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

I filed a complaint with Experian requesting them to remove a name that is incorrectly reported to them my official name as it is on my NC drivers License should be XXXX XXXX XXXX. 

One of the incorrect names on the report is XXXX XXXX, I informed them that this was the incorrect information and they sent back that they would not be removing the information, that is the information that is sent to them from another but I would have to contact Experian to be able to contact the source and they supplied me with a number. 
Just because a source gave them the name does not mean that they took it correctly, Experian thinks they are always right and it is my right to have the correct information on file. I think I know what is correct and they act like that I am trying to remove something that is illegal or illegitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request to all XXXX  and Equifax regarding the removal of addresses that do not belong to me, I have asked them to refer to my Drivers license as well as my local XXXX bill in order to request that all addresses that do not belong to me be removed and permanently deleted from my report. They continue to answer that creditor ( unverified creditors at that ) are reporting this address and thus the will not remove it. How is it possible that an unverified creditor be reporting an address on my report, isn't that a direct violation of my civil rights under the FCRA? Why are credit bureaus allowed to electronically receive this information without proper verification and why are those unverified accounts still there? Who will hold bureaus accountable for their errors? Their loyalty seems to be geared more towards the creditor than towards the consumer and that isn't fair at all.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Mortgage

This money is sitting on an account at Specializing Loan Servicing since XX/XX/XXXX Account # XXXX Routing # XXXX XXXXXXXX XXXX # XXXX ( my account number ) I had called the mortgage company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoked to XXXX, XXXX, XXXX and XXXX. in the XXXX of XXXX XXXX. Also spoked to their XXXX XXXX. numerous times, and left numerous messages. And still the money is sitting in their account for more than a month. Please help me to resolve this issue. I am disable single father. Below a copy of the XXXX email. 


Application ID : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX We are writing to inform you that the payment below has been issued as part of your New York XXXX XXXX Assistance Fund ( XXXX XXXX ) award. The amount disbursed to the entity below is {$8100.00}. 
The following payment was made : Specialized Loan Servicing LLC XXXX XXXX Clearing {$8100.00} XX/XX/XXXX If your XXXX XXXX award includes multiple payments, they may not all be issued on the same date. You will receive a separate notification when each payment is issued. You will also receive a notification to confirm once all payments have been issued and your case is complete. If you have any questions about this payment, please contact us at XXXX ( XXXX ). 
Sincerely, New York XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

Comenity Capital Bank advertised to apply for a credit card through a merchant called XXXX XXXX XXXX through a program called XXXX XXXX '' and receive a discount on my order in the same amount as the sales tax I would be charged ( 7 % ). The offer says it can be used immediately upon approval. I applied, was approved with a {$7200.00} credit line, and the card added to my account. However, Comenity Bank kept declining the {$220.00} charge. I contacted the Merchant who said I had to call Comenity Bank ; I called Comenity Bank which said I should call the merchant again ; and then I called the merchant which again directed me back to Comenity Bank. Bottom line is that I was not able to use the card, and but for the false advertisement that I could use the card immediately, I never would have applied. As a result, I now have an unnecessary inquiry on my credit report which can not be removed, and did not receive the {$15.00} discount I was supposed to receive for placing my first order after being approved.
Product: Credit reporting

I need my credit report updated with all my information because everything has been paid through my Chapter XXXX Bankruptcy case XXXX. XXXX Tn
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX XXXX XXXX 8 XXXX 9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 unauthorized fraudulent inquiries that I have been trying to get off my Transunion credit report for the past 2 months. Transunion has been disregarding my disputes and also have been saying that they think I'm using a 3rd party. I have attached my last letter I sent out in XXXX which includes my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer who is protected by the FCRA which was writtien by congress. I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable.I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ) .Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got hit with New Inquiry from XXXX which I noticed XX/XX/XXXX on my XXXX online account. I called XXXX to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my Experian and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini Trust Company , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) on XX/XX/2021, provided all the verification IDs, etc. They linked my bank acct and on XX/XX/2021 I was able to ACH funds ( {$5000.00} ). I was able to repeat the process 2 more times ( both {$5000.00} each ) once each on the following days without Issue. On XX/XX/2021 I made a purchase without Issue. Then again on XX/XX/2021 I placed a XXXX XXXX order on the XXXX platform. On XX/XX/2021 I received a message stating that " We've frozen your account Your Gemini account has been deactivated. Please contact Gemini support '' which I did immediately. Asking why the account was frozen in order to rectify things and to not do the same mistake again. I received a standard robo-generated response " We have received your request! - Problem with Account, XXXX '' without any other details. I tried to cancel my XXXX XXXX order. but was unable to do it. The order was later fulfilled on XX/XX/2021. On XX/XX/2021 I responded to my 1st email asking basically the same question. No response. I have patiently waited for some resolution and it has now been 15 days since the account was frozen. On XX/XX/2021 I sent another request email to the original email and have not received a response. I want this issue resolved and I want to remove my funds from Gemini. I did not realize how many people have had the same issue with Gemini. I should have checked prior to trying to do business with them. I have learned my lesson!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX consumer, am submitting this communication as a formal notice to cease your unauthorized hard inquiries listed on my credit report and a formal demand that you immediately contact the credit reporting agencies and ANY 3rd party , to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiry removed : 1.NAVY FCU To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I had filed a dispute about a year ago and never heard back from capital one regarding the outcome of my dispute, they had my information wrong and the balance amounts. 
After contacting customer service, requesting the results, I never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

I entered a Service Agreement with Ameritech Financial on XX/XX/XXXX under the pretense that I would be enrolled in the Public Service Loan Forgiveness Program and my student loan debt would be forgiven after 120 qualifying payments. They explained to me that {$200.00} would be debited from my bank account on XX/XX/XXXX as well as {$200.00} for the next 9 months to pay for the Program with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. After those 9 months, I would be debited {$99.00} for the remainder of the program. 

I took out a loan under my name and a second one under my father 's name to cover tuition cost at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon graduation, I began paying back both mine and my father 's loans so it grew very expensive for me. I received a notice in the mail claiming Ameritech could help reduce my loans, so I called and we are now here. 

I regularly check my account and my father 's account on XXXX website and the principal amounts have never been reduced after starting our plan with Ameritech. I even began paying interest on my father 's loan in XXXX as we are enrolled in the income-based/contigent repayment plans. I am very concerned about this current lawsuit against Ameritech and it how affects me because I was counting on making those 120 qualifying payments for my student loans to be forgiven. I can't believe I've been paying {$99.00} towards my account and {$99.00} towards my father 's account monthly since XX/XX/XXXX and it has all been for nothing. I am not sure now if I even made any qualifying payments and I can not afford to start this process all over again. I would really appreciate any help or guidance you could provide me. 
Thank you!
Product: Debt collection

I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by XXXX to NATIONAL CREDIT ADJUSTERS ( NCA ), despite my explicit decision to opt out of such disclosures. On XX/XX/year>, I submitted an opt-out request to XXXX as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties. 2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions. 3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request. This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit in attempt to purchase a home and found a collection on XXXX  from Fair Collections & Out for {$9200.00}. This debt is not mine and I have repeated disputed and requested documentation that this account belongs to me. Each time the dispute is closed as fair under the FCRA. 

I have even submitted letters asking for documentation that this account belongs to me, I have not received a response and I um unable to have this deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

For nearly 10 years, I a federally protected consumer has been violated due to the unauthorized reporting of my personal financial information related to a bankruptcy discharge that has been listed on my consumer reports. 

Per the XXXX Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( link is external ), XXXX ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with  XXXX  and TransUnion.

  XXXX   XXXX   XXXX   XXXX   # XXXX 
  XXXX   XXXX   XXXX   XXXX   DE  XXXX 
  XXXX   XXXX   
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   
>Maximum Delinquency of 120 days in   XXXX    and in
 XX/XX/XXXX <
High Balance: High balance of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX   XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I refinanced my XXXX XXXX XXXX from Bridgecrest to a new lender. I was not aware that time but my GAP insurance was cancelled and I was owed a refund of {$640.00}. At that time Bridgecrest did not advise me of this. For an entire year they withheld the {$640.00} after my loan was no longer with them. Finally in XXXX of XXXX I received a letter indicating that if I would like to receive my GAP insurance refund I had to sign and submit the attached request. I did that and the request was processed by XXXX XXXX on XX/XX/XXXX. Last week I contacted XXXX XXXX via e-mail because it appeared that had an old address on the confirmation the sent me. They told me that Bridgecrest would be sending the check and I had to contact them. I have an auditory processing disorder so my wife contacted Bridgecrest for me that same day and the indicated they had no idea what she was talking about and told her to call back the next day to talk to the financial department. 

She waited a week to give it time to get in their system, then she called back two days ago. She spent almost 45 minutes on the phone waiting on hold. Eventually the representative told her that they had to contact XXXX XXXX. The rep contacted XXXX XXXX, confirmed that there was a GAP refund of {$640.00} that needed to be sent. The representative came back on the call with my wife and told her that the check won't be sent yet because XXXX XXXX hasn't yet notified them. Even though XXXX XXXX JUST told her that a refund was owed, so I'm not sure how almost 4 weeks later that isn't " notification ''. The rep told my wife that it could be up to another 4 weeks! 

My wife also asked about the issue of the incorrect address. The rep said that she would add a note to the file but couldn't guarantee it would be sent to the correct address. The old address is no longer forwarding my mail so if the check is sent there it will be as good as gone! 

My wife asked if the funds could be directly deposited to my bank account and the rep never really answered her question and just brushed her off and talked about the mailing date. 

In the current days of massive job layoffs and covid-related expenses, this {$640.00} would go a long way in helping my family. However, after holding on to it for a YEAR after it should have been return, it seems Bridgecrest is in no hurry to send it to me.