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

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 
XXXX - XXXX The following inquiry was not authorized and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I have tried to make online payments with Synchrony bank and XXXX the payments have not cleared because of their servers. I have have written a letter and sent to XXXX address 's disputing my additional charges and no one will contact me other than debt collectors who say they ca n't do anything about me being charged additional fees even though I have fold them all I have disputed the charges in writing, I have asked to talk to someone who can help and they say I must pay all late fees and it does not matter that I have written letters disputing the late fees.
Product: Credit reporting or other personal consumer reports

My student loans were in forbearance and in the same time period I received negative late payment errors on report. I reached out and they said it was resolved but these late payments are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that XXXX has submit a hard inquiry. I reached out to XXXX on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called Equifax ( XXXX ) back on XX/XX/XXXX from XXXX and explained what XXXX stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask XXXX for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I disputed a collection on my Transunion file # :  XXXX . The account I disputed was a collection account # :  XXXX  reported by  XXXX   XXXX   XXXX  on  XX/XX/XXXX  for the amount of {$150.00}. My reason were " No Contract ''. I have no knowledge of this debt. I have not received notification from neithe r Original Creditor nor Collector about the debt. I learned about the account via Transunion. After dispute was completed,  Transunion " verified as accurate '', however, I was never notified of debt by either company. This violates the laws outlined by Fair Credit Reporting Act and Fair Debt Collection Act. Also, during the dispute process, it never reported the account was in dispute or deleted. It remained on my report as it originally reported with the same last upd ate (   XX/XX/XXXX  ) until the end of the dispute process. They are required by law to delete or mark account as disputed, which they did not. And instead of just reinserting the account as it originally reported with collection agency, the collection agency or Transunion reported it a s the Original Creditor,  which is misleading and false information. Therefore, they did not properly investigate or report the account.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom this may concern, My name is XXXX XXXX & I am submitting this complaint because of a fraudulent transaction that significantly withdrew all my funds from my checking account. The bank ( Key Bank ) is now forcing me to repay all the funds & threatening to send it to collections if I dont pay in a short period of time. 

It started in XXXX of XXXX  when a fraudulent transaction was charged on my bank account. The transaction totaled {$4500.00} which was basically my entire savings. Once I noticed this transaction, I reported it as fraudulent to Key Bank. Key Bank originally was helpful and was able to refund the money to my account in a timely manner. For safety purposes I withdrew the money from my Key Bank checking account & set up a new account with a different financial institution. Weeks later I received a letter stating that Key Bank has reversed its original position that the charge was fraudulent & I owe them {$4500.00}. My Key Bank checking account is now stating a defecate of {$4500.00} & have made repeated threats that if I do not pay them, they will send the account to collections. 

Per your guidelines of submitting a complaint, I believe a fair resolution would be for Key Bank to stick its originally decision, that the charge was fraudulent & stop any attempt to send my checking account to collections which would be devastating to my credit report. 

Thank you for all your help & support.
Product: Debt collection

DEAR AFNI, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



ORIGINAL CREDITOR : XXXX XXXX  ACCOUNT # XXXX AMOUNT DUE : {$1500.00} SINCERLY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  Experian XXXX
Product: Checking or savings account

3x I am complaining since nothing has been done by WELL FARGO. On XX/XX/XXXX I deposited TWO XXXX money orders at a WF ATM in XXXX XXXX. I bought these with my debit cards next door at a post office and paid {$2.00} each. I was going to deposit cash at the branch but had to go to work and the ONE teller had 5 people on line. I put the cash in my car and used my debit cards from XXXX and XXXX to buy these 2 money orders. Somehow the next day I get a call from WF ( XXXX hours after the deposit ) that the MO are fraudulent. I said that's impossible. he said with his thick and hard-to-understand accent that I am basically a crook. My acct online said the checks are being held for 10 days to clear. Then I get a notice that my acct is being closed for fraud!!! So my account is closed with {$1000.00} in the acct which I have never received and WELLS FARGO HAS STOLEN MY XXXX MONEY ORDERS X2!!!! tHEY OWE ME THIS MONEY. it's mine. After my previous complaints to the CFPB on this matter, all I get is the standard CFBP form that WF needs more time. In the meantime, those 2 MO deposits have disappeared from my acct and I only have XXXX in it which I can not access. I did get a call from a XXXX XXXX @ XXXX ext XXXX who told me basically to shove it while she takes 10 days to look at it. I also got a call from a " XXXX ''. both people do not return my calls. Im out all this money while they decided that I commit fraud!! I get a letter today that my deposits on XX/XX/XXXX ( they even have the incorrect date, it was XX/XX/XXXX ) have been researched and I am not entitled to them. No reason for the " not entitled to them '' statement. Who decided this? What experience do they have in these situations? Not one reason has been forthcoming. I am closing copies of the XXXX money orders and the letter they sent denying my XXXX XXXX deposits. This bank has a history of paying huge fines to the US government for opening accounts for people who did not know they did this ... charging them exorbitant fees and also huge interest on auto loans. I WILL NOT BE A STOOGE FOR THEIR ANTICS. If I DO NOT GET MY FUNDS FORTHWITH, I WILL SUE THEM AND ACTUALLY SHOW UP IN COURT WITH MY RECEIPTS. I can use XXXX small claims court to start and my brother is corporate lawyer who would do this for me gratis. Show me proof of fraud. I enclose all the documents.After just checking my account online, even my XXXX balance is gone.. it shows ZERO balance!!!
Product: Student loan

Nelnet Representative : I have been unable to reach your company via phone or email due to such high volume. Please update my account to reflect my XXXX  Balance with ALL the Credit Bureaus as soon as possible. 
Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX : {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$560.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was told by Equifax consumer affairs that I placed a credit freeze on my credit account that is preventing me from accessing my credit report and score. I did not place this credit freeze and disputed it with no resolution.
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 USC 1681. 
Acoounts Name & Numbers : ( Some Accounts I Only Have Partial Account Numbers, But I Will Provide My SSN Later to help track accounts ) XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX us dept. of education # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have Violated My Rights.

15 U.S.C 1681B No Permissible Purpose 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no liability to RENTDEBT AUTOMATED COLLECTIONS for they are a third party debt collector and I have contract no with them. RENTDEBT AUTOMATED COLLECTIONS brought the debt from XXXX XXXX XXXX XXXXXXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like RENTDEBT AUTOMATED COLLECTIONS to provide me the direct contract between them and XXXXXXXX XXXX XXXXXXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX XXXXXXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given a notice or a way to out of RENTDEBT AUTOMATED COLLECTIONS and XXXX reporting this to my report.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

This company has failed to validate These accounts
Product: Student loan

On or around XX/XX/XXXX, I contacted FedLoan Servicing asking by what date I am required to complete income recertification to renew my PAYE repayment plan. I specifically used the word " required '' in an attempt to ask by when I am obligated to recertify my income to be able to remain on the PAYE plan without any repercussions. In a reply from XXXX from FedLoan Servicing on XX/XX/XXXX ( nearly a month later ), I was informed that " the best time to recertify is by XX/XX/XXXX. '' I find this to be an unsatisfactory answer because recertifying income is an obligation to remain in good standing on the PAYE IDR plan and the answer to my inquiry about a requirement should be an objective and definitive response. Instead, XXXX replied with what would be " best, '' which implies a degree of subjectivity. I was not seeking a subjective opinion on when to complete XXXX XXXX recertification, but rather fact on by when I am obligated to recertify income in order to remain on the plan. Additionally, as the obligation to recertify income happens on a specific date, I would like clarification on what that date is rather than being given an entire month. I find FedLoan 's response to be lacking clear and complete information. I do not feel like XXXX actually answered my question.
Product: Debt collection

On XXXX XXXX, 2017 I noticed that a derogatory account was added to my XXXX and XXXX  report by an agency listed as XXXX XXXX XXXX. I am in complete shock because this company has never tried to contact me or send out any letters in regards to amounts owed and debt validation. Upon research I found that this company does not have authority to engage in debt collection in Texas without a surety bond in which I did not find on the website of the Secretary State of Texas. I ask that XXXX XXXX XXXX remove negative reporting from my credit file.
Product: Debt collection

I did not live at the address or even the city of the house that they attempted to serve me at. In fact, there were squatters in the house. American Express sued me, and I did not know about it, and they got a judgment. However, I had filed bankruptcy in XXXX, XXXX in XXXX and American Express is listed. American Express put a lien on me/my property. 

There are two things seriously wrong with this. 
Above all, since this account was included in Chapter 7 Bankruptcy discharge, this is not legal. They have to remove the lien and wite it off. I am writing to you to enforce this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XX/XX/XXXX I woke up to an email that a new XXXX XXXX account had been opened up under my name Come the days to follow I began receiving numerous notifications from the credit bureaus of more fraudulent hard credit pulls. 

Ive also been unable to sign into my XXXX  account online. XXXX  emailed me on XX/XX/XXXX about an email address change on my account and to contact them if it wasnt me. Ive tried contacting XXXX and still havent received a response. I dont know why I didnt have to verify the change first because now Im still here locked out of my account. 

To date, here are the actions Ive taken so far ... 
I called XXXX XXXX  about the opened bank account immediately after I found out. They informed me they had done their part to make sure the bank account would be closed and no further accounts would be opened with my information. 

I then made sure to call and place a credit freeze as well as a fraud alert with all three credit bureaus. 

After finding more credit inquires, I called Synchrony as well as XXXX to make a report. Both companies assured me that no credit cards or accounts will be opened in my name. 

I received a letter in the mail from XXXX that mentioned they were unable to verify the accuracy of the credit information on my account, therefore not proceeding forward with the application. That letter will be attached. 

I took it to sign up with XXXX XXXX XXXX as a precaution for any further actions that may arise. Ill attach a screen shot as well from my XXXX XXXX account showing the reported credit inquiry information. 


List of hard inquiries pulled : XXXX  - Syncb/amazon ( Synchrony/ XXXX ) - Syncb/XXXX   ( Synchrony/ XXXX ) XXXX Syncb/ppextr ( Synchrony/ PayPal ) XXXX - XXXX ( XXXX XXXX Credit Card ) XXXX - XXXX XXXX Credit Card XXXX XXXX BANK ACCOUNTS XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account Reserve Credit Line Request Thank you and I appreciate in efforts in helping me through this process. 

XXXX XXXX
Product: Checking or savings account

Chase Bank has put a hold on my checking account. They want to verify my trust information. I have provided this information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Every time they say they have enough information and that the back office has to review it. Every time I went into the branch office I took my entire trust document to them. 
I have money in the account just can not write a check or pay bills on line from that account. 
I have talked to the local branch manager who seems to be trying to resolve this issue but she can only send messages I am told. She seems to think they have the documentation that they want and says they have approved it but is still waiting for the restriction to be lifted.