23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail to Transunion on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX regarding identity theft on my consumer report. I'm not working with any agency or anyone I've spent the last XXXX educating myself to take bank my power. My father and my son have the same name as me so I'm not sure if our files are getting mixed up or what, but I have never been to college! I provided a copy of my report, signed and sworn notarized affidavit, FCRA 605 law copy, id and bill to identify myself provided documents to support my claim. You responded stating my accounts were verified and no block would be honored. Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U. S code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exist. This company continues to violate me by continuing to defame my character by reporting false inaccurate, unverifiable information. This is now Aggravated Identity theft, and in accordance with the Fair Credit Reporting Act the following accounts is a violation of my rights. If you can not provide the PROMISSORY NOTES with my wet signature as proof of verification then you have NO PERMISSIBLE PURPOSE to report, so without this information this is a Violation of 15 US Code 1681a ( e ) and the inserted accounts must be deleted from my consumer report. 
US DEPT OF EDU ACCOUNT # XXXX {$9100.00} US DEPT OF EDU ACCOUNT # XXXX {$17000.00} US DEPT OF EDU ACCOUNT # XXXX {$3200.00} US DEPT OF EDU ACCOUNT # XXXX {$3800.00} US DEPT OF EDU ACCOUNT # XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within XXXX  days.
Product: Payday loan

The company Cash Central called me on XXXX/XXXX/15 at XXXX California XXXX. It is against policy that they call that early,.
Product: Checking or savings account

The CD ( amount XXXXXXXX XXXX  ) at BMO Bank was closed on XXXX XX/XX/year> and the funds were supposed to be transfered to my checking account at BMO Bank. 
However the funds are not yet available and the customer care/ Banker at BMO keeps telling me they had some issues on their end and it should be available tomorrow. 
Tomorrow never comes and it has been 1 week already, so I am really worried about my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Student loan

DEPT ED/NAVI {$1600.00} DEPT ED/NAVI {$2200.00} DEPT ED/NAVI {$7000.00} DEPT ED/NAVI {$3900.00} DEPT ED/NAVI {$4600.00} DEPT ED/NAVI {$2600.00} XXXX {$1300.00} Fraudulent student loans were acquired in my name. Im a first time home buyer. I just found this out last month on my credit Report. These have. Even hurting my score for some years now. In which I had no knowledge. 

XXXX is also a Fraudulent account that was acquired in my name. Now knowledge of this XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Mortgage

XX/XX/XXXX i receive a notification from Round Point that there was a problem with the insurance on my home Round Point had bought the mortgage in XXXX of XXXX and did not notify the insurance company of their purchase of the mortgage so the billing and payment were not sent At this time I immediately called my insurance company and a new binder was sent to Round Point to remedy this situation I received my bill from Round Point this month and the payment had increased XXXX dollars per month I immediately called the company and spoke to the representatives They informed me that the escrow had changed because of the insurance The representative XXXX had told me that my insurance had not been paid and that round point had placed forced insurance on me I asked why this was and they stated that they had changed address and never received the bills from my insurance company so they were not paid The representative stated that they had called my insurance company and had not heard from them They also stated that they had sent me letters They also claim they made 1 call but I never received this call This all supposedly happened in early XXXX They also state that they sent a letter but I do not remember ever seeing a letter Admittedly at this time I was recovering from XXXX XXXX and my brother in law died suddenly and we were occupied with those affairs At no did my bill change for the mortgage The bill was paid each month in full on an automatic payment along with an additional amount in case any escows changes The first I have heard of the insurance is when I called after receiving my XXXX bill Round Point placed the forced insurance on the account at a cost of XXXX dollars The cost of the insurance through my insurance is XXXX dollars This can only be considered predatory I spoke with the representatives and the company refused to refund this money despite the customer service reps stating that the problem was caused by round points change of address and not notifying my insurance company The company stated that I had had that insurance on my property for 222 days i did not know because there was no change in bill and no other attempts were made after making no contact in XXXXI offered the company XXXX dollars which would have been the cost of the insurance if they notifications to either myself or my insurance company were received and they refused charging my escrow account over XXXX dollars
Product: Checking or savings account

I filed a XXXX and XXXX  clain on XX/XX/XXXX through Arvest bank account insurance. I called on XX/XX/XXXX because I could not get into my online account and they told me they were closing my account. They did not have a valid reason for closing my account. That same day I received a letter in the mail requesting additional information for my XXXXXXXX claim. On XX/XX/XXXX, a letter was sent out by Avest declaring they are clsoing my account. It appears that they are closing my account because I filed an insurance claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give XXXX, Equifax, XXXX written instruction
Product: Credit reporting or other personal consumer reports

Wrote to dispute the validity of items reported pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires the credit bureaus to verify the validity of the item within 30 days. If the validity can not be verified, the credit bureaus are obligated by law to remove the items.
Product: Consumer Loan

XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015.
Product: Debt collection

I reached out to Americollect to Dispute a recent collection they had sent in the mail. I asked for the following on XX/XX/2023 : 1. The Original Contract : *Please provide me with a copy of the original contract between XXXX XXXX XXXX and myself. This contract should bear my original signature and should outline the terms and conditions of the debt. 

XXXX. Proof of Debt Assignment : I require written proof that this debt has been assigned or transferred to your agency. This documentation should demonstrate the chain of custody and confirm that you have legal authority to collect this debt. 

XXXX. Payment History : Kindly provide a detailed account of the payment history related to this debt with the original creditor. This should include all transactions, charges, and credits associated with the account. 

On XX/XX/XXXX, I received a letter that included only the payment history. I reached out to the company again requesting the missing information on XX/XX/2023. I received a response back on XX/XX/2023, that indicated that Americollect verified the information and that my claim was frivolous or irrelevant, but I didn't receive any of the information that I had previously requested. Which is why I am filing the claim.
Product: Credit card

I was sent a preapproval letter from Verizon for a Verizon card from Synchrony Bank promising a discount on my bill. I signed into my Verizon account. Applied for the card through the Verizon site. I have a VERY high credit score but was denied with the reason, " High risk source of application ''. 

I called and was told to reapply. Again denied. This time due to XXXX applications within XXXX days. 

So, Verizon sends a preapproval letter, I get rejected. Told to reapply and get rejected again. Bait and switch, unfair and deceptive business practices by both Verizon and Synchrony. 

All of this may have lowered my credit score.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused.

TD BANK USA/TARGETCRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to keep inquiries and accounts on my report that should not be there. I have sent in dispute reports and information validating my claims yet and still they continue to be there. The current items continue to remain on my report and I would like to have them removed asap. Please and Thank you. 

Inquiries : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX- XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX Late payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts that don't belong to me : XXXX XXXX XXXX XXXX
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. 

Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX. XXXX XXXX # XXXX, Account name : 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 an 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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit card

I was shifted from our debit card/bank account for PayPal purchases to PayPal credit without my knowledge. We were since charged late fees on a {$45.00} purchase ( which should have come directly out of our debit account ) for a total of {$110.00}. We are seeking to have all charges except the purchase price refunded.
Product: Mortgage

Movement Mortgage LLC was disbursed home owners insurance check for XXXX. XXXX has been released after weeks of phone calls and no show, no contact with inspection company. Inspection must be done in order to release funds. XXXX returned phone call last week and put in a direct call to inspection company XXXX XXXX XXXX XXXX ). Inspection company nor mortgage company has reached back out to schedule. Thus withholding funds. I have had to use my personal savings to complete the restoration from the water damage, which has caused me to now fall behind on payments. Am requested that someone reaches out to movement mortgage to release funds that they are illegally withholding so that I can complete the work approved by the insurance company. Please also be advised I have XXXX XXXX XXXX XXXX XXXX XXXX there is black mold present due to water damage. This needs immediate attention to avoid further legal actions. Call placed today advised inspection was scheduled for XX/XX/09, but consumer, me was not contacted regarding this date. XXXX call back requested.
Product: Debt collection

I recieved a letter in the mail from PennCredit corporation, Notice of collection from XXXX XXXX XXXX XXXX for a total balance due of XXXX for service date of XXXX Which I was no longer at this address since XXXX the water should have been cut off as when paid last bill XXXX XXXXn the amount of XXXX confirmation number XXXX
Product: Vehicle loan or lease

This vehicle is currently with the co signer. Company did have my information but made zero attempt to me the primary owner, that the co signer XXXX XXXX was not paying the vehicle. 

I started to notice a pattern of alerts that my credit score was dropping at a high rate and was wondering why, since my payments were on time. 

I checked with XXXX XXXX and noticed that they repossessed the vehicle, with no attempt to contact me. The vehicle was payed again and payments were caught up Anytime this account was in delinquency do to the co owner I corrected it immediately. 

This account is in a charge off state, but payments were current. 

I request XXXX XXXX make fair changes to my account and put it back as an active account with them and take any delinquencies of my credit reports
Product: Debt collection

The following company have been sharing my personal identifiable financial information with third parties without my consent, I have sent a request to delete from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report on XXXX XX/XX/XXXX and noticed there are some hard inquiries on my credit report that do not have permissible purpose according to the fair credit reporting act. Anything furnished on my consumer report must have permissible purpose according to 15 USC 1681 B. I sent letters to XXXX, XXXX, and Equifax to investigate the matter, but they have been unresolved ( see files attached below ). Can you please investigate and delete the inquiries below? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX