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

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX CONSUMER ID : XXXX RE : XXXX XXXXXXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER RE:3RD CORRESPONDENCE FAILURE TO COMPLY Dear Sir/Ma'am, DELETE ACCOUNTS FOR FAILURE TO PROVIDE ALL REQUESTED DOCUMENTATION AFTER SUPPOSED VERIFIED RESULTS I XXXX XXXX/Consumer to ChexSystems in response to your continued VIOLATIONS to my request for PROOF of your agency verifying the above accounts.

This is my 3rd and FINAL attempt to have this issue resolved with your agency. I am demanding your agency permanently remove/delete the above items for failure to provide proof of your re-investigation. As you continue to violate my Consumer Rights by ignoring all requests listed here as well as requests in previous correspondence. 
CHEXSYSTEMS IS MISREPRESENTING MY CHARACTER FOR MONETARY GAIN BY COMPILING INFORMATION AND SELLING IT TO YOUR CLIENTS, VENDORS, STAKEHOLDERS, AND/OR, ANY FINANCIAL INSTITUTIONS. CHEXSYSTEMS PAID PROCESS IS AFFECTING MY LIFESTYLE, MY FAMILY, MY PRIVACY, MY HOUSEHOLD, AND MY BUSINESS. WHAT IS CHEXSYSTEM MONETARY GAIN FROM COMPILING, SELLING, STORING, AND RETRIEVING ANY/ALL OF MY INFORMATION IN THEIR SYSTEM? HOW MUCH IS MY CONSUMER PROFILE WORTH ON YOUR SYSTEMS?

I PREVIOUSLY requested CHEXSYSTEMS FULL BACKGROUND INCLUDING ALL KEY COMPONENTS, MAESTRO FORMS, QUALIFIED, and COMPONENT, OFAC, IDV PASS/FAIL DETERMINATIONS AND PROCEDURES USED, DATA TRANSFERRING SYSTEMS, CLEAR DEFINITIONS OF YOUR CATEGORIES AND HOW YOUR CLIENTS CHOOSE BETWEEN THOSE CATEGORIES. I REQUESTED ORIGINAL BANKING CONTRACTS, CANCELED CHECKS, AND SIGNATURE CARDS FOR BOTH ACCOUNTS YOU ONLY SENT 1 SIGNATURE CARD, YET REPORT TWO ACCOUNTS, NAME, ADDRESS, PHONE NUMBER, AND TITLE OF PERSON CONTACTED AT EACH FINANCIAL INSTITUTION.

I AM NOT REQUESTING YOU RE-INVESTIGATE ALL YOU CONTINUE TO SEND ME ARE BANK STATEMENTS. THIS IS NO LONGER A DISPUTE ABOUT IF THE ACCOUNTS ARE MINE OR NOT AT THIS POINT. CHEXSYSTEMS HAS LOST THE PRIVILEGE TO DELETE THE ABOVE ACCOUNTS. CHEXSYSTEM IS IN VIOLATION OF MY RIGHTS AS A CONSUMER Your continued silence is unacceptable. 
15 USC 1681n - Civil Liability for Willful Noncompliance - Commerce and Trade 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 USC 1681i - Procedure in Case of Disputed Accuracy FCRA 611 ( ( a ) THIS IS NOT A REQUEST FOR A 3RD RE-INVESTIGATION AS YOUR AGENCY HAS LOST THAT PRIVILEGE. CHEXSYSTEMS REFUSES TO SEND ME THEIR METHOD OF VERIFICATION AFTER A SECOND RE-INVESTIGATION I DID NOT ASK FOR A SECOND RE-INVESTIGATION. I ASKED FOR A PERMANENT REMOVAL/DELETION OF BOTH ACCOUNTS DUE TO THEIR FAILURE TO PROVIDE THE REQUESTED INFORMATION MOV AND FILES/DATA FORMS SHARING THROUGHOUT THEIR SYSTEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three bureaus have incorrect posting of inquiries and they should be updated and removed to be current count.
Product: Credit reporting or other personal consumer reports

I have collection accounts on my credit report and late payments that do not belong to me. I want the accounts removed from my credit report. Here is my FTC report as well. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 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: Debt collection

The debt collection company, Williams and Fudge, called XXXX XXXX, who has a different last name than me, looking for my personal information ; even though they were able to collect this debt from the university that I attended. That university has all of my current information so therefore calling my mother was unnecessary in order to collect payment for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union -- - Unable to get my free credit report. I have asked them over 9 months now, still they fail to forward me a report.
Product: Credit card

XX/XX/year> i had a credit card show up at my home in my name from capital one ( I myself have no credit or have ever had a credit card ) so I end up calling capital one and speaking with a supervisor and explaining my situation well after them asking for all my information turns out the email was different then mine so they ask for any emails I suspect it could be ( my mother has a past of doing this ) so I gave them her email XXXX and they said that was the email provided so I have made a police report and I have been requesting a copy of the application since XX/XX/year> and they are refusing to give me a copy cause I am not a police officer I think I'm entitled to a copy of it being the victim in the situation I'm just wanting my questions answered cause I deserve to know if someone around me is trying to steal my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$380.00XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally This account was handled by   XXXX   XXXX   XXXX  ,  XXXX  , in   XX/XX/XXXX , a t some point it was transferred to the Department of  Education/Nelnet Student Loan Servicer a nd was in deferred status bu t Nelnet say s that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  a nd that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the    XXXX   XXXX    XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times sinc e  XX/XX/XXXX . F orward to   XX/XX/XXXX   the old account has been closed and a new account has been opened and is being paid to a new company called   XXXX   XXXX   XXXX   XXXX  , but the old account is still showing as derogatory and says to contac t Creditor. Right  now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX ,   XXXX    and  XXXX  credit reports I get a new  black  eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after  a Hard Pull.
Product: Student loan

Loans XXXX XXXX  ( {$72000.00} ) and XXXX XXXX  ( {$36000.00} ) state origination in XXXX. I did not have any loans originating in the year XXXX and assume that these refer to loans originating between XXXX and XXXX. The issue here is that the loan term I recall provided discharge after 20 years on these loans. I am currently being asked to continue payment on these loans for another 10+ years. No MPN ( master promissory note ) is available to review on these loans.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX XXXX # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Bank account or service

I opened an " XXXX Checking Account '' with 5/3 Bank on XXXX XXXX and the bank ordered checks for me and charged me {$23.00} for them without my consent. I reached out to their customer service line on several occasions and even got escalated to a supervisor once, only to be told I would have to return the checks in person to receive a refund. This seems contradictory to FTC regulations on " unordered merchandise '' which I pointed out to the banking representative. https : //www.consumer.ftc.govXXXX I do n't think it 's fair for me to have to go out of my way to return merchandise I neither ordered nor wanted. I reviewed the terms of the checking account I signed up for and confirmed there was nothing in there noting that checks would be ordered and paid for on my behalf.
Product: Debt collection

AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Product: Checking or savings account

I was working at XXXX XXXX My pay check from XX/XX/XXXX never made it to my account. I have been trying to get help from The XXXX XXXX XXXX  team. As well as XXXX XXXX and XXXX XXXX  along with chime. No one seem to know where my money is. I have been trying to get a tracking on it and they keep saying it was deposited into my account but it never showed that I received it. I have been waiting for someone to contact me. The last i heard was they was closing my case because its nothing can do.
Product: Credit card or prepaid card

Due to the butched up involvement of this very institution, after I HAD DENIED A CHARGE OF INSTANT CASH WITHRAWAL, Citybank had failed to remove that charge from my bill so I had asked this institution to UPHOLD FEDERAL LAWS OF A DISPUTED CREDIT TRANSACTION!! This institution failed to assist in complying with federal credit laws!! 

Now, Citybank had claimed to close the disputed account, and WITHOUT ANY APPROVAL they opened a second and a third account ADDING THE DISPUTED INSTANT CASH WITHRAWAL TO THE NEW ACCOUNTS, completely without my approval at all!! When contacted Citybank, they claimed that the accounts WERE OPENED BY THE XXXX IN XXXX, their security division. This is became a nightmare by a RUGE BANK who disseminates credit and personal information to a FOREIGN COUNTRY which has no duty to comply with US LAWS and able to do anything with the information of a US customer, citizen, without any recourse by the very citizen.

I demand US Attorney General to review Citybank 's conducts and assess the highest fines available to a RUGE BANK, repeatedly violating US credit laws!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX XXXX on my credit report. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), financial institutions and debt XXXX are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. 
As per 15 USC 6802, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. 
Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX On XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and EQUIFAX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Mortgage

I had hardship due to divorce and becoming a displaced worker. I contacted OCWEN prior to my last day of work t start modification process in XXXX. The home is underwater and I have exhausted my savings during this stressful process. OCWEN sent me an informal appraisal dated XXXX/XXXX/16 and sent me a copy of the underwater values I have provided everything they have requested. They have lost information effecting correct NVP, missed phone appointments XXXX I have only spoken to my relationship manager on inital call. XXXX/XXXX/16 in the 7 calls following I have a different Agent ID #. I was told by an agent that the phone appointments are completed by an automated system so that calls are on time. However the first available agent will take that call. I have never spoken to the same person twice.I have the right to correct values on my denial ( they said I was denied because was n't behind and had enough assets to pay ) According to HAMP qualifications you do not need to be behind to apply. The homeowner Bill of right says we have the right to one point of contact. It also states that we have the right to appeal denial. I am at my wits end I have gone through every hoop and I DO qualify. They have show great negligence in the handling my request for modification. I have a paper trail including every ID # of agents and every communication. I have confirmations of scans sent and OCWEN stating they did not receive it.. They have missed phone appointments, lost paperwork, drained my savings and I am at the point I can not make further payments at the unmanageable rise in both XXXX and XXXX starting in XXXX from {$1100.00} to {$2400.00}. I have retained part time work at the school district but only get paid monthly. I have providied my first paystub and I have a long term supplemental assignment and sent them a copy of assignment from school district. I have waited an average of 2 weeks wait time to speak to my relationship manager and every time it is someone different. Please look into this matter I have sent my denial appeal package they lost and it was not accepted because my email was restricted ( have copy ) So I resent it again tonight using my other email and it went right through. ( have confirmation ) I complained they lost corrected values and I was actually blocked from sending additional information to XXXXXXXXXXXX. They are breaking every rule for customer service I have every experienced. 
I am highly organized and I have a foot of paperwork from last three months I need help because they are not responding to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/2017 I decided to pay off a credit card balance of {$490.00} owed to capital one and I received a receipt for my payment.I am now being hounded by XXXX XXXX XXXX, XXXX for that same bebt.I sent them a copy of my receipt and they now reported it to the credit bureaus