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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. XXXX  dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Debt collection

I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.
Product: Checking or savings account

I have submitted two prior complaints here and with the comptroller as well and I have yet to reach a conclusion or get the money. I was told I could go into a branch so Ive done that and they still insisted on a phone number for verification despite being able to verify our identities in the flesh : Im starting to believe they are doing this purposefully and Ive contacted the attorney general to see if they can help. The closure on my account was done because of what they say in proper endorsement. I have enclosed photos of the exact endorsement that they told me to put on the back because I consulted them before depositing the third party check.. thats the kicker of all of this I wouldve never in XXXX XXXX years done. This had I not been advised by Chase themselves. I am just one of thousands that are having the exact same issue and while I am sure they have a massive amount of fraud going on, Ive jumped through every hoop, and complied with every demand for information you requested, and its all been legitimate. This money was for rental assistance for her mortgage so please let that sink in. Almost a year is appalling in the fact that you want to send the funds back to the states that she can get them through them just means chase has out right stolen 4 months of rent and significant stress on my fianc. The last complaint I made was completely ignored under, dressed and closed without even reaching out to see that there was any sort of solution, which is what they do. If you file a subsequent claim against them, they close it out immediately and chalk it up to all, we already addressed us but no, I am writing to say youve not addressed my initial issue three complaints ago. Im leaving her number for you to verify since I cant get anyone to help me on the phone I always get a they will call you back spiel and then I dont hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. XXXX and Experian are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

XXXX XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) Experian XXXX XXXX / XXXX Number:XXXX
Product: Credit reporting or other personal consumer reports

Mohela continues to report incorrect loan balances to the credit bureaus. I have been calling for months trying to track down where the discrepancy is. They have not been reporting to one of the credit companies since XXXX of 2024! And the information that is listed is incorrect. My total balance is still showing OVER double the actual amount COMING TO A TOTALNOF XXXX. I have been rejected for home loans because without actual proof from Mohela amd the credit bureaus, they are utilizing the fraudulent information listed. XXXX and XXXX are not being reported to correctly. These corporations are stifling the growth of the XXXX people and essentially robbing them of any opportunity to create better lives for themselves. They need to be held at a higher regard as a federal operating entity. FIX YOUR SYSTEM!!! I have been doing my die diligence, why are they not doing theirs?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Transunion credit report, XXXX ( XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX ( XXXX ) and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry on my credit report.
Product: Credit card or prepaid card

I have had 3 inquiries on my credit that were not me Chase on XX/XX/2022 XXXX XXXX on XX/XX//2022 XXXX  on XX/XX/2022 How can I get these taken off my credit and find out who is trying to steel my indentity
Product: Debt collection

I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by DPT/ED NAVI.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATIONXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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

Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I would like to delete the following accounts as soon as possible because they are unauthorized accounts. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 the XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me
Product: Student loan

I have a loan thru Naviet and went to XXXX college that closed down few months after I finished but never got my XXXX. No one would tell me anything and I have this loan that I ca n't afford to pay back. They keep calling and will not help me lower my payments how I 'm I suppose to pay XXXX a month I 'm a single mom
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit card

According To 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information During Covid-19 in accurate information is violation of the law..I reach out Several Time Concerning This Matter
Product: Debt collection

I received the debt on XX/XX/2023 to which I disputed the debt stating that insurance covered the cost and provided them with the information to show the insurance policy as well verification of coverage and policy inclusions for the services. 

XX/XX/XXXX they were sent an email to dispute the debt. Also asking for how they received my information without my consent. I never provided them my address so how were they able to contact me. So it was an invasion of my privacy. 

XX/XX/XXXX was a follow up to a mailed letter that I have never received confirmation of receipt from the creditor. Have also never received any information to follow up to any update on their records as well.
Product: Credit reporting or other personal consumer reports

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for XXXX and XX/XX/XXXX, for XXXX. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.
Product: Checking or savings account

I deposited a Credit card Bank Check at BOA - ( in my name ) however It was from an older batch of checks they sent prior to me losing my credit card. Needless to say the check was returned. I was good with that  however they closed my account and threntened to report me to the bad check agency. When i asked about the threat they said they would not do that. Turns out they did report me so I was lied to. I would like to re-establish a new checking account. I have 23 years at XXXX XXXX  in good standing never bounced a check or was overdrawn for that matter. Because of the bad report I can not open another account anywhere! I'm beyond mad at this point. 

Ps. 

I have over {$180000.00} in a Bank of America ( XXXX XXXX ) account which they completely ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Request for Deletion of Collection Account Dear LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) any extension of credit or approval should not be included on a consumer report. I pulled my credit report and realized that
Navy Federal and Transunion are violating my Federal Rights as a consumer I, XXXX XXXX, Did NOT Give them permission to furnish these inquiries on my credit report.

Under 15 USC 1681n, both companies are civil liable for willful non compliance.

An Agent Named XXXX said she was not deleting them and then rudely hung the phone up in my face as I was trying to get these items of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX