23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my final attempt at communicating with your offices. In Exhibit B you will find a copy of the letter I received from national credit adjust dated XX/XX/2020. 
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX  XXXX ( XXXX  XXXX ACCOUNT : XXXX )
Product: Credit reporting or other personal consumer reports

i am a survivor of XXXX  and XXXX  XXXX and my information was used in the process of those crimes. i have filed a police report with my local authorities as well as with the ftc. im seeking relief under regulation v and the debt bondage relief act. please assist accordingly thanks in advance
Product: Bank account or service

On XXXX XXXX, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of my information.
Product: Credit reporting

I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in XX/XX/XXXX to XXXX, XXXX, and TransUnion asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint.

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of 1974 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports.

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer XXXX exercise the opt out right. 

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.
Product: Student loan

Applied for School Misconduct Discharge in a clear case where All Federal Loans held from this school were discharged ( XXXX XXXX ). I was denied immediately without consideration because of my loan type. I currently hold a consolidation loan, which was simply 2 tuition answer loans I held from their predecessor Sallie Mae. Both loans were used for that school, I consolidated them immediately after attending school to simplify payments and to remove my grandmother as a cosigner on one of them, as to not burden her. The consolidation changed nothing, other than a higher interest rate they charged, and now am being denied a chance to move forward for no reason other than the name they assign to my loan. This is wildly suspect and malicious. I have already to date paid approx. $ XXXX on $ XXXX in loans and I still have 20 % of the original principal to repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial complaint with Transunion ( XXXX ) was NOT resolved by them. They still have NOT, per my 4 letters I mailed sent me ANY signed contracts or verification of these accounts I requested contracts for. Legally, if they can not provide that to me then they need to be removed from my credit reports. They are not my accounts which is why they have not provided proper SIGNED documentation or contracts from me. They're breaking the law. All they provided was a letter stating that my accounts have been verified. HOW THOUGH? I requested proof 4 times. I sent 4 notarized letters to them and they are still twiddling their thumbs. Legally they had 30 days to update my report and they still have not. I am looking to sue them if this continues and these accounts are not removed.
Product: Credit card or prepaid card

My Identity was stolen and someone opened several accounts in my name with Synchrony Bank, Upon an extensive investigation it was found that these accounts were opened fraudulently and I was liable as noted in the attached letter I recieved from Synchrony Bank, To date the credit bureaus have not been notified or recieved any correspondence from Synchrony Bank to remove this account ( XXXX ending in XXXX ) as stated they would as noted in the attached letter, This account continues to negatively impact my credit file.
Product: Debt collection

This company showed up on my credit. I went through a very hard time, few of my family members passed away in a very short time of each other. And I lost my job. I fell behind on some of my bills. I did however keep every bill/bill collection I got. I looked through and I never received anything from midland credit. I tried to dispute this on credit bureau sites stating they didnt send me proof I owe the debt, not did they send me my right to dispute. 

I want all the documentation they have on this debt, that they own the debt and I owe the, the money stated. I also believe the balance is way off. The statue of limitations has expired on this debt as well.
Product: Debt collection

In addition to this company leaving messages at my place of employment in which I have several voicemails saved.And after telling them by phone to not call my place of employment because I could lose my job, the vcalls are still being made with the last call from them being on today.The voicemails states that I will be served at my job on the same day the voicemails are left and to consider myself notified.My place pf employment tel. no. that I have asked them not to call is XXXX. And on top of that, I have no clue who these people are.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021 at XXXX, Moneygram accepted a debit to debit vVisa transfer from my domestic partner in the XXXX to myself in the XXXX in the amount of {$2000.00} USD. Their website promises the money is " usually available in minutes '' by this method, and their terms and conditions promise it within 4 days at the latest, barring force majeure. 
As of XXXX XXXX, this money has still not been received. They were contacted by telephone by both myself and my partner and the representative gave no information to either of us except to assure there wasn't a fraud hold and that they were not claiming force majeure. The representative offered to file a complaint that would be resolved " within 90 days '' ( more than XXXX times the statutory 15 days to respond to such complaints ). 
In the mean time, we are behind on our rent and the money has been taken from our account. Moneygram will not provide any further information, explanation, or help, and their lateness will likely put us out significant late fees. A demand letter sent to their customer service email was not responded to.
Product: Vehicle loan or lease

MEI auto finance continues to strong arm me on a auto loan that I have paid off they strong arm me by "timing out" my vehicle. this loan started on XX/XX/2015 they financed $XXXX to which the total I was to have paid at end of loan was $XXXX to date I have paid over $39,000.000 I had a couple extensions of which I paid and now they are saying I owe another payment and have also "timed out" my vehicle whereby leaving my children stranded at school as well as me not being able to get back and forth to work with this being my only form of transportation, they which they know and use this as a means to strong arm additional payments out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
BK OF AMER XXXX  Date Opened : XX/XX/2011 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX - XX/XX/year> - XXXX * XXXX XXXX - XX/XX/year> - Experian * XXXX XXXX - XX/XX/year> - Experian * XXXX - XX/XX/year> - Experian * XXXX XXXX  - XX/XX/year> - Experian * XXXX - XX/XX/year> - Experian * XXXX XXXX - XX/XX/year> - Experian * XXXX XXXX XXXX - XX/XX/year> - XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2019 I viewed the website for New Day Mortgage XXXX XXXX XXXX  and in big, bold letters it states " Your VA Home Loan Benefit is worth more at NEW DAY '' XXXX XXXX   answered the phone and I asked him how it was worth more at New Day and he replied that " New Day will refinance to 100 % LTV while other lenders only go to 85 %. '' I replied that he was lying, that every lender will go to 100 % LTV, in fact more, because the funding fee is added. I told him I was sick of deceptive advertising and I was going to report the company. 

He called me back and tried to convince me her was right about the LTV. He also said they would refinance to 100 % with a XXXX credit score and no one else would do that.
Product: Debt collection

I had medical assistance and my dad 's olds jobs health insurance when I had my son. At XXXX. The state insurance was for baby delivery a baby doctor appointments. My insurance did not cover it and now its in collections
Product: Checking or savings account

I made a deposit of {$53000.00} on XX/XX/year>. After the normal 1 day business day wait, I learned a hold of {$48000.00} had been placed on the deposit with no explanation given. Per the bank services agreement provided by Truist bank, it is their responsibility to adequately communicate any holds placed on abnormal deposits. Despite having indicated that I could be alerted electronically by phone, text, and email, AND having mailed document preferences turned off, Truist used the postal service to send me notice of a 10 day hold for a large deposit. The notice took longer than the 10 days to actually arrive and the funds were available before I was even notified. To make matters worse, the document was not dated and arrived a few days AFTER I had made a complaint with them and made them aware they were in breach. There was not even a postmark. It is clear that considering my communication preferences being clearly indicated prior to this transaction for years, that Truist attempted to cover up their breach in notification by using the USPS, the slowest communication method available, to explain away their breach of banking agreement. In addition, by my count the document arriving in my mailbox on XX/XX/XXXX is an exorbitant amount of time for the notification to arrive if it was indeed sent on XX/XX/XXXX as indicated by Truist ... .even by USPS standards.
Product: Debt collection

Datacheckofamerica.com has made repeated calls to my phone. About 7 or 8 calls per day. When I answer, they say it 's on a check I wrote back in the 1990 's, a debt that may be close to 20 years old. However, they can not provide me the verification of debt nor any other relevant information except the credit union I banked with at the time. Furthermore, the recording says they are issuing a wage garnishment if I do not pay something even though they have not provided me with any information or any verification of debt and even though according to them it 's a very old debt.
Product: Vehicle loan or lease

Back in XXXX, my daughter needed a car for her personal use and asked me to be her CO-SIGNER, based on my financial situation at the time, I agreed, knowing that I could make any payment if needed. 
We went to a BUY HERE PAY HERE car dealership located in XXXX Florida. 
My daughter pick a XXXX XXXX XXXX which was an used car. We did all the paper work and everything was okay. 
Then in XXXX my daughter had an accident, and she hit a XXXX XXXX on the back, her own car the XXXX XXXX that we own few months previous the accident, DID NOT HAD AIR BAGS INSTALLED. 
We took the car back to the dealership and explained the situation to them. They told us they will take the car back and they will sent us a letter saying the car was settled, because it wasn't our fault that the car did not have air bags installed. 
XX/XX/XXXX I started disputing the account on my credit report and asking the dealership to sent me all the information they have about the car including the remaining balance on the account. I haven't received any response, I asked the credit bureaus for VALIDATION.. not answer.. they also keep validating the account without sending me proofs.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following hard inquiries have been disputed several times and they are still on my XXXX XXXX and Experian credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, XXXX and Equifax. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it