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

XXXX XXXX XXXX XXXX XXXX identify account number by social security last XXXX XXXX number, XXXX XXXX identify account by social security number last XXXX XXXX XXXX. XXXX USC 1692 c Law clearly states If a consumer refuses to pay a debt, the debt collector must cease all communication. Including removal of credit reporting. 
3. 15 USC 1692 ( g ) debt validation. Validate the debt, according to consumer law once notified debt collector must immediately stop reporting or validate the date.

4. 15 USC 1681 ( b ) Permissible purpose. Please send me an original contract with original wet signature proving proof consumer in contract also a verified letter of consumer giving authorization to report on credit report. This is a direct violation of consumer law sit in place by the FRCA and USC.

5. 15 USC 6802. ( OPT OUT ) Company refusing my consumer rights to opt out a direct violation of my consumer protection rights.

6. 18 USC 1028 ( a ). Passing information without lawful authority. Is Aggravated Identity Theft. XXXX XXXX and Equifax are all involved in this conspiracy with these debt collectors.

7. 15 USC 1692 ( f ) part 6 unfair practice. Disclosure of personal information to a third party without authorization from the consumer is identity theft. Every company on the credit report is involved in identity theft including XXXX, XXXX and Equifax. When a company send a collection agencys, repo companies a consumer personal information without authorization from the consumer, thats identity theft and its being reported on these credit bureaus platform is the proof the courts need. 
No consent has been authorized from the consumer XXXX XXXX XXXX Therefore XXXX, XXXX and Equifax must be Investigated also for playing a major roll helping these companies violate every major consumer protection law, under USC. also send the consumer a full report on everything law mentioned above showing every company is operating by FRCA consumer laws and not in violation of not XXXX law mentioned above including all three credit bureaus, please show proof that your companys are not in violation of any code mentioned above which if not operating under law. A judgment of summary must be filed on each and every company in violation.
Product: Student loan

I contacted Navient on XX/XX/18 and spoke with XXXX regarding my private loan repayment options. My loans were going into repayment, and the nearly {$800.00} a month they were asking for was not feasible. I was advised by him that he could get them to {$310.00} a month, but I had do automatic deduction from a checking/savings account. I told him I could not do that, and he advised me that he could not help me any further. 

I contacted Navient again on XX/XX/18 after receiving a letter that my payment was past due, and to contact them so they could work something out. I spoke with XXXX and advised her that I was unable to pay more than {$300.00} a month. She said she didn't know if she could get it to that, that she could fill out a financial form and see. She asked how I would make my payments, and I advised her that I would make my payments on-line. She told me that unless I do automatic deduction from a checking/savings account, they would not help me. She advised me that the loans will go on my credit on XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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

My name is XXXX XXXX I need a service charge for a wire transfer fee I got billed for {$30.00} over a wire transfer I did for {$750.00} on XX/XX/year> when I called customer support XXXX times they claimed they couldnt credit my account because the system won't allow them credit it back to my account or it wasnt eligibility to credit back credit it back to my account for me please etc. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results.
Product: Credit reporting or other personal consumer reports

I am disputing all items named in this letter and pursuant to 15 U.S. Code 1681a ( m ) that express The term credit '' that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account. Therefore, under Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. But XXXX did not do this and has been reporting negative information.
Product: Mortgage

In XXXXXXXX XXXX XXXX, I entered into a loan modification agreement with Mr. Cooper mortgage company. Per the agreement, the first three payments ( trial period payments ) would be made XXXX XXXX, XXXX XXXX, XXXX XXXX. The payment would have to be received by the last day of each month. The first payment I made was received and posted on XXXXXXXX XXXX. The payment was made by XXXX XXXX XXXX Collect to ensure funds were received within an hour of payment being made. The second payment was sent on XX/XX/year>. It was also made by XXXX XXXX XXXX XXXX and funds should have been posted within an hour. 
As of today, XX/XX/year>, Mr. Cooper can not locate my payment. I reached out to them on XXXX ( the day after I made the payment ), XXXX, and several dates leading to today. I previously put in a request to the research department to have this matter investigated. I forwarded a copy of my receipt of payment to the mortgage company. XXXX sent a letter stating that the accounts department would have to locate my payment. To no avail, my payment still has not been located. XXXX XXXX has confirmed that the funds were sent and received by Mr. Cooper on XX/XX/year> at XXXX. I was informed that the modification agreement has been denied because of non payment and that my home would go into foreclosure status XX/XX/year>. I need assistance and answers with understanding how this happened and why I'm being penalized for this mishap on behalf of Mr. Cooper.
Product: Checking or savings account

Bank o America has closed not just some -- but ALL of its branches despite a sign referring neighborhood BofA customers to their website to determine open branches. There are none! Customer service is non-existent with hour-long and more phone waits accompanied by recordings and cutoffs. Communications through website and email are are dead-ends. The security is such that it is impossible to get through. One e-mail was sent with documents attached but it is impossible to determine whether or not they were received as no verification or response is forthcoming despite multiple attempts at contact. A Death Certificate, Short Certificate/Letters Testamentary and copy of Executor of Will 's personal PA drivers license raise cause for concern that personal information, hacking worthy might be at risk. The Bank of America is sitting on a {$20000.00} CD needed to settle an estate in the COVID19 era with the bank apparently hiding behind the pandemic to avoid payouts and customer disservice complaints.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

I NEVER USE MY INFORMATION OR PROVIDE MY INFORMATION TO ANY OF THIS COMPANYS I DISPUTE ALREADY ON MY CREDIT BUROS BUT STILL REPORTING SOME OF THEM i request help to investigate. i also notice that are auto financing companys and i dont have any valid driver license i demand must be delete from my credit report since i dont reconized any of this hard inquirys XXXX inquiry date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX XXXX inquiRY date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted CFPB in regards to the XXXX XXXX XXXX 's lawsuit settlement. They provided me with a positive response in that they will contact the 4 major credit bureaus to remove the inaccurate account from my credit report. I have the letter as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX I received a letter from Synchrony Bank stating that a credit application had been denied back on XX/XX/2022 and listed a XXXX XXXX that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to XXXX and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact XXXX XXXX they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact XXXX XXXX I did contact XXXX and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called Synchrony Bank back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with XXXX is XXXX Synchrony Bank Did not provide a reference number to any of my calls just that I spoke with XXXX Rep Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Account charged off. {$13000.00} written off. {$7500.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Sir/Madam, I found a fraudulent charge on my savings account when I was looking back the transaction history on XX/XX/XXXX. I found one of my personal check was used by someone whom I don't know for XXXX $ on XX/XX/XXXX in XXXX XXXX XXXX, XXXX. 

The check was cashed to " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX  The check payee name is : XXXX XXXX I XXXXontacted my bank ( Bank of America ) as soon as I realized this fraud and raised complaint on XX/XX/XXXX. They took 90 days to investigate and told me today that they can't process this request as it is beyond 60 days from the date of incident, as per bank policy. 
So I am raising this complaint to you. Kindly do the needful. 

Please let me know if you need any further details.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS AND TAX LIEN APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account XXXX ( XXXX XXXX ) 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 furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It would not let me file dispute for fraudulent credit card that was open in my name with XXXX XXXX. It was opened on XX/XX/2024. It is a XXXX XXXX. I try various times and it would give a link to file a dispute. When I tried it let dispute the different phone numbers and address on the credit report. I want a copy of my credit report. I want file a complaint for not allowing me to file multiple dispute, although their website failed claims that you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to checkout what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness. 

Inquiry Date : XX/XX/2017 Business Type : Sales financing company Contact Information : XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
Product: Debt collection

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XX/XX/XXXXXXXX. 

Account Number : XXXX Amount : XXXX, XXXX - XXXX : {$0.00} Date of AccountXX/XX/XXXX/2023
Product: Debt collection

My appointment was XX/XX/year> and in that time I have XXXXXXXX XXXX with XXXX XXXX XXXX XXXX, I receive the bill many times and now I received a collection letter. I do not know if XXXXXXXX XXXX XXXX  send the bill to my insurance but I dont have to pay anything. 
My reference for the collection is XXXX. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
The account for XXXX XXXX XXXX is XXXX My Medicaid number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has settled a lawsuit with my state SC for their predatory lending practices and agreed to remove negative reporting on affected consumers reports. I disputed this companys negative inaccurate information and nothing was done except the company adding an additional negative damaging statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is been unwilling to correct my credit report and make updates and correct personal information. This is going on since XXXX til XXXX and NC Attorney General office has also tried to get them to fix this * Wrong places i lived * many wrong address listed * And my work history is also wrong as i have sent many times. My credit reports are wrong listed info You, ll see all my reports and copies is the same as they have had 4 long yrs is too long messing with these people
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXXXXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. 

I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

My loan has been in deferment since XXXX. I am a XXXX, full time XXXX XXXXt, and XXXX % service connected XXXX. This year, especially over XXXX, XXXX, and XXXX XXXX, certain loan amount have doubled or otherwise increased, and been reported to credit agencies. I have submitted requests for deferment and for 2 years was making payments on my loans with no decrease. My loans are not supposed to increase during deferment and enrollment full time, and I have taken no other loans which would compound current amounts. This change is fraudulent and the fees are exhorbitant. One of the loans increased from XXXX to XXXX in the space of one month. This is unacceptable and I demand Navient and her subsidiaries correct this error and adjust the fees as federal statutes outline.