for a " refurbished '' XXXX. I explained to her that I paid for a brand new phone why would she give me a used one. After back and forth of arguing over the phone I decided to drive back to XXXX XXXX. I went into the store and the manager refused to give me new phone. I called the next day and filed a formal complaint with the XXXX XXXX in XXXX XXXX. I never received a follow up phone call. So I notified my credit card company to assist with the dispute. About 30 days past and my credit card company came back saying that I never attempted to return the damaged defective product I purchased. And the credit card company cited on the merchant 's side and would not assist me in getting my money back. I have contacted XXXX and attempted to return the XXXX with the impression that they would either give me brand new XXXX or my full refund. I will be filing a formal complaint with the BBB along with the XXXX XXXXXXXX Attorney General Office and the FTC. This is not fair that the credit company doesn't see my side of the story and disputing the charge.
Product: Student loan

Navient loan service deceived me into forbearance multiple times over the years. Quadrupling my original loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX/XXXX   XXXX {$370.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5000.00} XXXX/XXXX   XXXX {$800.00}