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

After pulling my most recent credit report I notice an entry from an insurance company I have never used. I believe this to be XXXX and should be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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
Product: Debt collection

First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on permanent XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.
Product: Credit card or prepaid card

My name was attached to a business credit card account I had with Discover Bank a few years ago. Unfortunately, the business failed, and we were forced to file a Chapter XXXX bankruptcy back in 2015. This Discover account was included in that bankruptcy, however the bank continues to report this as an unresolved debt on my personal credit report. I have disputed this account several times with XXXX, XXXX, and XXXX XXXX, but Discover will not allow the account to be updated properly. I have also contacted XXXX XXXX  directly on numerous occasions to correct this matter, but Discover just keeps telling me to " call back later. There is nothing they can do about it right now. ''
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

XXXX XXXX XXXX Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXX XXXX Account number XXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 theconsumer, 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 consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( 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. 

Show me written evidence that XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Product: Debt collection

On XXXX XX/XX/XXXX, a balance transfer of {$2500.00} was transferred from CITI Cards, PO Box XXXX, XXXX XXXX, SD, XXXX to XXXX XXXX. 
CITI XXXX has never acknowledged the payment and has continued to extract payment from my bank account using a forged document until a stop payment was issued in XX/XX/XXXX. Since then they have attempted to collect the debt using such tactics as phone calls, reports to the Credit Bureau and a notice of assignment to a collection agency. 
A subsequent investigation of the original debt revealed the following : XXXX XXXX XXXX XXXX ( Replacement of Roof ) Date of Sale XXXX XXXX Job No. XXXX Initial Payment {$2800.00} Final Payment {$6700.00} Total Price {$9500.00} The final payment ( online ) was in XX/XX/XXXX. 
On XXXX forged Check XXXX was issued by this company for the amount of {$570.00}. Thereafter, checks numbered from the series XXXX have been used to collect payment, This is evidently a scheme targeted people who do not keep close controls on their bank account. 
The totals to date : 60 transactions {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX advanced causing me to lose my job and file for XXXX ( which still has not been approved ). I advised XXXX on my conditions and a forbearance agreement was animated on my account sometime in early XX/XX/2017. Ultimately I was forced into bankruptcy. XXXX was aware of my bankruptcy proceedings. shortly after my bankruptcy was XXXX I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this poppycock. 1st the XXXX of a private school loan not being XXXX in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does XXXX get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to XXXX  it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked XXXX on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to XXXX and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to XXXX that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? XXXX has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO XXXX ITS CITIZENS?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Names
Product: Mortgage

Received home loan statement/bill ( due XXXX ) - {$330.00} higher than expected. Called mortgage company ( Roundpoint/Embrace Home Loans ) : advised that {$4000.00} was removed from escrow acct ( now in the red ) for " supplemental tax '' and that my monthly payment will be {$330.00} higher until paid back. Mortgage company unable to tell me ( with proof ) what this tax is for. Have received XXXX different answers : Call # 1 : Due in advance for impending prop tax raise for XXXX XXXX # 2 : Tax owed to town for road work Call # 3 : Back-taxes owed on my home at purchase that " sellers refused to pay '' **Called town tax office after each call above - they confirmed ALL of the above info to be NOT VALID OR ACCURATE in any way. ** Call # 4 ( supervisor ) : Agreed with call # XXXX that it is back-taxes owed ( she appeared to be purely speculating however ) I have sent them a copy of the XXXX form proving nothing was owed on my home at time of purchase and all taxes were paid up-to-date. 
Mortgage company UNABLE to explain and prove what the " supplemental tax '' was for and why {$4000.00} was removed from my escrow account and where it went. 
Opened dispute with their tax dept on XXXX at time of providing the XXXX form. 
Have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX 

I have not applied for any cards with us bank and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
Product: Credit reporting

They fail to send proper notification of how they are able to verify info on my report as accurate. I contacted these companies listed on my report as fraudulent and they still fail to remove them or even furnish paperwork stating that these are valid inquiries. There are multiple inquiries on my account for things I never applied for and they failed to investigate and furnish any proof that it 's valid. I 've called and asked multiple times to either delete the inquiry or furnish proof of valid cause they fail to do both this is a violation of my rights.
Product: Debt collection

Progressive insurance put me on debt wrongfully I did not apply for progressive insurance at first place. My XXXX XXXX has had that insurance, never receive mail or bill on my name from them. It is illegal to have this charge under my credit report or my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education 's Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be XXXX in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from TransUnion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is XXXX. I sent a complaint on XX/XX/XXXX to remove Accounts : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00} that is UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints. I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, TransUnion has not completed the investigation. XXXX failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )...
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXXXXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXXT is fraudulent on my credit Acct # XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX on my credit Acct # XXXX is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights un 15 Usc 1681 and Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below to removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these account. 

Dept of eduXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian'sinaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

The tradelines listed were not opened by me. And i've submitted an identity theft complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XXXX  is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.
Product: Checking or savings account

It has been 3 days now since I have received my direct deposit, my money is being held from me & I am not happy about it at all, the money I am owed has NOTHING to do with the bank, all they had to do was deposit MY hard earned money INTO my account, & they failed to do so 3 days in a row, therefore they are withholding my own funds from me & its leading me to write this complaint.