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

XXXX XXXX XXXX DOB :XX/XX/XXXX XXXX XXXX XXXX   POLICY XXXX BUSINESS NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EMAIL XXXX XXXX XXXX NUMBER XXXX XXXX  EVENT NUMBER XXXX PERSONAL, FAMILY, HOUSEHOLD, XXXX XXXX XXXX XXXX XXXX XXXX. OFFICE OF LAWYERS IDENTITY THEFT DUE TO XXXX  STATE AGENCY & FEDERAL AGENCY DECLAIRED NATURAL DISASTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 90 days, I have been trying to validate a debt with XXXX XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.
Product: Credit card or prepaid card

XX/XX/XXXX I reported ( 2 ) XXXX XX/XX/XXXX transactions {$170.00} {$170.00} UNAUTHORIZED. see enclosed XX/XX/XXXX statement fraud investigation BEGUN temp credits listed XX/XX/XXXX Adjustment Purchases. ( These were in my favor as the temp credits were NOT reversed. ) WHEN WILL I SEE THE TEMP FRAUD CREDITS MADE PERMANET.? WHAT DO THE PERMANET FRAUD CREDITS LOOK LIKE? HOW ARE THEY DIFFERENT THAN THE TEMP ONES? ( USAA OWES THE PERMANET CREDIT ON BOTH THESE TRANSACTIONS ). Has USAA completed this fraud investigation begun OVER A YEAR AGO?
Product: Student loan

I recieved a statement from Naviant for the first time since my daughter has been in school. she is a XXXX. Until I recieved that statement I had no idea who was holding these loans. I thought XXXX XXXX held everything. So how could I have paid anything towards these loans if I did n't know about them? They should have been sending information more regularly!! Then I actually got a recorded message left on my home phone that the email information they have for us is not valid ... .it took them 3 years to figure that out and call? Then all of the sudden I read about a law suit for Naviant in XXXX of this year ... ..what a coinsidence right? I do n't think so. I think we are part of the group of people that have been affected by Naviant 's poor business. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA XXXX ( XXXX ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX XXXX. I tried to request a dispute regarding the incorrect date of delinquency being reported however, Experian will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe Experian requested the proper documentation to substantiated the information being reported. XXXX also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the Experian and XXXX Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them from my file XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that have should have aged of my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and XXXX, otherwise remove incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed of incorrect information on my credit report and signed up for credit monitoring through Equifax XXXX of this year. Their dispute section let me file a dispute once and since has not worked i have called multiple times through the month of XXXX and now beginning of XXXX to get this resolved. I have received less then stellar service and reps have claimed to file disputes for incorrect info yet it shows that i havent filed any dispute at all let alone being able to accurately see the results of my disputes. Equifax has yet to reach out to me or resolve this problem
Product: Mortgage

On XX/XX/XXXX I paid {$10000.00} on my mortgage account to take the LTV ratio well below 80 % and have my PMI deleted. I received an email from suntrust afterwards confirming this was the case and also had the amount reflected online on XX/XX/XXXX. At that point I requested via their secure messaging center ( and this is documented ) on XX/XX/2021 for my PMI to be deleted. I did exactly as was told by XXXX of Suntrust in this process. My loan is backed by XXXX XXXX and I'm also eligible for a no fee home valuation to have it dropped without paying anything but opted to reduce my interest by paying down the principle. On XX/XX/XXXX I inquired how the process was going since I had not heard back on to discover that my XX/XX/XXXX inquiry was getting denied despite my loan no longer needing the PMI and also despite paying off MORE than I was told to by the may denial letter. I called to request it to be deleted again and was told it would take ANOTHER month. I refuse to pay PMI that is effectively penalizing people for not having lots of money in the first place when I initially took out the loan. I have paid every month on time and never missed a payment. This is ridiculous. I refuse to pay another cent to PMI that I requested a pay off for due to it being applied retroactively ( covering the previous month period ). Happy to answer ANY questions. I have everything documented extensively and can even call up local branches as getting in contact with people at SUNTRUST mortgage now TRUIST is almost impossible and takes HOURS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX**** XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 I deposited 2 checks and {$60.00} cash into an atm. One check for {$500.00} and the other for {$700.00}. The atm stated there was an error and couldnt deposit the checks but successfully deposited the cash. The atm did not return my checks so I went into the chase branch. The atm and branch are located in XXXX Ohio. The branch manager called to make a claim for me and I was told the cash would be cleared in 12 hrs. 17 hrs passed and the check wasnt cleared. I called back to chases claims department and they told me to wait 12 more hrs. 12 hrs later they told me to wait 1-2 business days. 2 business days later they told me I have to wait for 10 more days. I keep getting the run around and I feel like I should be Reimbursed for the time Im forced to spend without my money and all late fees I will occur after not being able to pay my bills, eat, or live in a comfortable state due to chase and their negligence. As of XX/XX/19 I have not received any of the money that would have cleared from my checks. Please contact me at XXXX or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a notification that a new inquiry had been posted to my credit file by the creditor XXXX XXXX XXXX. I did not apply for credit with them so I disputed the inquiry via XXXX online. I received the reply that it was considered valid and they would not be removing the fraudulent inquiry. I also received a letter from them on XX/XX/2018 stating they were dealing my credit request and that if I needed/wanted more information as to why that I needed to contact Capital One. An inquiry was done fraudulently and it was not done by myself or anyone in my immediate household.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report there are a few items that are unverifiable and unauthorized. I have about 3 inquiries that do not belong to me. 

The inquiries are : XXXX XXXX ( Mortgage Reporters ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX According to the FCRA if there are unverifiable and unauthorized items on someone's credit report, by law, they must be removed
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX  Inquires not made by me.

XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX XX/XX/2018 and XX/XX/2018 and XX/XX/2018 EXPERIAN inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding zelle 's handling of disputes particularly in the light of the CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering my funds was impossible and that tracking and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cell has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$290.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account. 
Block and Remove
Product: Debt collection

THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX and XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and XXXX  is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. 

Thank You very much for your help with this matter. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to dispute. 
CREDIT Collection on my credit report contacted Transunion with the information they sent me. When I requested them to prove the debt they sent me a letter sting they could not locate my account, but sent me a copy previously of my credit report. 

i wanted them to send e proof of a collection account and all the info as to what name the time period and any information on the debt. 
'See attached how they used a Stall tactic to prevent me from verifying the info
Product: Checking or savings account

I am writing to formally express my frustration with the ongoing difficulties in accessing my USAA account. Despite following your instructions and submitting all required documentation to verify my identity, I am still locked out of my account. When I called your customer service team as instructed, representatives were unable to verify me, leaving me without access or clear guidance on how to resolve the issue. 

Blocking access to my account raises not only customer service concerns but also potential legal issues under various laws and regulations : Electronic Fund Transfer Act ( EFTA ) and Regulation E : Under the EFTA, financial institutions are required to provide consumers with timely access to their funds and ensure transparency around account restrictions. If you are unjustifiably denying me access, this could violate my rights under these provisions. 

Fair Credit Reporting Act ( FCRA ) : If your inability to verify my identity is connected to the use of third-party information, such as identity verification through credit reporting agencies, improper handling or delays could constitute a violation of FCRA requirements for accuracy and fairness. 

Consumer Financial Protection Act ( CFPA ) : The CFPA prohibits unfair, deceptive, or abusive acts or practices by financial institutions. Making it unduly difficult for me to access my account or receive assistance without reasonable justification may be considered an unfair practice.

North Carolina Consumer Protection Act ( N.C. Gen. Stat. 75-1.1 ) : This law prohibits unfair or deceptive trade practices, including unreasonable barriers to accessing services or accounts. If USAAs actions in blocking your access are deemed unfair or unjustified, you could raise a complaint under this statute.

This situation has caused significant inconvenience and financial stress. I need immediate assistance to restore access to my account, along with an explanation of why my identity could not be verified, despite submitting the requested documents. If this issue is not promptly resolved, I may explore filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or consider legal action.

Please escalate this matter to the appropriate department and provide me with a prompt resolution. I look forward to your swift response.
Product: Debt collection

I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Convergent Outsourcing , INC . I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. They have not responded to my letter as of today.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given XXXX, TRANSUNION, XXXX XXXXXXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX, TRANSUNIONXXXX XXXX  XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.