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

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writting to disputed HARD INQUIRIES ON MY CREDIT REPORT.I have indentified unauthorized inquiries on my creditd report made without consent. The responsible creditors confirmed they have evidence of my authorization.I REQUEST THEIR IMMEDIATE REMOVAL. ACCORDING THE FAIR CREDIT REPORTING TO SECTION 604 ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authori, theses hard inquiries and can not find any permisssible purpose under this section that justifies their presence on my report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've already dealt with this several times. Transunion is reporting charge off balance $ XXXX, then delinquent, then balance XXXX and then switching back and forth changing it every other week. This is a paid off settlement. I didn't pay {$10000.00} for transunion to continue to drop my scores every week.
Product: Credit reporting or other personal consumer reports

I noticed that accounts from XXXX XXXX XXXX XXXX and XXXX Bank appeared on my credit report without my authorization. I immediately contacted the credit bureaus and the institutions to dispute these accounts and clarify that they do not belong to me instead of properly investigating the issue they suggested placing a fraud alert on my credit report even though I explicitly stated that these accounts were not mines and should be removed This has negatively impacted my credit and financial standing I am requesting a thorough investigation and the removal of these unauthorized accounts from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 account without my written instructions
Product: Checking or savings account

On XX/XX/2022, I made a mobile deposit with my bank Wells Fargo like I have for the past 4 years only this time they decide to put a hold on my deposit until the XX/XX/2022. This has caused me more over-drafts and returned payments that I have had to pay extra fees on. I am also struggling to get to work and put food in my home for my children. Also note on top of this deposit I also receive a regular direct deposit every XXXX weeks of $ XXXX. I have called multiple times and they refuse to allow me to speak to a manager about removing the hold. They basically tell me there is nothing they can do but make me suffer and hold my money hostage.
Product: Credit card or prepaid card

I tried multiple time to get what was actually due for the card and never provide information. I was making small payments and didnt offer payment plans at all. Then charged off my account in less then 60 days.
Product: Student loan

Navient began calling me several months ago, saying that I had a payment due. I knew this was not the case as I did not graduate until XX/XX/2016 ( XXXX until that point ). I was told they were contacting me on behalf of XXXX XXXX as my account was in collections. So, I contacted XXXX XXXX directly. I made sure they had my enrollement verification on file and that all was well. However, Navient kept calling SEVERAL times a day - both me and my mother. On average, they call my cell phone 7 times per day, my mothers cell phone 7 times a day, and her office 5 times per day. Sometimes a few more times, never any less. I started ignoring the phone calls as I was told by XXXX XXXX that I did not owe them any money. Navient began leaving voicemails for both myself and my mother each time they called. The voicemails always last at least 30 seconds, but there is never anyone talking, all you can hear is background noise ( people talking at a distance ). Oftentimes when they called, the phone would ring for about 5 seconds and they would just hang up. At this point, I began to suspect that it was not actually Navient trying to contact me, but someone attempting to steal my identity. What credible company does things like that?? At one point, I answer their call, and they tell me they are calling on behalf of my federal student loans and that I was delinquent and needed to make a payment. I knew this was not the case, so I hung up immediately. Today, I decided I had finally had enough. I called Navient and spoke with someone, demanding they explain why they had not stopped calling me. It turns out that Navient purchased one of my loans FROM XXXX XXXX, THEY WERE NOT CALLING ON BEHALF OF XXXX XXXX AS THEY HAD TOLD ME IN THE FIRST PLACE. After being transfered to speak with a supervisor, I told him I had no idea what had been going on as I had been misinformed by several of Navient 's employees in the past. I told him I would upload my enrollment verification form immediately so that I could use up the rest of my grace period. The supervisor then told me that it was too late and I was no longer entilted to the grace period and I had to make a payment at that exact moment or else my delinquincy would begin to show on my credit and my mothers credit ( she is the cosigner ). I insisted that I knew I had a legal right to 6 months grace period, starting at the moment that I was no longer a XXXX. His tone and words began to change slightly, but told me that I would need to call back in an hour after I had uploaded the verification form to see if they would be able to complete the request in time to avoid credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Debt collection

This complaint is towards ProCollect Incorporated, XXXX XXXX XXXX XXXX  XXXX, Texas XXXX, and. XXXX at XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX. ProCollect is attempting to collect a debt, but the debt is an error on hehalf of their client XXXX of XXXX. XXXX or ProCollect has not told us specifically what it is we did or didnt do warranting the {$25.00} charge? 

Ive received correspondence and phone calls from ProCollect initially accusing me of living at XXXX of XXXX. Ive never lived there, it was my daughter who lived there. My daughter lived there while attending XXXX XXXX XXXX. I, her father, was the guarantor. The problem is, XXXX at XXXX charging us in error. 

XXXX description indicates Damage Charges, and the notes area states XXXX Common Area Trash Removal. We absolutely removed all the garbage from the room. We thoroughly cleaned the place, as a matter of fact, my wife made a comment as to its cleanliness as we spent 2 plus hours cleaning. 

XXXX at XXXX has not responded to 2 certified letters sent to their location. Interestingly the first certified letter supposedly did not reach XXXX. I wrote a second certified letter to XXXX XXXX of XXXX, XX/XX/2023, addressed to XXXX XXXX. Tracking the second letter it reached its destination. However, I did not receive a response. The certified letters delivered to XXXX, it requested specifically from XXXX of XXXX ; what was it that we did not clean? 

A specific document, XX/XX/2023 I received a call from ProCollect, a man name XXXX XXXX XXXX, and he was aggressive and very rude. He didnt want to hear anything I had to say and He said just before hanging up I will annotate your account as refusal to pay. I responded to him, thats not what I said the call ended. 

Its almost as if XXXX is trying to teach a XXXX person a lesson. Example, a XX/XX/2023 letter states Negative information on your credit report typically remains for seven ( 7 ) years after the original date and may significantly affect your ability to : ( 1 ) Obtain additional credit ( 2 ) Obtain employment ( 3 ) Purchase a home or car; and ( 4 ) Qualify for an apartment rental. 

Those are all scare tactics ; Im XXXX, Im a XXXX  and a man of proven integrity in the community and the city ; Im also a small XXXX XXXX, have my house, have cars, and I dont need to rent an apartment. Have worked hard all my life. 

I called ProCollect today at around XXXXXXXX XXXX, spoke to a supervisor. Told him what was happening, that Im trying to prevent it from going any further because it means I must then get an attorney involved. He said something to the effect, youll get an attorney involved for {$25.00}, go ahead. 

I don't owe XXXX anything, and ProCollect I believe knows that but proceeding to hassle and threaten me for {$25.00}. No one deserves to be treated this way. If I owed XXXX the money I would have paid them but I don't owe them. XXXX has cameras throughout the building, and XXXX has these types of issues I'm sure XXXX keeps the video footage. XXXX can show me and my family in and out of my daughters apartment taking garbage to the garbage shoot, dumping the garbage.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit act this credit has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card or account under an open consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My letter below to TransUnion describes the problem I am having with them. They are not critically looking at the merits of the information provided by a collection agency. They are just " checking the boxes ''. 

-- -- TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
XXXX, PA XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madame : I am XXXX XXXX and this in reference to TransUnion file number : XXXX I am writing to request that incorrect derogatory information on my TransUnion credit report be immediately removed from your reporting. 

This is regarding information that was provided to TransUnion by a collection agency named XXXX XXXX XXXX, # XXXX Over the course of the last couple of months I have used your online dispute resolution process twice and your call-in process once. Both have had unsatisfactory results. 

Each time, TransUnion responded to my dispute request by stating, in a form letter, that the information provided by the collection agency, such as my name and address, was accurate. This collection agency apparently did provide some document showing me as a debtor. 

What I really need TransUnion to understand is that : I did NOT enter into a debt arrangement with this collection agency, or the organization they represent. The organization they are representing is a former employer that is attempting to use the credit agency process to claw back compensation paid to me. 

This is NOT a debt issue, if anything it is a contract issue, and the reporting agency should take legal action if they believe they are justified in doing so. TransUnion is not able to pass legal judgement on a contract dispute. 

I need TransUnion to do more than check the boxes here as it is my credit record that is being adversely impacted without justification. 



Regards, XXXX XXXX
Product: Credit card or prepaid card

Applied for Discover XXXX XXXX XXXX which clearly states no credit required. No credit report. They have checked my credit report in XXXX lowering my score.
Product: Credit reporting 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 : //www.ftc.gov 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 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter 90 days ago heard nothing back, tried calling no answer, cant get through, extreme wait times, and IVR systems that take you around in circles
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate bankruptcies record appearing on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information contained in a consumers file is accurate, verifiable, and reported in compliance with federal law. However, the bankruptcy record on my report has not been validated, nor has it been properly furnished by any legitimate source. 
The XXXX Bankruptcy XXXX has confirmed that it does not report to any credit reporting agency and is not the furnisher of any such information. Bankruptcy filings are public records, but their mere availability does not constitute a valid furnishing of data under the FCRA. Additionally, XXXX, a third-party data provider, has failed to verify the accuracy of this record, further proving its invalidity. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Your failure to verify this bankruptcy record with the original creditor, or any legitimate furnisher, constitutes a direct violation of this federal law. Furthermore, your continued reporting of unverified information is a deceptive and misleading practice, which is a violation of 15 U.S.C. 1681s-2 ( b ). The willful noncompliance of these statutes subjects your company to civil liability under 15 U.S.C. 1681n. Due to these legal violations, I have suffered significant financial and emotional distress, including the inability to obtain credit and personal hardship. As you have failed to properly validate, verify, or lawfully report this bankruptcy.
Product: Student loan

At the time of enrollment I was guided by one of their financial associates on how to pay for the remaining cost of tuition. This was XX/XX/XXXX. I was apprehensive about this near XXXX loan. The financial advisor of XXXX XXXX XXXX XXXX XXXX explicitly said that I could recieve a loan without a cosigner from one of their partners and you can pay it back after you compete the program, it will just grow interest. I chose to go with Tuition Options. So by XXXX, I am wondering where the money went, because I don't have it and XXXX doesnt have it. I begin to ask around and make sure to get all future conversations through text message and email. Because By XXXX I started to face threats that I would be dropped if I daont pay their loan back. It does notadd up. I believe XXXX and XXXX are using XXXX  XXXX to open fraudulant loan accounts in order to get students to pay way more money than they need to. No loan, Yet I am supposed to pay a loan back while I am in school full time! I ended up having to begg my parents for the money to not get dropped from the school.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX and XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602A. 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been validated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.
Product: Mortgage

I refinanced my mortgage using XXXX earlier this year. I received notice that TMS ( a part of XXXX ) would be servicing my mortgage. I set up autopay like I have for many mortgages Ive paid in the past and thought nothing of it. The first day after my payment should have been withdrawn from my bank account I checked my back and the money was still in my account. No problem at this point, maybe I screwed up. I called customer service verified the account number, setup autopay again, and paid my mortgage on time. The next month it happened again. I escalated the issue after reading other customers were having similar issues. Again paid my mortgage on time after an hour speaking with the service rep. The next month ... which triggered this complaint ... it happened again. The service rep was in complete disbelief that her system was at fault. After she read the detailed notes of the month before she realized this was a greater issue on my account since payments continued to fail to be processed. 
My compliant is twofold. 1. TMS needs to get its act together. 2. Why is there not an option for a dissatisfied customer to simply change mortgage service providers?