23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX, XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

Great Lakes has been calling me 5-10 times a day about my deceased father 's student loan. They have reported the debt as a delinquency on my credit and refuse to settle the debt when I called to explain the situation.
Product: Student loan

I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy
Product: Checking or savings account

On XXXX, I made a deposit at an ATM of 2 money orders totaling {$540.00}. I had to put in the amount as the ATM couldn't read the amount on the money orders. I do this every month, including entering the amount. 
This time, B of A adjusted my account, debiting the {$540.00} stating they couldn't read the money orders. 
I believe it was XXXX I went to the BofA in XXXX XXXX who phoned customer service. I was told I would have the money orders returned within 2 weeks. 
I went back to the BofA on XXXX as I had not received the money orders. I was told that I would not be getting them and they would no longer exist at this point. The bank had sent me a COPY of the money orders which was illegible for the amount. On the originals, however, the amount could be easily read. On the copy, it is obvious that something IS written in the amount. It is just not legible on the copy. 
I was told I would need to replace the money orders -- which will cost me money and require me to ask my tenants to replace them -- although the bank has now kept my money and not provided me with the originals as proof.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Product: Credit card

I was notified on XX/XX/2017 by CitiCards that there was a fraud alert on my credit card. They sent me an email, a text to my cell phone and called my cell phone via IVR. I answered the cell phone call and after connecting and talking with the agent, I thought everything was taken care of. My card that had been compromised would be canceled and I would get a new card the next day. On XX/XX/2017, I get another call about the fraud alert, I explained to that agent I had already been called about the XXXX in question. My new card did arrive on XX/XX/2017. On XX/XX/2017, I got yet another call about the same fraud alert. I complained saying this was getting obnoxious. I filed a complaint through Citi 's web email. Got a response the next day ( XX/XX/2017 ) that it was being forwarded to the appropriate department to handle. On XX/XX/2017, I got yet ANOTHER call about the same fraud alert. I asked to speak to a supervisor, sounded like the supervisor was going to handle. I fired off another reply to the email stream to let them know their system is still broken and I 'm still getting calls. I got a generic response back that did not address my question - which is why am I continuing to get fraud alert calls when my card has been closed? So I let them know their reply did not address my question. On XX/XX/2017, I received 5 phone calls - 2 on my cell, 2 on my home phone and 1 at work. If they did n't reach me on my cell, 7 minutes later they called my home. A half hour after that, same sequence. I never answered any of them on XX/XX/2017 because there was no point. I fired off another reply to the email stream saying that this was harassment and what are they doing to fix this. I threatened in the email that I was going to cancel my credit card. I decided to call customer service on the back of my credit card. I complained that no one was trying to help me, that I 'm getting XXXX responses through email, that the fraud alert agents say they 're taking care of it yet I 'm still getting calls. Something has to broken in their system. I threatened that I 'm going to cancel my credit card. The agent was able to get through to a fraud alert supervisor. The supervisor told my agent that they would try another way to get the calls to stop vs just reporting the incident. Citi needs to get their act together on this. I ca n't be the only customer experiencing this.
Product: Payday loan, title loan, personal loan, or advance loan

Identity Theft occurred. Someone tried to applied credit from Citizens at XXXX XXXX XXXX XXXX, XXXX, RI XXXX and were denied due to " Income requirements are not met ''. 
Letter dated XXXX XXXX XXXX from citizens Financial Group , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting

I have, continuously, tried to dispute XXXX items on my Equifax credit file that they refuse to remove or properly update. The situation started when I financed a car through XXXX XXXX XXXX ( XXXX they also go by a variety of names such as XXXX ). I was in an automobile accident. This car was paid off between the insurance of the at-fault party and the gap insurance provided by XXXX. However, there was a catch with the gap, the gap would pay off the balance of the other car, only if I financed another one with them. I agreed and was forced to buy their gap and extended warranty. The car has significant trouble with the transmission and engine. They offered a replacement. This was not supposed to be new loan, just a replacement. This new car left me stranded XXXX miles from work and XXXX miles from home. I made numerous calls concerning this automobile. I called numerous times about the stranded automobile. After a couple of months, they finally got me a loaner car, which I had for only a couple of weeks. I continued my payments. I did not know that they placed XXXX collections and XXXX account as " pays as agrees '' and none being paid off on my credit file, until recently. The charge off dates could not be accurate as I paid my payments in accordance to the agreement that was started XX/XX/XXXX. These were not supposed to be separate accounts ( XX/XX/XXXX and XX/XX/XXXX ). I am currently researching my past bank accounts where payments were made ; however, I am attaching a XXXX XXXX receipt from a payment made after they claim there was a charge off. This payment was made on XX/XX/XXXX, which is after the charge off date reported as of XX/XX/XXXX. The accounts also seem to overlap, looking as though I had the XXXX accounts open at the same time, when XXXX car was supposed to just replace the other. The creditor sometimes appears as XXXX XXXX or XXXX XXXX XXXX. I think the multiple names are an intent commit fraud or something. Please help. I want these charge offs off my credit. Actually, they should be marked as paid. The first account needs to be marked paid as well.
Product: Debt collection

Back in XXXX My ex husband XXXX XXXX XXXX, ran off to North Carolina with my car never to return. I requested the aid of XXXX, the Police and the DMV with help on this matter. XXXX said that theres nothing they could do unless i waited on payment to have the car repossessed. The police said there is nothing they could do because Virginia is a " whats yours is mine state ", and anything bought during the marriage is equally accessible by both parties, and i could not press charges on him for theft. And the Dmv they did help they helped me cancel the registration and tags on the car. 

By way of social media i was able to track down my ex husband and the car and sent the location to XXXX XXXX- the car was eventually found on or around XXXX. 

I followed up to see how i could obtain the car if at all financially feasible I was told the car was reposed and then taken for an Auction for the remaining balance owed on the car. 
Which means I should not owe anything on the car. 
All the information provided is incorrect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I havethe right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. In effort to clear my report of fraudulent information, I discovered that my name is incorrect. This further proves identity theft. The information associated with XXXX XXXX XXXX must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contacting the companys but I get no answer.
Product: Credit card

I canceled my Amazon XXXX membership 1 year ago. Recently I purchased items from Amazon and when l went to pay my Amazon credit card bill l noticed l have been charged for the XXXX  membership subscription monthly for a total of 6 months.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on your consumer report remains unresolved despite your numerous attempts to address it. This situation has significantly impacted your life, causing considerable stress and anxiety. You emphasize that you did not authorize or consent to the association of this information with your name, as you have been a victim of identity theft.
Product: Debt collection

{$190.00} XX/XX/2018 collection account placed on my credit profile.
Product: Checking or savings account

Today XX/XX/2021. Sister in another state mailed me a sizeable check ( {$500.00} ) to help pay bills due XX/XX/XXXX. I deposited check on Tuesday XX/XX/XXXX at ATM of my exact bank ( worldwide recognized bank ) and got notice on ATM screen thered be a 7 day holdavailable XX/XX/XXXX. 

First, XX/XX/XXXX makes it a NINE DAY HOLD because bank does not include weekends and By XX/XX/XXXX I will be EVICTED. I need that money NOW. 

Called my bank - nothing they can do. A nine day hold is unnecessary. My sister makes > $ XXXX a year, works for herself, her bank XXXX, not unknown. 

This is a my non-regular deposit account, ie, unemployment checks do not go there. Unemployment payments have stopped for unclear reasons. That account was being closed. 

I start teaching XX/XX/XXXX. First paycheck XX/XX/XXXX. 

Cant teach if I am homeless next week.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX This is not mine. 

XXXX XXXX - have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt exists XXXXXXXX XXXX XXXX - Account XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response to the letter I was sent form United States bankruptcy court eastern district of Wisconsin office of clerk dated XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Pa XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 3 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX  XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX Inquiries XX/XX/XXXX XX/XX/year> XX/XX/XXXXXXXX/XXXX/23 XX/XX/XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection XXXX XXXX XXXX Account # : XXXX Account Type : Installment XXXX Account # : XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XX/XX/XXXX All Banks : XXXX  XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards : XXXXXXXX XXXX  XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Used : XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX XX/XX/XXXX Bank Credit Cards : XXXX XX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards : XXXX  XXXX XX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, Used : XXXX XXXX XX/XX/XXXX XXXX Dealers, New : XXXX XXXX  XX/XX/XXXX Credit Cards Issued By Finance XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX Auto Dealers XXXX Used : XXXX XXXX XX/XX/XXXX Complete Department Stores- Clothing : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX Personal Loan Companies : XXXX XX/XX/XXXX XXXX XXXX Processing : XXXX XXXX XXXX  XX/XX/XXXX Auto Dealers, Used : XXXX XXXX  XXXX XX/XX/XXXX Auto Dealers, XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX