23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent letters to Experian via mail requesting a reinvestigation for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXXXX/XX/XXXX I received a response from Experian that the following account ( XXXX ) were verified XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I received a response from Experian that the following account ( s ) were verified XXXX XXXX XXXX XXXX On XX/XX/XXXX I received a response from Experian that the following account ( s ) were verified XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a response from Experian that the following account ( s ) were verified XXXX XXXXXXXX On XX/XX/XXXX I received a response from Experian that the following account ( s ) were verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXXXX/XX/XXXX I responded via mail formally requesting a description of the procedures the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX I responded via mail formally requesting a description of the procedures the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I wrote a letter requesting Experian to investigate and verify that all data for the following account ( s ) was reporting accurately including every notation date and balance whether reported or not : Account : XXXX XXXX  Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX  Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX Account : XXXX XXXX XXXX Alleged Late Payment Date : XX/XX/XXXX On Thursday, XX/XX/XXXX at XXXX I received an email from Experian stating that my disputes does not appear to have been sent directly by me and that they have not taken any action on my alleged request. I sent each dispute myself from my home. I am not sure why they think I am a third party as I am trying to fix my own credit and I am trying to get these inaccuracies removed so that I am able to purchase a home.
Product: Checking or savings account

On XX/XX/2023 there was 12 unauthorized transfers in to my account, 5 un authorized transfers out of my account. I called NFCU ( Navy Federal Credit Union ) once there was an alert sent to my phone XXXX XXXX XX/XX/2023 to notify me of the activity I called NFCU to notify them that I did not authorize or approve of the transactions done to my account, my accounts were hacked and I my account and debit card was accessed. There was a 9 day investigation, no credit issued, the funds were overdraft to my account after the 9th day.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have fallen victim to identity theft as a result of the XXXX data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of any fraudulent items appearing on my credit report. 

As a victim of this breach, my personal information was compromised and subsequently used without my authorization. I demand that any accounts, inquiries, or transactions that are not legitimately mine be permanently deleted from my credit file without delay. 

Please confirm in writing once these fraudulent items have been removed, and provide me with an updated copy of my credit report. Additionally, I request that my file be blocked from further fraudulent activity, as outlined by federal law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I file a dispute with TransUnion requesting that a Bankruptcy case # XXXX that was showing on my credit report, On XXXX XXXX I received a letter from trans union XXXX XXXX the bankruptcy was verified as accurate I contact the United States bankruptcy court. and went in person and the clerk gave a letter stating that the court does not report any information to the credit bureaus, and they do not verify or validated any information. TransUnion XXXX XXXX are in violation of 15 U.S.C 1681 ( I ) A for failing to conduct a proper investigation. please see Exhibits & Documents.
Product: Credit card

best buy/cbna XXXX i am not liable for this debt with best buy. please remove off my credit report
Product: Credit reporting or other personal consumer reports

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful anxiety caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, Equifax, and XXXX. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I tried to apply for a car they told me i had 20 hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

One of my credit card issuers was recently bought by another institution ( XXXX XXXX  ) which sent me a notice that they were changing the terms of my account due to an adverse credit report from Equifax. Some of the issues cited in this notice are obviously incorrect. The notice informed me that I could address this report at Equifax.com/FCRA, a web site that never responds. I called the Equifax phone number listed in the notice, XXXX, and after a one-hour wait time was connected to a person who demanded that I identify myself by telling the " usual '' balance of some credit account that no longer exists. When I asked him to clarify the question he hung up. When I tried to register a new account at myequifax.com I was asked five questions, none of which had anything to do with me. It refused to recognize me but allowed me to ask for a PIN number to be sent to my mailing address. This was sent and the indicated web site, https : //my.equifax.com/pin, accepted it but the account I had tried to establish again refused to acknowledge me.
Product: Money transfer, virtual currency, or money service

I was using PayPal for my online store to receive funds. I clicked instant transfer to transfer money from PayPal to my bank and Paypal put my money on hold for XXXX hours. After XXXX hours they place another hold on the same money, and sent me a message saying I cant receive my funds until I upload a picture of my Id. I uploaded my drivers license and they sent another message saying my account is permanently limited for 180 days and I am unable to transfer my money to my bank account they will not allow me to until XXXX days is up. I am very fair with my customers and have a very flexible return policy. I have children and bills to pay I need access to my money. PayPal is impossible to reach over the phone, and only communicate through generic automated messages.
Product: Debt collection

In XXXX, 2015, without giving notice and without authorization or approval, First Data Global Leasing withdrew {$990.00} from my checking account for a contract debt which does not exist. I had owned a business, XXXX XXXX XXXX XXXX, and had leased credit card terminal equipment from FDGL.. During this time, FDGL had access to the said account for payment of the leased equipment. Upon the business 's sale 5 years ago, they were notified of the business closing and the equipment was returned to them. I kept the checking account as my personal account. After the sale, I retired and have lived solely on my Social Security automatic deposits. Their withdrawal of the funds caused the account to be overdrawn which took 2 months to get back in the black. So, first, I do not believe I owe them any money having no contract to prove or disapprove this and second, it should not be legal for the way they withdrew money from my account. Also, it has been impossible to make contact with anyone at FDGL and no one returns calls. I am sure they have handled other businesses similarly. My living on a fixed income only made this act more unscrupulous and tragic.
Product: Debt collection

I have previously told them to STOP calling AND that I rescinded ANY previous authorization. They are also trying to collect MORE than is owed. When I did answer they threatened legal action. They have been told NOT to all on ANY account owned by Citibank which includes Sears and Best Buy as well!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Mortgage

My Private Mortgage insurance was removed from my account. The escrow was closed. 

The only thing I should be paying Bank of America on XXXX XXXX XXXX is for principal and interest. 

I called Bank of America home loans to verify the payment amount for XX/XX/3 and was told the payment included {$95.00} for escrow. 

Why is Bank of America secretly taking out {$95.00} per month on a closed escrow account. This should be illegal and Im not sure theyre calculating the principle and interest correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX department stores, XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Product: Student loan

I am writing to formally lodge a complaint regarding the mishandling and conflicting information pertaining to the discharge of my loans under the Borrower Defense ( BD ) program. Since XXXX, I have diligently communicated with MOHELA, the Federal Student Aid ( FSA ) office, and the Borrower Defense Help Line regarding the status of my loan discharge. FSA has assured me that all relevant information concerning the discharge has been forwarded to MOHELA. However, MOHELA consistently denies receipt of this information, stating that they are unable to act until they receive it. Despite my repeated inquiries to both FSA and the Borrower Defense Help Line, I have been assured that the information was sent and instructed to allow additional time for processing. 

Despite this, in XXXX, I received a letter from MOHELA stating that none of my loans would be discharged, directly contradicting prior communications from the Department of Education and assurances from FSA and Borrower Defense. Furthermore, I have already received refunds for prior payments on these loans, which suggests that the loans have been discharged. This refund further contradicts MOHELA 's assertion that they do not have the necessary information to proceed with the discharge. 

These discrepanciesMOHELA 's contradictory statements and the refund for payments madedemonstrate a serious failure in communication and processing. My previous complaint to MOHELA about this issue was inadequately addressed with a response stating they lacked information on my BD case. Such a response is wholly unsatisfactory and fails to resolve the ongoing issue. 

I insist on a thorough review of my case and expect a prompt and clear resolution.
Product: Credit reporting or other personal consumer reports

In XXXX. XXXX i closed XXXX account and paid final balance in full. i got notification in XXXX that i was in collections from credit bureau. I disputed with XXXX and XXXX requesting proof but did not receive any proof. I have no knowledge of this specific company XXXX collection services. This is harming me my credit and consumer rights and I requested it being removed for the lack of proof i requested over a month ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Dealing with XXXX  who has taken over XXXX XXXX  regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
XXXX XXXX will not update the credit bureaus as they state they did not put it on the reports
Product: Mortgage

SPS LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Our buyer was countered to XXXX. We requested a copy of the BPO and found that the comps they were using were an average of XXXX miles away up to XXXX miles away. On XX/XX/XXXX we provided market comparables supporting the offer price of $ XXXX. 

We believe this is a manufactured value. On which planet are values from XXXX to XXXX miles away used to originate a loan or make any kind of credit decision? 

We are seeing this on most SPS files right now. They are directing their valuations team to come up with inflated values. Values that are not realistic in any sense of the word. On this particular file, it looks like the BPO agent was instructed to randomly pick properties around the county that would get them a full payoff. 

Attached is SPS 's BPO and the agents response. Note that SPS 's has purposely pulled values from up to XXXX miles away to justify their counter offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Intent to XXXX Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database. The Company has also not removed the accounts reporting as associated to said bankruptcy as previously requested. Listed are the accounts to be deleted : * XXXX : # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late
Product: Credit reporting

The charge does not belong to me and my identity has been stolen. I send the affidavit as requested to Ideal collection services and still have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} HYUNDAI CAPITAL AMERICA XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted. I reinforced the issue requesting the inquires are removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute for Permanently Removing Accounts Dear Equifax ( and XXXX ), I, XXXX XXXX XXXX, am writing to dispute and request the permanent removal of the following accounts from my credit report, which are currently inaccurately reported and harming my credit score : XXXXXXXX XXXX XXXXXXXX ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), XXXXXXXX XXXX XXXX  ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), and XXXX XXXX ( account number : XXXX ). 

Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( d ) ) and Regulation V, 12 CFR Part 1022, Section 611, which prohibits the reporting of accounts that are not in dispute or past due, I request that you ( and XXXX ) verify the accuracy of these accounts and permanently remove them from my credit report within five ( 5 ) business days from the date of this letter, under the penalty of Section 616 of the FCRA ( 15 U.S.C. 1681n ), as failure to do so may result in liability for actual damages and statutory damages of not less than {$1000.00}. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I begun correspondence with this company XX/XX/XXXX to validate and verify a debt collection account that was reporting to XXXX. I sent a letter by certified mail and requested any and all information they had on hand to validate the account. The company then sent back a document that did not necessarily suffice as evidence and proof of debt. I responded once more by certified mail and requested additional documentation to further prove that I am liable for this debt. They did not respond within 30 days of that letter, subsequently the account was removed from my credit report and it stopped reporting. Unfortunately, I recently ( XX/XX/XXXX ) went to check my credit report and found that this account is reporting once again. They are required to give me a five day notice before reinserting a previously deleted item and I didn't receive such notification. This item needs to removed immediately
Product: Payday loan

These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is XXXX
Product: Debt collection

After receiving a response from Midwest Recovery Systems ( MRS ) on my complaint through CFPB on XX/XX/19, I proceeded to contact the company as directed. I emailed them on XX/XX/19 and attempted to call them ( phone did not go through after the fifth attempt ) today XX/XX/19. I have not been contacted or been able to get a hold of this company that supposedly has a collection debt from a hospital I have never visited. I am filing again against this company for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter with accounts that have dispute remarks, I would like to have these remarks removed as I am no longer disputing these accounts