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

I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, XXXX and Experian did not. I sent a copy of the XXXX report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to XXXX and Experian the BK Court in XXXX  verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't XXXX  and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, XXXX XXXX
Product: Student loan

I have been a XXXX student since XXXX, enrolled at XXXX XXXX University. XXXX University has up-dated my enrollment status on the national database system every semester. As of XXXX 2016, Utah higher education Assistance Authority ( UHEAA ) has billed me, requesting payment on my student loans. As of date ( XXXX XXXX, 2016 ) UHEAA is showing me as XXXX months past due on my federal student loans, my credit score has went from a XXXX to a XXXX due to the negative reporting, and my Federal and State tax refund have been placed on hold due to this negative reporting. From the XXXX of XXXX I have been in contact with UHEAA in regards to this issue. Every month I am told I am past due on my loan, that I must make payment today, that it will be reported to the credit bureaus ... in the next breath they report that they see I am in school and that they will get this taken care of. Today I spoke with them and was told the same thing ... behind, in default, must pay ... This is an issue that still has yet to be resolved. My credit score and federal and state refunds have been impacted, along with the increase in stress. I am getting no resolution with this company and am in need of further assistance.
Product: Credit card

My Name : XXXX XXXX My Social Security Number : XXXX My Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 credit card account opened at A collections account listed with a XXXX  XXXX ( Private account number ), date opened : XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX  XXXX. 
A collections account listed with company XXXX XXXX XXXX ( Private account number ), date opened : XX/XX/XXXX that appears related to the aforementioned credit card account. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # ( ) and ( ) 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: Credit reporting 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 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  has violated my rights. Or a list of inquiries : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any XXXX XXXX agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have accounts that do not belong to me that is affecting my ability to gain credit
Product: Credit reporting or other personal consumer reports

This account # XXXX  XXXX XXXX XXXX was Charged off XX/XX/24 and is being reported as charged off each month illegally re- aging my account it is the bureau job to report accurate information.
Product: Checking or savings account

On XX/XX/2021, a check I wrote to my subcontractor was stolen and cashed by someone else into their account at XXXX XXXX XXXX XXXX in the amount of {$1000.00}. On XX/XX/2021, I filed a fraud complaint at my bank at Chase. On XX/XX/2021, XXXX reported that XXXX XXXX XXXX XXXX has not responded and if they do not then the case is closed and I don't get my funds. This is FRAUD. Chase should not allow this to happen to my account is not adequately supporting me to get my funds back that they released illegally.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXXXXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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.

Check attachments below.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account Enhanced Recovery Collections 3. Validate Account XXXX XXXX XXXXXXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Product: Mortgage

I would like to file a complaint against Quicken Loans, I completed a mortgage application that has not given me a refund of my " appraisal fee '' as I had previous appraisal that was used with their loan product. I was denied the loan almost two months ago and have not been able to get a response to get my {$400.00} fee refunded as Quicken Loans never conducted any appraisal or paid any third parties for an appraisal.
Product: Credit reporting or other personal consumer reports

I requested original documentation from XXXX XXXX XXXX regarding an account they are reporting on my credit file. On XX/XX/scrub>XXXX XXXX XXXX I sent a formal dispute letter requesting validation and clarification of discrepancies in the account. While they provided some documentation, there are clear discrepancies in the information provided, and critical details are missing. I followed up with an additional request for explanation on XXXX XXXX XXXX, but they have not responded to either inquiry. Their failure to provide accurate, complete, and verifiable information raises concerns about the validity of the account. I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX but the creditor did not address the issue, and the XXXX closed the case without resolution. This situation violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA Sections 609 and 611, I have the right to request complete and accurate documentation for any account being reported to the credit bureaus. The creditor 's failure to address the discrepancies violates their obligation to provide verifiable information. FCRA Section 623 : As a furnisher of information, the creditor is required to ensure the accuracy and completeness of the data reported to credit bureaus. Their lack of response to my dispute and failure to correct the errors is a breach of this responsibility. Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : If the creditor is a debt collector, they are in violation of FDCPA Section 809, which requires proper validation of debts. Additionally, their failure to address inaccuracies may violate Section 807, which prohibits false or misleading representations. I request that this account be removed from my credit file immediately due to the creditor 's noncompliance with these consumer protection laws. I have attached supporting documentation, including copies of my correspondence from XX/XX/XXXX and XX/XX/XXXX, as well as evidence of the discrepancies. I seek the CFPBs assistance in resolving this matter and holding the creditor accountable for their actions.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by XXXX XXXX XXXX XXXX ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of XXXX XXXX XXXX. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I need my account deleted ending in XXXX I can't delete it because my account is permanently limited please help me please close it out for me.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are 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: Mortgage

Selene Finance is two months delinquent with our Escrow refund after we left the company ( also due to their terrible service ). We received a letter stating the refund was sent on XX/XX/XXXX, and have called them over 10 times since then, assured each time that the payment would be remitted. They will not disclose to us what notes have been taken on our file, and are not remitting our money.
Product: Debt collection

Omni is refusing to send out a payment letter or shown its been paid by third party. They said I had to payback the lawsuit check as well. I just paid over XXXX and they are denying my proof of payment Dear XXXX XXXX XXXX, We received your recent request and need to speak with you concerning your request. Please be advised your account is held with XXXX XXXX XXXX. 
You can reach XXXX at XXXX. 
We may need to verify personal information in order to process your request. 
Thank you for choosing Omni Financial. 
Sincerely, 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  Creditor : Omni Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX We have received our payment of $ XXXX. The account is paid In full Once the funds clear and the proceeds are applied to vour account. vour account will be considered closed For information concerning your account, phone me at our toll free number XXXX. 
XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT. 
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
PLEASE REFER TO REVERSE SIDE FOR IMPORTANT INFORMATION De PLEASE DETACH AND RETURN BOTTOM PORTION WITH PAYMENT. KEEP TOP PORTION FOR YOUR RECORDS. 
Creditor : Omni Financial XXXX Account # : 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 VISIT US ON THE WEB XXXX XXXX by using debit, credit, or XXXX. Please note, paying by credit card is only for select creditors
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application for credit cards and the bank institutions are not able to review my credit reports in my Experian and XXXX  accounts. I want these fraude alerts or frizz to be remove asap so the institutions can go ahead with the review of my credit reports to see if im approved or not. I understand is maybe for security reasons but is not fair because the score in my credit had been very damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$650.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$470.00} BANKRUPTCY   XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, at my local bank branch, I opened a new credit card account with -XXXX- balance transfer and no transfer fee features for the purpose of paying off ( at another institution ) a {$28000.00} -XXXX- balance transfer account expiring XXXX. I arranged for a credit limit that would permit that transaction. I subsequently received a " Cardmember Agreement '' and " Cardmember Agreement Rates and Fees Table '' in the mail. The latter stated " Balance Transfers : 0 % Intro fee on transfers made within 60 days of account opening. After that : Either {$5.00} or 5 % of the amount of each transfer, whichever is greater. '' on XX/XX/XXXX, I called the bank 's XXXX # and requested the transfer, only to be told that the bank 's policy permitted only {$15000.00} to be transferred at that time and that I would have to wait until my next cycle closed ( estimated at XXXX ) to transfer more. 

THIS WAS THE FIRST MENTION OF ANY DOLLAR OR TIME LIMIT ON TRANSFER AMOUNTS IN THE BANK 'S PRINTED MATERIALS OR IN ANY CONVERSATION WITH BANK PERSONNEL. 

DELAYING THE SECOND TRANSFER FROM XX/XX/XXXX TO XXXX IS COSTING ME 18.99 % INTEREST AT THE RECEIVING BANK AND WILL TRIGGER A 5 % TRANSFER FEE ( {$670.00}. ) FROM THIS BANK BECAUSE IT WILL BE BEYOND THE 60 DAY -XXXX- FEE PERIOD. 

I appealed this situation with three phone " supervisors '' and was finally given a fax/mail ( no phone! ) contact at a so-called " Executive Office ''. I sent a comprehensive letter there requesting a waiver of the time limit based on the bank 's communication failures. 10 days later I received a phone message from some analyst saying the bank could/would not change its POLICIES to correct this situation ; it did not address the facts/circumstances of the matter as described in bold above. I called the number left in the message to discuss the unfairness ( illegality? ) of their policy and their response, but have had no response. I tried to escalate my case to higher management, but no address or phone number is available on their website and the local bank branch informed me that it was company policy not to disclose that information ( to a long time customer! )
Product: Checking or savings account

In XXXX, XXXX dollars was stolen from my US Bank ReliaCard account by an individual using identity fraud to mail themselves my Reliacard and emptying out XXXX dollars. I went through the dispute process and submitted the dispute forms and was told it was processing and I would receive a response and my funds would be refunded when I called every week for around XXXX  months. Never received any follow up on my dispute or any refund or even any information on my dispute or case