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

Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, XXXX, and Experian since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.
Product: Credit reporting or other personal consumer reports

According to my consumer report I pulled on XXXX XXXX I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. 

If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them three times and I never heard anything back from them why I never got a bill or anything from the company since 2019. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault
Product: Credit reporting or other personal consumer reports

Transunion 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 Transunion 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 Transunion has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX, I went to the XXXX, CA Branch of BofA to attempt marshaling of decedent 's account. While the local branch did fax all documents to their estate department, they issued a standard notice with a reference number. Since that time, BofA has delayed and stonewalled the actual account closure and issuance of check in the name of the decedent or her trust. 

On XX/XX/XXXX, I had BofA 's Certificate of Trust filled out and notarized by a California notary and faxed it in. 

Due to being out of town for travel, I did not receive secondary form requiring a signature card and XXXX but that was sent on XX/XX/XXXX. 

Then another delay with BofA requesting Additional Signer and Owner Application and that was faxed today, XX/XX/XXXX. 

All of these documents could have been requested at the same time but BofA is stonewalling a simple process and causing the unnecessary delay in the administration of this estate. 

I have called today and the resulting answer is that it will be an additional ten ( 10 ) BUSINESS days for them to decide if the information is what they need. However, they have refused a local appointment to address any further documentation or identification needs by the bank. This is unprofessional and any fees taken from the account for monthly service fees will be demanded refunded immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Prepaid card

They continue to not pay me out what they owe me on a virtual card. I can not speak to anyone with actual answers. They sent me a broken link over 15 times and continue to say theyre fixing it.
Product: Debt collection

The Receivable Management Services is reporting a debt I don't owe. I asked them to remove it, and they reported it as PAID. It should be REMOVED.
Product: Student loan

I was n't able to make my student loan payment so I called Navient to find out what my options were and they said that I could file for forbearance which would temporarily relieve me of my payments for a few months. After the three months was over I was still experiencing financial difficulties and they suggested I file for forbearance again. They made it seem like this was my only option so I agreed to it. After several months of not being able to pay on my loans, I did some research online with my brother and learned about the pay-as-you-earn program. I called Navient to do this and they were happy to help. They were very helpful in fact. They set me up on this plan and I 've been making minimum payments when I can ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, Experian, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Experian : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
Product: Debt collection

Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint to TransUnion stating numerous unauthorized hard inquiries are being reported on my credit report that I did not authorize. 

TransUnion mailed me a letter on XXXX explaining inquiries on my credit report. See the attached letter as proof. 
TransUnion has ignored and neglected the fact I stated the reported inquiries were unauthorized. 

Note : I disputed the same inquiries with TransUnion on/ around XX/XX/XXXX in which TransUnion ignored the request and mailed me a letter dated, XX/XX/XXXX ( attached as proof ) TransUnion is in violation of the law and I am requesting immediate action be taken. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) ( 1 ) ( B ), you are required to have a permissible purpose for accessing my credit information. Therefore, I request that you provide documentation verifying that I authorized each of these inquiries. 

If you are unable to provide proof of my authorization, I kindly request that these unauthorized inquiries be removed from my credit report immediately to correct this discrepancy as per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which obligates credit reporting agencies to investigate disputed information and correct any inaccuracies I am writing to dispute the following hard inquiries listed on my credit report, as I do not recall authorizing them. These inquiries are negatively impacting my credit score, and I request that you provide permissible proof for each inquiry or remove them from my credit report promptly. 

The inquiries in question are : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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

Commercial Acceptance reporting on my credit Report a bill that has already been paid or satified. I disputed it twice. Now will dispute again and provide them a copy of the paid bill from the original creditor.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, experian and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX around XX/XX/XXXX account number # XXXX, an auto loan at XXXXXXXX XXXX XXXX around XX/XX/XXXX account number # XXXX and XXXX XXXX at Us departement of education around XX/XX/XXXX account number # XXXX, and a CXXXX XXXX  Bankruptcy around XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports all collection activity related to said items cease pursuant to FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES ( A DEBT COLLECTOR ) IS SAYING I OWE THEM XXXX DOLLARS FOR SOMETHING THE SAY I OWED XXXX XXXX. ACCT # XXXX. I DO NOT OWE THEM ANYTHING, AND DEMAND A VALIDATION LETTER BY MAIL IN A TIMELY FASHION PER THE FAIR CREDIT REPORTING ACT. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM FRAUDENLANT LEGAL ACTION THAT THIS COMPANY IS TRYING TO PULL.
Product: Checking or savings account

On XX/XX/2021 my XXXX account, which is linked to my Chase debit card checking account was charged in the amount of {$810.00}. This was an accidental purchase. I had been browsing concert tickets for curiosity sake. It was never my intention to buy them. Later that same day, I noticed an email from XXXX with a purchase receipt from XXXX. I was shocked because I never made the purchase! I immediately contacted XXXX  to see how I could reverse the transaction. I called XXXX  various times but never got to speak to a person. I received an automatic reply email from XXXX. I had emailed them stating that I did not make the purchase and asked what I needed to do to get a refund. On the automatic reply they did not provide further instructions just generic information about timelines for refunds. I decided to contact my card issuer, Chase Bank and dispute with them since I was getting nowhere with XXXX  directly. Chase made my funds available immediately. I no longer worried about it. This morning, on XX/XX/2021 after the concert had already passed, Chase denied my claim and put the charges back on my debit card account. I called Chase who told me there was a process to follow with XXXX and I needed to go through them. XXXX customer representative are IMPOSSIBLE to get a hold of. They never responded to my initial attempts to contact them about the issue. Now I am being held responsible for {$800.00} dollar concert tickets which has already passed. I'm not in the position to pay this amount for concert tickets. I did not make this purchase.
Product: Credit reporting

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and TRANSSUION has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX not mine, No proof of debt- Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.
Product: Checking or savings account

On XX/XX/2022 I deposited a check in the amount of {$3800.00} using the ATM located at Regions located at XXXX XXXX XXXX XXXX, TN XXXX. The check that was provided to me is from the XXXX XXXX Assistance which helps individuals who are struggling with their rent and utilities. This organization is paying two months ' rent for me and my family which would stop the eviction process BUT Regions has put a 10-day hold on the check-in which I may be evicted. The email that was sent to me from Regions states " If you were not informed at the time you made the deposit that a hold would be placed on the funds, and the item you deposited is eventually paid, we will refund any fees for overdrafts or returned checks you may incur solely from the delay that we have placed on these funds. You may visit any Regions branch to get a refund for such fees.

We are sorry for any inconvenience this may cause. If you have any questions about this notice, you can : '' I was not informed right away about the hold, after speaking with an agent at regions, she explained to me that once I deposit the check into the atm it will post the next morning are if I could make it to the bank before they close, I would be able to receive my funds right then. I did not make it on time so I did what the agent suggested by depositing into the atm. The funds did not post as she suggested, so I called back on XX/XX/2022 and was told by a different agent that they are going to hold the check until the XXXX of XXXX. I asked her why and she explained to me that is unusual for them to hold a check under {$5000.00} but that is what their system is telling her. I explained to her that is the second time this has happened to me at regions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and thank you for your assistance in this matter but I have 2 hardships against my credit report and the reason why is that I unconsciously applied for credit and was denied on the basis that they couldnt gather enough info for me as I forgot I have everything locked for any information on me, even as far as my social security number so I think this is the reason I was denied to begin with, but I had to report and lock my info because unfortunately all my personal info was compromised to the tune XXXX in three months and had to take the necessary steps to protect myself, so when I applied for the credit I was solely denied because of the fact that all my information was/is under lockdown, I hope you can find forgiveness for my stupidity in this matter and again thank you for all your assistance I very much appreciate it, sincerely XXXX XXXX XXXX email again XXXX XXXX
Product: Checking or savings account

For the month of XX/XX/XXXX I was charged 13 times for over draft fees totaling {$440.00}. I called first on XX/XX/XXXX spoke to a rep who informed me that he would be able to reverse XXXX of the fee. then on the same date I was charged another XXXX over draft fee and then on the XXXX another fee was charged. by XX/XX/XXXX there was a total of XXXX fees I called to and spoke to rep that stated she would not be able to do any more reversal as I have already made the quota for the year. I asked to be transferred to s supervisor I spoke to the supervisor she stated she would not be able to do anything else on her end but she can transfer me to the the department that handles overdraft fees I spoke to XXXX id # XXXX that stated he would only be able to reverse {$66.00} in fees and that was all that can be done. This was not including any fee charged in XXXX. I feel {$440.00} is a significant amount to be charging 1 person in over draft fees in 30 days. I would really appreciate some help in getting this resolved.
Product: Credit reporting or other personal consumer reports

Please all my information on my XXXX XXXX and XXXX is on Good standing. But my Experian is on Potentially Negative. please I want it change from Potentially Negative to Good standing.. The name of the loans and credit cards.. 
XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXXXXXX XXXX  Loan XXXX  Credit card. 

XXXX XXXX  Credit card. 

XXXX XXXX XXXX Credit card XXXX 

XXXX XXXX XXXX credit. 

XXXX XXXX Credit card. 

please I want all this to be change from Potentially Negative to good standing because, all my information on the XXXX XXXX and XXXX says good standing only Experian says Potentially Negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

No consent is identity theft. I, the consumer never gave XXXX XXXX any written consent to report anything on my consumer report.