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

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX/XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this erroneous late payment IMMEDIATELY! 


Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.
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 : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Debt collection

I do not have a signed contract nor any contract with MIDWEST RECOVERY SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from MIDWEST RECOVERY SYSTEMS. I am not responsible for this debt with MIDWEST RECOVERY SYSTEMS. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if  you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Product: Credit reporting or other personal consumer reports

for conducting sham investigations when consumers disputed errors on their credit reports instead of the reasonable investigations required by the Fair Credit
Product: Checking or savings account

Hello, on Friday XX/XX/XXXX I deposited {$1000.00} into a TD bank ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Being as though the ATM showed the correct amount deposited I selected no receipt. As I returned home I noticed only XXXX XXXX posted to my account. I immediately contacted the branch and received absolutely no help from the representative as she stated only a manager is able to look into things of this nature, and she stated that location had no manager at all. The employee was extremely rude and shoved off my problem, as if it did not exist I later discovered that location did have a manager. She was just not in at the moment even though the representative told me they had no manager employed at that location. I then proceeded to contact TD Bank phone support and file a claim. I kept in contact with the branch and several other branches to see what could be done with the situation I received no help and no update. On Wednesday, XX/XX/XXXX the claim was denied at XXXX XXXX. there is absolutely no way that the claim should be denied as far I put in {$1000.00} inside of the ATM. The ATM was not audited before the denial of my claim. The ATM is scheduled to get audited on Thursdays my claim was denied on Wednesday from the reason stating internal research. I would like for TD to fix this mistake from their employees. As far I am positive that I put in {$1000.00} inside of the ATM and if this can not be fixed legal proceedings will occur. as a new customer with TD, I am extremely disappointed in the services that Ive been provided from customer service to the tools available. I will not accept losing {$1000.00} to a ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate this is not a duplicate my name is XXXX XXXX I'm a living breathing human being my address is XXXX XXXX XXXX XXXX XXXX South Carolina XXXX my phone number is XXXX is it complaint is against Experian on a file XXXX they have launched a consumer statement on this account with and was never asked to do so they have fraudulently included this statement on my account for everyone to see and put words in my mouth that I did not tell them to that is an illegal move from a cra I would like to have this removed or else I'm going to call law enforcement not the FTC law enforcement because you can not legally place anything on my credit report saying that I said it if I did not I did not tell them to place this therefore it is illegal for them to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the Federal Law. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.
Product: Mortgage

I called back in XX/XX/XXXX and requested to have the PMI removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest ( my concerns via phone ). Later I told them that I had filed for BKXXXX and was one payment behind and would like to see if a modification was possible and they conveyed optimism to me that this would be possible. after I submitted all the information they came back stating that all alternatives were denied except a short sale or deed in lieu which is not an option because I am only behind one payment and need to keep my home. I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused by phone to investigate the unauthorized hard inquiries. The two from XX/XX/XXXX were removed but has re-appeared. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Finance ) XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Dealer ) XXXX XXXX XXXX XXXX /Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) XXXX XXXX Inquiry Date : XX/XX/XXXX. ( Bank Credit Cards ) I have not made Credit Applications or authorized inquiries to any of these companies. I ask for Equifax to do the honorable thing and remove these from my credit report. Thank you. XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I took out a student loan XX/XX/1993 with plans to go to XXXX school. I was never able to attend. Since then I have been through XXXX chapter XXXX bankruptcies. My student Loan is through Navient. I am unable to pay. Beginning about 6 months ago, they began calling me several times a day. Since then I have told them verbally to cease and desist contact. I have sent two ( 2 ) separates letters ( each sent certified mail ) demanding they cease and desist. The calls stopped for a little while but have started up again. Now they are contacting family and friends. I know this is illegal. I want all contact to cease. I want them to know if they continue I will sue for violation of the Fair Debt collections Act.
Product: Credit reporting

I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that..
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XX/XX/year>. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Experian and they continuously report this fraudulent account to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Vehicle loan or lease

I was stranded in XXXX during the beginning of the XXXX pandemic. I had my vehicle parked in the economy lot of the XXXX XXXX XXXX. When I was finally able to return to pick up my vehicle, I was unable to pay the parking fees as they were exorbitant. 

I attempted to work with both the parking authority and the bank that I received the loan from, but neither would offer any assistance and were entirely inconsiderate of the unprecedented situation that occurred due to the XXXX pandemic. 

Eventually, even though I was maintaining payments on my loan and making all possible attempts to retrieve the vehicle, the bank decided to repossess the vehicle, and I was forced to default on the loan. 

After the vehicle was repossessed, it was then sold through an auction, and the proceeds from the sale were applied to the remaining balance of the loan. However, they then added the cost of the parking lot fees to the balance of the loan, and have reported it to credit bureaus as a delinquent account. 

In summary, due to unprecedented circumstances surrounding this situation as a result of the XXXX pandemic I was forced to relinquish possession of my vehicle in a manner which seemed unjust. Furthermore, after having the vehicle repossessed without any recourse, I have had my credit score damaged due to what was, again, an unprecedented situation that affected billions of people worldwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXi XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g.

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX XXXX  Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Checking or savings account

On XXXX, XXXX, on 4 different occasions, money was debited out my account and without my acknowledgment! Totaling close to {$800.00} and I made a dispute with Moneylion and was told to fill out paper and return. While o been sending them my paper every day and they are stating they cant read it, cant open it, etc for 3 weeks now. I sent it every way possible, now Im starting to believe they took my money! 
While my claim is active, I was still having money taken from my account, even with everything being locked. This is a huge issue, on their part, because theyre featured isnt working! I just want and need my money back ASAP!
Product: Debt collection

To Whom it may concern, I recently challenged the validity of CREDIT ACCEPTANCE CORPORATION # XXXX ( Collection ) account thats being reported on my most recent credit report. 
Upon challenging this, XXXX  ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. 
If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to Transunion and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 Informative XX/XX/2019 Thank you in advance
Product: Student loan

I believe I am XXXX of the debtors that Navient has " systematically and illegally '' failed. 
I have been paying back my student loans since 2010, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with a dispute for consumer reporting agencies- XXXX, Equifax & XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).
Product: Mortgage

1. On XX/XX/XXXX, the properties next door to my cabin, homes # XXXX & # XXXX XXXX XXXX, XXXX XXXX, California were foreclosed upon by XXXX XXXX. 
2. At that time, XXXX XXXX, the real estate agent hired by XXXX XXXX assumed that my house at # XXXX XXXX XXXX should be included in their foreclosure. She evicted my tenant and refused to consider that I had a different loan on that property, that I was current on that loan and that the lots were different. My tenant was even offered {$5000.00} to vacate the premises immediately, which he did at the end of XXXX. He did not receive the {$5000.00} and was very upset with me. 
3. I appealed to the foreclosure company XXXX XXXX, and they wrongfully reported that my property should be included in the foreclosure. 
4. I had to hire an attorney. I was unable to rent my property because of the eviction and the foreclosure hold on it. I fell behind on payments, insurance, taxes. 
5. My loan was a negative arm loan with XXXX that had been taken over by XXXX  XXXX XXXX. With all the missed payments, it ballooned and eventually added up to over {$130000.00} in additional fees, escrow and penalty costs. 
6. I eventually obtained a settlement with XXXX and the foreclosure company XXXX XXXX. But I didnt know how to get my propertys loan back to where it was before the wrongful foreclosure and that deferred principal has been attached to it ever since I modified the loan with your company in XX/XX/XXXX. 

RESPONSIBILITY OF MY TITLE COMPANY & XXXX ' I had purchased the XXXX  cabin at XXXX XXXXecond XXXX in XXXX XXXX though a construction loan with XXXX XXXX in that town. Once the remodel was done, I refinanced the loan into a regular loan with XXXX. It appears that the title company involved in the refinance was Stewart Title. 

Then came the wrongful foreclosure by XXXX XXXX described above. My Title Company obviously did not protecte the title of my property during the wrongful foreclosure by XXXX XXXX. This started a series of events that have pretty much robbed me of my property. I have just learned this fact although I have been trying to right this wrong for decades. WHY DID STEWART TITLE NOT PROTECT THE TITLE TO MY PROPERTY??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has been falsely reporting Mrs. XXXX 's mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXX XXXX XXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.