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

I just look at my credit report with Experian on XX/XX/XXXX. I identified some hard inquires that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must permissible purpose according to15 USC 1681b. I have also attached evidence. 


XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXXXXXX XXXX XXXX  XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX XXXX, 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

I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$420.00} AN # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : DEPT OF ED XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} 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 ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, TransUnion, and XXXX and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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: Debt collection

Different people from the phone number XXXX keep calling family members and friends, looking for me. They are asking for personal information and refuse to identify themselves or their company. They say a " complaint has been filed against me. '' All my bills are paid and are up to date. I have received no notices from anyone stating I owe them money. I want this harassment to stop. If they think I owe an debt then send me something in the mail and proof of any debt you think I owe. I found them to be debt collection agency by looking up the phone number on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Product: Credit reporting or other personal consumer reports

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. I responded to the assertion this was opened by me and valid. Never once did the creditor provide the application, or proof the card was received and used by me. They sent a letter saying the address, and phone number used on the account opening was verified as mine. I do not see how that is possible. Even the Police verified I did not live at that address. That phone number is NOT on my police report, FTC report, or letter to them. That email address is also not used by me. My email address has been open and valid for 22 years. The one used to open I have no idea whose it is. I asked for this account to be blocked and provided all the info needed. I get this letter back stating No we will not and it's back on your file. The specific account details provided did not allow them to block. That the description of the ID theft was " too vague ''. Laughable. read the police and FTC report. It's very clear. They asked me to provide my Identification, address etc once again. Attached is everything that was sent not once but 3 times in 3 months. I am getting the run around and victimized by the credit bureau and the creditor repeatedly.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am XXXX human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX shows no balance but its reporting negative currently date reporting XX/XX/XXXX XXXX XXXX  {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX$870.00} date reporting XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX is sending letters that I owe them $ XXXXI have never had an account with this company XXXX XXXX XXXX . I DEMAND IT BE REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681
Product: Credit card or prepaid card

On XX/XX/22 I made a payment of {$1900.00}. On XX/XX/22, that payment " cleared '' at FNBO. However, the funds were not released into my available balance. Now my available balance is " overdrawn '', showing that I am over my credit limit when I am very much not. The payment cleared my bank on XX/XX/22. 

This is the 4th time they have held my payment like this. On the 3rd time, after calling my bank to verify that the payment had cleared, they released my funds and stated that it shouldn't happen again. 

When I called last night when I saw that it was being held, I was told that if I called back today, they could contact my bank again and get things released. This afternoon, I called again and spoke with customer service. After being told numerous times that she would be getting a supervisor, she came back on the line and informed me that it's an unusual payment and would be held for 14 days. They " are unable to contact ( my ) bank, and ( I ) was misinformed last night. '' They would not do anything for me, refused to even try to work with me, and were quite rude. 

Large payments are not unusual for me. On XX/XX/22 I made a {$1000.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment. On XX/XX/22 I made a {$500.00} payment. That's {$2500.00} in payments just this month. Last month was over {$3000.00} in payments. Same for the month before. 

We use this card instead of our debit card for our bank account to accumulate rewards. This is not an unusual practice. I had forgotten to make a payment, so instead of doing XXXX smaller payments I decided to just make XXXX larger payment. Given my payment history, if I had simply made a {$1000.00} payment on the XXXX, then another on the XXXX when the XXXX had cleared, this wouldn't be an issue. But because I made it XXXX large payment, now it's an issue? Why?
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has decreased and shows a random account owing when all my accounts are taken care of. I dont understand where the money has been taken from.
Product: Checking or savings account

I made a transaction of {$600.00} on XX/XX/year> from my bank to another bank with XXXX however the other party never received the {$600.00}. I contacted my bank to inquire about my transaction and why it was not received on the other end and my bank verified and confirmed that the {$600.00} was processed and distributed from my account even though the other party didnt not receive it. My bank advised me that there was nothing they could do in their end but to call the other bank I sent the money to. I told my bank that since I use XXXX through the Chase app that they should be held responsible for my mone.So the other party contacted their bank and received a letter from their bank stating that there was no money deposited. Furthermore I contacted XXXX and XXXX told me that I would have to contact my bank to dispute the issue because since the transaction was made through my bank using XXXX and not through the XXXX app there was nothing that they could do. I filed a dispute with chase bank and again received the letter stating that there was nothing they could do. Its been more than 10 months and we have not received a credit of {$600.00} dollars and the other party has not received any money either. Nobodys been able to help us with this issue we just keep getting the runaround.I would like to have my {$600.00} deposited back to my account or to the party that was transferred to. I appreciate your help in this matter. I have letters from all parties involved on this issue as proof. I hope to hear from you.Thank you.
Product: Student loan

I have been faithfully paying my loans since I started graduate school. I have been waiting for my loan servicer which is MOHELA to update my student loan information. I have been waiting for XXXX months. MOHELA has begun to charge interest on my account. However, I still do not have any information about my XXXX time IDR adjustment. I am currently on the SAVE plan. My principal balance was {$54000.00}. I have paid off {$30000.00}. According to https : //studentaid.gov/announcements-events/save-plan # benefits for loan amounts over {$26000.00}, each additional {$1000.00} is equal to an extra year of payments. I have paid off {$30000.00}. If I am not mistaken, this would qualify me for forgiveness for my graduate loans. I am just wanting to know if I do or do not qualify for forgiveness. I am looking for an IDR account adjustment. I am asking for help so I can be XXXX less customer for MOHELA to be forced to work with. I realize they are very understaffed, not properly funded and are overworked. I am looking for a simple answer of whether or not I am eligible for forgiveness. In this way, I can help reduce their workload. Thanks very much for your help.
Product: Checking or savings account

XX/XX/2019 Deposited a check for {$4000.00} I wrote from a business that I own into my personal account at Bank of America via the ATM. The ATM must have scanned the check as reading {$9000.00}? I have not been able to confirm the ATM 's error with anyone at Bank of America, this is just my theory? 

XX/XX/2019 Bank of America debits my account for {$5000.00} leaving the pending deposit equal to the {$4000.00} amount of the check. 

XX/XX/2019 they {$4000.00} is subtracted from my business account at XXXX XXXX XXXX. 

XX/XX/2019, I notice a hold on my account at Bank of America for {$4000.00} that will be released on XX/XX/2019. 

I called and spoke to customer service. They explained that the error of the check being scanned at {$9000.00} has caused the check to be held to confirm funds. There is nothing that can be done to correct this situation. 

I understand that errors happen. I'm guessing the technology of the ATM didn't scan my check accurately. BUT, they can correct the mistake immediately by debiting my account for {$5000.00} but can't verify the funds are available in less than 11 days! 
During this process I had to make a cash deposit of {$4000.00} so that I may pay my bills! Mortgage payments, auto loans, XXXX, etc etc. This has now tied up {$4000.00} in the check amount on hold and caused me to use {$4000.00} additionally in the cash! Operating a business that is 100 % dependent on cash this is causing revenue loss. I am more than understanding that I should have more closely looked at what the ATM scanned the check for, but holding thousands of dollars for 11 days seems excessive. With the technology to move funds the way they are today this seems very unnecessary!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX