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

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? I will once again list the inquiries in need of investigation : XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XXXX, 2023, XXXX XXXX  Inquiry Date XX/XX/year> and XXXX XXXX Inquiry Date XX/XX/year>.
Product: Debt collection

Week of XX/XX/2022 received letter to request validation of debt from the law offices of XXXX and XXXX by way of Hillcrest credit agency. That same week I sent back by way of certified mail i sent the request to validate several of the debts. Thier letter stated that if they were responded to before XX/XX/2022 they would stop any collection on any amount I dispute until they send information that shows I owe the debt. The same week they also filed a court order with courts, going against their own statement in the letter. I responded with an affidavit of validation to the courts once served I was served on XX/XX/2022, ( which was filed on XX/XX/2022 with the court ). I have yet to be contacted, nor contacted with validation of the debt from XXXX and XXXX. 

It has been four months since first asked to validate the debts with no communication back.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX and tried to use my warranty but was denied. My car is not operational and it is going to cost over a XXXX dollars to fix but the company will not grant me my warranty. I have contacted them 5 times on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries I am attaching the FTC Report
Product: Checking or savings account

I have had over XXXX in my Ally bank account for over 10 years. I attempted to transfer money to an external account in my name in order to make a loan payment. Ally froze my account for fraud and will not answer questions or give any updates. My account has been frozen for a week. I am a long term customer with no history of overdrafts or any negative activity. They have taken my money away from me because I tried to use another bank.
Product: Money transfer, virtual currency, or money service

PNC Bank will not allow me to link my plastic checking account with my XXXX account for investing.
Product: Checking or savings account

I believe I was a victim of social engineering by a company called XXXX. They're a complete scam, but the company I am complaining about today is Ally Bank. Under regulation E they are responsible to issue a refund for cases of social engineering. The reason I believe this is a case of social engineering is because the hotel results were displayed by XXXX on their booking section so I had no reason to doubt it. I made a purchase on XXXX, XXXX, XXXX  for the amount of {$820.00} through my Ally Debit card. It wasn't until I called the resort to verify the voucher that I realized I've been duped. I've been trying to get my money back with the help of Ally for over 6 months but they haven't been very responsible. Their evidence for denying the dispute is that they contacted XXXX and were told that it's a valid ticket. What kind of evidence is that? I can provide a letter from the hotel confirming that the voucher is invalid. Ally Bank has to start taking legal, social, and ethical responsibility for disputes submitted to them. Currently they handle disputes with an attitude of It's your fault and we have evidence that the disputed transaction is valid. There's another blatant scam which they ignored, but for now I want to get my {$820.00} back for this case, and will submit the lesser fraud after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, a charge was made on my Chase credit card account by XXXX that we did not authorize. The order was placed using a different account. This was a dormant account that we do not use and did not realize their error until we saw a missed payment on my account. XXXX has owned the error and reversed the payment. 
I have explored numerous avenues with Chase to have the missed payment removed from my account, and they refuse to work with me. This {$39.00} charge, that should never have been made, has now destroyed my credit. 
We did not receive any phone calls regarding a late payment because we were in temporary housing ( having lost out on a house after the sellers backed out at the last minute ). We also did not receive specific emails or mailings saying there were late payments. Just the generic statements that are emailed. Since this is an account that we never used, we had no reason to open these statements. 

I've attached the email from XXXX owning responsibility and reversing the charge ( and charging the proper account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On Tuesday, XXXX XXXX, my XXXX year old father was contacted by someone saying that they had legal proceedings against me. My father only has a cell phone and lives on the other side of the country from me so I have no idea how they were able to contact him. I got the phone number from my dad and called today, XXXX/XXXX/15. The man on the phone, XXXX XXXX, said that they were not trying to collect a debt but had legal papers that they needed to serve me and wanted to get my information. I would n't give it out to him and the man became very hostile. I was finally able to get the company name from him before I hung up. It is Trustmark Corporation. I have never had any dealings with any company of this name. I do not have any outstanding collections for any bank or credit card. I am very upset that this company called my dad and upset him.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX heretofore ( ETE ) has stolen my identity and According to the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm-Leach-Bliley Act ( 15 USC 6802 ), ( ETE ) is required to adopt reasonable procedures to ensure that the information on my consumer report is accurate, fair, and equitable. However, I have recently discovered that ( ETE ) has used my identification document ( Social Security Number ) to produce unverified and inaccurate information on my consumer report for profit, without my permission or authority, in violation of 15 USC 1681 ( c ) ( 2 ) .Furthermore, ( ETE ) has been violating my privacy by reporting fraudulent information without my consent or permission, in violation of 15 USC 1681b ( c ). According to the Fair Debt Collection Practices Act ( 15 USC 1692a ( 4 ) ), I am the creditor and can not be in debt to a debtor. Furthermore, according to the XXXX XXXX  XXXX ( 12 USC 83 ) and the Federal Reserve Act ( 12 USC 1431 ), banks can not loan its own money or credit. Therefore, the false information that is being reported by ( ETE ) from banks and alleged creditors on my consumer report is not true and lawfully correct. ( ETE ) does not have a signed SSA 89 form, on fie to use my social security number or report my private information, in violation of 15 USC 1681b. As a result of ( ETE ) fraudulent and inaccurate reporting practices, I have suffered severe stress and anxiety.
Product: Consumer Loan

I had a car that was charged off in XX/XX/2014 and Loan Mart is continuing to report 120 day lates to current dates. This is illegal and hurting my credit. After the charge off they cant report late payments.
Product: Checking or savings account

On XX/XX/year>, I had XXXX ( teller # XXXX ) create a savings account for me ; and deposit {$2000.00} in the account from my checking account. I also asked XXXX to setup auto-deposit of {$1000.00} into that savings account from my checking. I did this in order to take advantage of the Citizens offer of earning {$500.00} if you maintain a $ XXXX balance in your savings for XXXX consecutive months. 
In XXXX I visited XXXX at the branch to determine when the {$500.00} deposit would be made to my account. He looked it up on his computer and told me the deposit would be made after XX/XX/year>. 
I visited the branch today to find out why the {$500.00} was still not deposited in either of my accounts. XXXX was unavailable and XXXX ( XXXXXXXX XXXX XXXXXXXX ) helped me. He said XXXX was wrong and that Im not getting the {$500.00}. I have copies of the offer ; and a log of interactions I have had with Citizens over this issue. 
It is a deceptive business practice that should be stopped.
Product: Student loan

I have notified Navient at least 4-5 times that I am unemployed because of an economic hardship along with the reasons. I submitted this to you and after their response of refusing to actually understand plain English that I am unemployed, even after sending them 3 forms, and a complaint through your service, nothing was understood by them between their ears. And you closed my complaint even though it was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These docs are coming from me ; XXXX XXXX and not a third party.. I did not authorize these two inquiries on my credit report. # XXXX XXXX. Capital One : XX/XX/2023 XXXX XXXX XXXX : XX/XX/20XXXX XXXX
Product: Debt collection

I received a letter from the XXXX XXXX today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX Capio Partners is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00}  for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! Capio also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where Capio has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for Capio account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, Capio Partners and  The XXXX XXXX! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to Capio who then sold the accounts to The XXXX XXXX! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation
Product: Credit reporting or other personal consumer reports

Hello, I have tried to access my on credit report through TRANSUNION but it will not let me. I have tried to contact TRANSUNION numerous times but there phone service keeps disconnecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXE Date Updated : XX/XX/2020
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/year> Dear CFPB, I am writing to inform you that I am a victim of identity theft. I have been made aware that fraudulent information is being reported to your company, damaging my credit and reputation. 

I have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to fraud and swindles. This has resulted in a deformation of my character and a violation of my consumer rights. 

As you are aware, the law requires that any fraud be blocked and removed from a consumer 's credit file. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit report. This is a clear violation of 15 USC 1681e and 1681b, which outline the requirements of credit reporting agencies to ensure the accuracy and fairness of consumer information. 

Furthermore, your company 's failure to conduct a reasonable investigation of my dispute regarding the incorrect and fraudulent information on my credit report is a violation of 15 USC 1681i.

I request that you take immediate action to : 1. Remove all fraudulent information from my credit report.

2. Block any further reporting of this information.

3. Conduct a thorough investigation into this matter.

Please confirm in writing that these actions have been taken. I appreciate your prompt attention to this matter, and I look forward to resolving this issue. 

Please remove fraudulent accounts with XXXX XXXX XXXX XXXX, Early Warning consumer services Consumer ID number XXXX, and all reporting agencies, account numbers are listed below. 

XXXX XXXX XXXX XXXX account numbers - XXXX - XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I was at a grocery store attempting to pay for my groceries and my card kept declining. This was strange because I knew I had funds in the account. So I attempted to login to my online banking with Suntrust now Truist and it said my access was revoked and to contact customer service. So I called customer services & was advised my account was being closed. When I asked for the reason, I was advised that they can not provide a reason over the phone and that I would receive a letter in XXXX business days. Today is XX/XX/XXXX, XXXX I have contacted Suntrust every single day since XXXX XXXX and nobody has been able to assist me. I spoke to a customer service rep at XXXX on XXXX XXXX and they advised that my account closure process has been reset because I was charged {$3.00} for a paper statement fee? In the XXXX years I have banked with Suntrust, I have NEVER received a paper statement so why now??? Customer care left me on hold for over an hour just to hang up on me. So now its been an entire month and my account is not closed and they are holding {$33000.00} of my money and refusing to assist me. I have filed a complaint with the federal reserve and I will continue to take it as far as I need to.
Product: Vehicle loan or lease

My complaint is against XXXX XXXX XXXX. I have explained to representatives on a weekly basis that due to the pandemic, I was unable to make a payment until XXXX. I asked for a payment arrangement in XXXX as I did with our other vehicle lender. I was told it would be fine, just to call week by week as they were only to hold payments week by week, which I did call. Now when they call, they share that if I am not able to make a payment, they can not make any notes on the account. I am also told that no payment arrangement can be made until the balance is paid. Well I asked for an extension in the beginning and was told different things by different representatives. I know that these calls are recorded so you can listen to the nonsense for yourself. No I get calls at least 2 or 3 times a day, then received a letter saying once they are able to repossess the car, they will. I mean, this is a pandemic and seem to be the only lender threatening their patrons. This is an ongoing issue with American Credit Acceptance XXXX. I am not able to speak with a Supervisor and they will not email any updates regarding payments. The representatives are rude and just totally unempathetic to individuals struggling during COVID-19. I am really concerned with their unfair business practices and the constant harassment from representatives. I have had different conversations explaining our situation and it does not seem to matter and now it is getting out of hand. I am really not sure who else to contact.
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 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 )

Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s
-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Debt collection

Its been going on for a couple months now. When Midland credit calls, I'll Ignore the call and then the will right back. I'll ignore the call and they will call back and this will go on for about XXXX calls. It happens about twice a day. Every day. On XX/XX/XXXX I got fed up with the repeating calls. ( it affects me at my Job ). I answered the phone and told the operator to stop calling me they are harassing me. The calls stop for a bit. Today XX/XX/XXXX The calls started again. So I would like to make a formal complaint of Harassment. I understand I am in debt and will pay it back as soon as I am able to, but these calls are getting me in trouble with the job I need to pay them back. I can provide screenshots of all the repeated calls if necessary.