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

I am writing because I am not getting any where with Transunion and XXXX in regard to an dispute. I begin writing these companies since XX/XX/XXXX in regards to inaccurate information being reported from XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXX. XXXX  removed this account when I wrote them to dispute this reporting. This account is fraudulent and I have been unable to get any resolution from the Data furnisher XXXX XXXX XXXX XXXX XXXX XXXX. I even wrote the CEO XXXX XXXX at XXXX XXXX on XX/XX/XXXX. He didn't respond to my letter requesting an investigation into my frauded application. I contacted the XXXX XXXX XXXX XXXX XXXX team on XX/XX/XXXX and XX/XX/XXXX again no response. I've been writing XXXX since XXXX with no response so that why I don't understand how these credit bureau is getting verified, accurate and updated from my dispute. I can't even get a response back from certified and return receipt letter. I am no longer disputing this item and I am asking these credit bureaus that the dispute verbiage needs to be removed immediately. I just don't understand why I am being ignored from both off these companies. I am buying a house and this is causing issues with my pre-approval. Furthermore XXXX  and Transunion is reporting wrong information on my credit report. I also wrote letter to CT Attorney XXXX XXXX again no response from them.
Product: Credit reporting or other personal consumer reports

Why these inaccurate inquiries revolving in my report? I been sending a lot of dispute letter regarding this please delete them all now
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I do not have a contract with Jefferson Capital Systems and do not owe the alleged {$770.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am no participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Product: Mortgage

XXXX XXXX committed XXXX as determined by XXXX XX/XX/XXXX. The family was notified about a week later when the XXXX was found. We quickly determined that the house was in default but worth saving and contacted Navy Federal who was the lender. At this time, they said we could not speak with them on behalf of XXXX without a death certificate. This was received and immediately sent to Navy on XXXX XXXX. We tried making contact once again and were told that we now needed probate paperwork from the court as we had no will. We immediately applied for this through the court systems. Navy immediately released the house for foreclosures when they received the death certificate ( Even knowing the situation ) as now they had proof of death. Then once we got the probate paperwork back on XX/XX/XXXX we immediately sent them copies of the probate order. We also left a voice message. On XX/XX/XXXX they returned a call and said they would send the paper work out for this loan to be reworked and credit was not really going to be an issue because of the situation ; but then on Monday XX/XX/XXXX they said this process needed to go to a different department because it had been sent to foreclosure and were sending another package of paper work out for the family to fill out. We got that XX/XX/XXXX. We are completing that package and returning it today. We feel they have stepped up the foreclosure process and really just keep sending us in different directions now that they have proof of death. This man served his country and had he would not be alive today. This is not compassionate, and I am embarrassed that we would treat the any of our service people or families with so little compassion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX have 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 an account without my written instructions.
Product: Checking or savings account

DEPOSITED Life Ins proceeds check from XXXX XXXX XXXX. COMPANY- thru atm XX/XX/XXXX. MY MOTHER DIED. No immediate credit of {$300.00}. XXXX FUNDS avail and then a 10+ day HOLD PLACED ON THE CHECK drawn on XXXX  XXXX. AGAIN LIFE INS PROCEED CHECK - my mother XXXX XXXX - passed away. I went into the branch XX/XX/XXXX, MGR at XXXX, stated next time bring the check inside and we can review/override the hold for you. I would but this branch has gone to skeleton staff, no drivethru service- are they closing this one too? I closed my mother 's acct XXXX XXXX while I was in the branch and provided death certificate as well. I also deposited XX/XX/XXXX {$4300.00} other insurance check from XXXX XXXX and had no issue. I also have Multiple accounts with BOA, retired from BOA, and have done business with since XXXX. I called Sat, spoke to XXXX and her supv XXXX ( XXXX ) XXXX in XXXX XXXXgot now where and no explanation for the EXTENDED HOLD TIME. ( both reps just DIDNT seem to CARE ). I was told call back Tues when we have image of the ch uploaded. I called again the morning and spoke to multiple reps again. XXXX in AZ and some female, neither would give me reason for hold stated confidential? I AM THE CUSTOMER AND HAVE RIGHT TO KNOW WHY MY CHECK IS BEING HELD!!!! THIS IS NOT A GAME>>> REP. Hinted at everything from fraudulent check, to oh it may be returned by the company? Reminded them this is a reputable Company XXXX XXXXXXXX XXXX . Refused to remove hold and major issue REFUSED TO TELL ME WHY THE HOLD WAS THERE. I DEFINATELY believe they are USING CURTOMERS FUNDS FOR OTHER PURPOSES- HOLDING OUR MONEY FOR THEIR GAIN. I offered to send letter from Insurance proceed ck etc. DIDNT CARE and offered not help at all.
Product: Vehicle loan or lease

Forced Non Consented repossession by CAPITAL ONE. Please see attached
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an 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: Student loan

On or around XX/XX/XXXX I have been in communication with my student loan lender ( Granite State Management & Resources XXXX XXXX XXXX XXXX, NH XXXX ). I am currently applying for a major loan and I need my actual payments when my loan go into repayment. I have been advised that my account can not go into repayment or that they can not update the payment until the grace period elapses. The system would show that I am on the extended plan, however, will not change the term from 120 to 300 months. This document will determine whether or not I get the loan. Therefore, it is urgent that someone help me. I am not able to wait until XXXX of 2019 to get my correct payment data. Additionally, I was told the Department of Education will not allow me to go into repayment status before the grace period. I have other loans with a different provider and I didn't have this problem.
Product: Credit reporting or other personal consumer reports

Inquirer : MICHIGAN XXXX XXXX. XXXX XXXX. Inquiry Date : XX/XX/2023 Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Investigation into these fraudulent inquiries came back as verified instead of being removed from my report. 

According to 15 USC 1681i ( 5 ) the consumer reporting companies have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the consumer reporting companies do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 U.S.C 1681 the consumer reporting companies can not furnish an account without my written permission According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting company if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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 XXXX XXXX XXXX XXXX XXXX XXXX. 


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 furnis 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 informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

case number XXXX. 
Equifax has not sent me full details on its investigation including copies of all of the source documents including the person who did the verification with their telephone numbers. I also need copies of the contracts or applications for XXXX XXXX XXXX XXXX XXXX i am still missing information on the credit reporting. where is a copy of the source information. it has been well over 30 days. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit file with all three major credit reporting agencies back in 2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being stupid. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX to be available on the Internet. Having the wrong XXXX XXXX # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct XXXX XXXX  #. 

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX {$2900.00}.
Product: Student loan

I am filing a compliant in regard to the Lawsuit filed against Navient. I too was told to take a " forbearance '' on my Loans. My original Loan amounts totaled $ XXXX. Due to long term forbearance my current outstanding balance is {$170000.00}. This is outrageous and criminal.
Product: Mortgage

I have been asking for pay off amount to pay of the loan I have been denied pay off amount for close to 2 weeks or more. My emails send to single point contact and his supervisor all not been returned and they are refusing respond my email and provide me pay off amount so they can foreclose the property.
Product: Mortgage

Citizens Bank , N.A. was sent notice in XX/XX/2023 that the mortgage was rescinded due to violations of TILA AND REGULATION Z as well as breach of duty, breach of care, security fraud. As Grantee of the property, we equitably cancelled the security deed and mortgage. Citizens had 20 days to return our property once they were notified of rescission over a year ago. Our obligation is discharged and terminated. They have brought a complaint that proves they have no lawful remedy, and want the court to declare their interest when their time for objection has passed. As we are the rightful title owner by nature we expect Citizens to return our property and remove their complaint and release any claim as the property is equitably claimed, accepted and acknowledged by grantees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this unverified account with XXXX XXXX XXXX. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
Product: Credit card or prepaid card

My payment for my Discover credit card was due on XX/XX/XXXX. I forgot to pay the bill. I made a payment this morning at XXXX ( eastern time zone ). 

I received a total of 4 calls since making the payment I received a call at XXXX and informed the gentleman that I made the payment and to check their records At XXXX they called me again I did not answer nor did they leave a message on my voice mail I received another call at XXXX and spoke to a supervisor XXXX who was claiming to be a supervisor and said that he put a call blocker on my account and that I would not be called again. He also acknowledged payment to my account. I told him to cease and desist communication with me and he told me I would not be called again I received another call at XXXX and spoke to XXXX who also claimed to be a supervisor I explained to her that I received a call this morning. I explained my call with XXXX that took place at XXXX. As I expressed my displeasure with what was going on, instead of apologizing, she tried to talk over me several times and justify the calls Calling 4 times in 1 day is just plain harassment, especially when I paid the amount due to make my account current and not only that, I paid the amount for next month as well Per the FDCPA law, they are also in violation for calling me when I told XXXX to cease contact with me and I was told by XXXX I would not be called again. 

Again, this bill was paid at XXXX and they called me 4 times after this bill was paid.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue.

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report. 

Fraudulent Accounts : [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] [ XXXX XXXX XXXX - Account number # XXXX ] Fraudulent Inquiries : [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] XXXX XXXX - XX/XX/year> ] XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] XXXX XXXX XXXX - XX/XX/year> ]
Product: Checking or savings account

On XX/XX/XXXX I received a counter deposit for {$3500.00}. It was a check issued on a CITIBANK account which was deposited on my CITIBANK Account. On XX/XX/XXXX the funds were not available. I contacted CITIBANK via chat line and they told me that they needed to verify the funds before crediting them to my account which would likely happen on Thursday, XX/XX/XXXX. I replied that they could not do so if the funds were coming from a check issued on the same bank. They acknowledged their mistake and said they would have corrected the mistake immediately and credited the funds to my account. They did not correct the issue. It looks like a pattern of intentional mistakes and misleading information to customers to illegally appropriate funds for their own investment purposes.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$3500.00}.
Product: Credit reporting or other personal consumer reports

I requested Experian to dispute accounts on the credit report and requested a reinvestigation on XX/XX/year> after reviewing my credit report on XX/XX/year> they did not remove the accounts. These account display inaccuracy with reporting underneath 15 USC 1681 ( i ) 5
Product: Credit reporting or other personal consumer reports

I was asked to officially report this account to the government first for it to be removed. I have now completed this and will attach the completed form due to the identity theft. 

XXXX XXXXXXXX XXXX sold to XXXX XXXX XXXX XX/XX/2019