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

I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all 18 active federal student loan accounts noted at department of education/ nelnet off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. 

XXXX have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ Nelnet . I do not have business or contracts with Nelnet. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Product: Debt collection

Attention : XXXX XXXX Re : Midland Funding LLC Civil Judgment Court case # ( I CANT READ THIS ON THE TEXT- PLZ FILL IT IN ) I received a notification from my HR department at work my wages were getting garnished. I was so shocked. I contacted the plaintiff listed on the garnishment and I spoke with an agent at XXXX XXXX and notified them that this was not my account. The agent sent me copies of the XXXX XXXX statement showing it was going to a TX address. I live in NM! 

I want to be very clear that this is not my account. I never took out the account, I never used or paid for the account and I haven't lived in Texas since I was XXXX years old. 

The original application should have never been approved as the address clearly didn't match my address on my credit report. 

This garnishment notice prompted me to pull my credit reports and I now realize I have a total of five fraud accounts. 

As a result, I have filed a police report. See attached. 

I have sent 3 emails to the plaintiff 's Atty and I haven't received anything other than the XXXX XXXX bill showing an address that is not mine.
Product: Mortgage

I have a Chase mortgage for this property on my credit report which needs to be removed or satisfied as I am no longer liable for it. I made a settlement with Chase in XXXX 2015 in which Chase waives all claims against me and any deficiency judgment against me. I am attaching the stipulation of settlement and my attorney letter to Chase explaining the settlement as proof. I am being penalized for being a victim of financial abuse. Chase has not resolved this issue yet. Time is of the essence. I am homeless with sole custody of XXXX children and need to buy a home. I can not get a personal loan, mortgage or lease with this mortgage still on my credit report. My credit card account from XXXX was also closed. I can not support my children with this erroneous bad credit. Please help me and my children.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX XXXX XXXX  AT {$1000.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off XXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( XXXX ) ( b ) and SECTION XXXX 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, EXPERIAN, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4.XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete 5. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete
Product: Checking or savings account

in regards to response XXXX, i feel Capital One should return my money They did not and will not be allow me to continue using the bank. I feel if they do not return my money they could have still allowed me to be a customer at the bank. i spoke to a XXXX XXXX who said the scam began with Capital One having my money and should refund it back to me. i am o a fixed income and hurting because of this scam. i want an explanation why i can have neither one
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been a customer of USAA Federal Savings Bank for the last 15 years as my primary online bank. I have multiple products with them : checking and saving accounts and XXXX credit cards. I have never had any issues with them nor defaulted on any of my financial obligations. On XX/XX/XXXX, as I started to use the mobile app that I frequently use to access my accounts, a threating message was displayed that said if I didn't take this survey, all my access to the app will be revoked ( I don't have the exact verbiage, but it said take this survey or else ). The survey was a combination of intrusive personal questions about my income and how much money comes in and out of my account ( which by the way USAA has full access to ) and about a dubious product called XXXX for money transfers, which I am not using and will never ever use, as it has a bad reputation in the marketplace. No explanation was given as to why this survey is being forced on me and also what triggered this threating and coercive tone.
Product: Credit card

The companies listed has charge off several accounts on my credit report, but have not sent me a 1099 C. 
I'm requesting a 1099 c for all accounts that have been charged off.

If 1099 C is not sent. I will like for my credit report to be. updated to account paid in full, and charge off 's deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I disputed late payments on my credit bureau report with TransUnion Consumer Relations for an XXXX XXXX XXXX account # XXXX that appears on my credit report. They have reported the account 30 days late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX. The account is paid by automatic payment each month and I receive notice on the XXXX of each month of the upcoming payment and details of the remaining number of payments. On the XXXX of each month, I receive notice of payment processed. I submitted the copies along with XXXX 's XXXX bank statement showing that the payment had been made. TransUnion did not update my report to reflect that the payments were received and basically just sent me a copy of my credit report. Their cursory " investigation '' was done. They simply ignore any back up documentation that was sent. I want the late payments deleted from my account as the payments were made and each month XXXX received the automatic payment and sent an email stating receipt of payment was made. The report should reflect {$390.00} as the payment amount received and late pays should be deleted.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : 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
Product: Checking or savings account

account hacked and {$20000.00} was transferred to XXXX. 

My only complain is that when a large amount is transferred from my account, I should get a notification just the way they do for credit cards. 

I came to know that my account was hacked when by chance I had accessed my online bank account, had I not done that I wouldn't even know about the fraud activity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX has 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On Tuesday XX/XX/year> I was alerted that my XXXX employment check was ready and available for me. 
I went into my Capital One checking/debit account to see if the money was there and it wasnt. 
I checked on Thursday XX/XX/XXXX,,, no money I checked on Friday XX/XX/XXXX,,, no money I checked on Saturday XX/XX/XXXX,,, no money I have since then had XXXX accounts that are linked to my debit card not paid!! My high school senior daughter has an upcoming school event that was supposed to be paid by the XXXX for XXXX that she cant go on. This is very upsetting Im also now going to have to pay late charges on those credit card late fees. This is a disaster I have no money for gas or food I LIVE PAYCHECK TO PAYCHECK I AM XXXX XXXX BECAUSE OF THIS MY STRESS LEVEL IS BAD
Product: Debt collection

When requested, Portfolio Recovery Services ( PRS ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, PRS did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. PRS never forwarded or provided any proof, even after multiple requests. 

XXXX did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

PRS never provided any verification documents even though it was requested on multiple occasions.
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 18USC 1028a Aggravated identity theft 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

So a man named XXXX XXXX opened a Chase credit card in XXXX. The card company is reporting it as opened in XXXX which is incorrect and this man put me as a co signer to this card without my knowledge. In XXXX i recieved a letter from Chase telling me that I owed them {$7200.00}. I contacted Chase and told them it was identity theft and after almost a year later I was told that it was my account. I disputed it again and was told the same thing several months later, but was told that I needed to file a police report. I did that and was able to fax and email it to them roughly a month ago. I confirmed that it was recieved and assigned to an investigator. I callled a second time last week to get and update and was told they didn't have the investigators information to conect me to them so they took my number and they would email them my information and tell tell them that I needed to speak with them. I have not received any calls from them and that account has not been removed from my credit bureaus.
Product: Mortgage

A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. 
All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : SANTANDER Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I began trying to inquire about an alleged debt from JPMCB CARD that is being fraudulently, inaccurately, and illegally reported on my credit report with inaccurate information submitted to the different credit bureaus which is continuously damaging my credit. I requested validation of the alleged debt and never receive any validation whatsoever, and only continued getting updates of inaccurate and false information being reported to my credit report on the bureaus. I have recently obtained a new credit report with still false and inaccurate errors being reported on my credit reports and have decided to submit this complaint since my investigation requests are going unanswered with the company and bureaus. All disputes continue to only cause harm to my credit and this must be deleted to halt harming my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXXXX XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name as a result of the breach. 
Account to Be Blocked and Deleted : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX, Opened : XXXX Balance : {$2000.00}
Product: Debt collection

I filled once already with this agency and this was supposed to be removed. I have again received another letter for the exact same account. This is now harassment. I do not owe this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling and and reaching out to experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified XXXX XXXX  that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given XXXX, XXXX, Experian permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.
Product: Credit card or prepaid card

Fortiva retail credit card keeps reversing my payments to charge me more interest.