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

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX, DEPT OF  ED/XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations '', as well as, the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}, but proceeded to tell me only 9 days after statement that was sent, the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people, particular the employee XXXX.
Product: Debt collection

On XX/XX/2023, i got an alert from XXXX that " Credit Control , LLC '' has opened an account for me in XXXX with account number appearing as XXXX. 
From XXXX website i found that it is showing original creditor as " XXXX XXXX '' and amount as {$3300.00}. 

When i called this XXXX XXXX company on XXXX, it has recording that says leave the voicemail but voicemail is also full - so can not leave any XXXX. 

Then i called XXXX XXXX to find out what is this about and they confirmed that i don't have any active account with them and also don't have any pending balance from past. As of today, i do not have any services from XXXX XXXX. 
So, to me this issue seems like a fraud and i have notified to XXXX as well and they are also investigating. 

I wanted to make sure this XXXX XXXX company is not doing fraud with other people. 

Please get it checked out. 

regards,
Product: Student loan

Sir or Madam, I trust you and your team are safe and sound. In the last 180 days, I have received calls from a Student Laon Forgiveness Program. They keep saying I need to complete my application. I have no idea what they are talking about to date. I asked Great Lakes about it and they informed me it is not from them. The last number is XXXX and the poc number is XXXX. 
Please confirm that I am not missing a great Federal Program or that is a scam. Thank you in advance for your assistance with this matter. 

V/r XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed bankruptcy in XXXX of XXXX. It was XXXX in XXXX of XXXX. There was a mortgaged included in bankruptcy that was not reaffirmed, so nothing was to be reported after bankruptcy discharge in XXXX of XXXX. Upon checking my credit report and score, I noticed that XXXX is showing it's been 2 years since my last late payment, which is much different than 4 years and can significantly impact my credit score. I knew that was incorrect as I've not had a late payment on anything since bankruptcy. Upon investigating where that came from, they're saying that my mortgage company reported a delinquent payment in XXXX of XXXX. I contacted my mortgage company and the account was " discharged '' to credit bureaus XX/XX/XXXX due to bankruptcy as well as my account being paid in XXXX of XXXX on time even though it can't be reported due to bankruptcy. I have disputed this 3 times with XXXX and once with Transunion and XXXX, and even included documentation that the mortgage company gave me stating that there is no delinquent payment in XXXX of XXXX, but XXXX is closing my dispute as " remains '' each time due " The company that reported the information has certified to XXXX and Transunion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX has updated and corrected it on their end. 

It should be 4 years and 5 months since my last late payment, not 2 years.
Product: Student loan

On XX/XX/2020, I requested copies of the promissory notes for my loans serviced by Firstmark Services. I received a message dated XX/XX/2020, that I can expect to receive the copies via email within the next 30 days. I had not received them within that time frame. I then followed up by phone with Firstmark on XX/XX/2020. The request was apparently resubmitted. I still have not received these documents to understand the terms of the loan.
Product: Debt collection

This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.
Product: Credit card or prepaid card

the keep adding charges to my closed account I paid and the said oh not you owe late fee I said XXXX I paid and they keep adding charges. I am retired and on SS not paying XXXX charges. Home Depot stinks
Product: Debt collection

Time was spent call XXXX, typing and creating dispute letters, and licking a credit reports. Time was spent going back and forth to the post office. Time was spent finding errors on my credit. Reports time was spent calling XXXX multiple times. Time was spent filling out envelopes.Time was spent printing and signing dispute letters. Time was spent filling out usps certified mail forms. Time was spent in line at the post office
Product: Credit card or prepaid card

On XX/XX/2019, I identified what appear to be several fraudulent transactions on my Bank of America credit card account, following extensive travel within the US.  My card was no longer in my possession, and it is my belief that the card was stolen and/or cloned, as there were many transactions that I could not identify during this period. I contacted Bank of America over the phone, attempted to identify all possible fraudulent transactions with the attending agent, and was informed that a fraud investigation had been opened. 

On XX/XX/2019, the Company issued several provisional credits for these unidentified charges. In the subsequent three weeks, I have received no written correspondence as to the opening of this fraud claim nor its ongoing status. Rather, to obtain the latest status report, it appears I am being forced to access the online Message Center, where the status this entire time has and continues to be, " Researching claim ''. 

I do not believe this behavior is in compliance with the Fair Credit Billing Act, which requires formal written correspondence for these matters. Additionally, I would note that I have never opted into paperless delivery of any account communications, much less something as significant as fraud. 

Further, I do not feel my consumer rights are properly protected, if I am being forced to continually access the portal for updates or possible future information requests from the Company during their process.
Product: Debt collection

XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$13000.00} } with all 3 credit report agencies. I requested verification of the debt and account, however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ].

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA.

account-XXXX XXXX  XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of  the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE  VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any  information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from Equifax. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because Equifax should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.
Product: Credit reporting or other personal consumer reports

On all 3 credit reports my XXXX credit account is reporting a charged off account with XXXX paid. I have not missed a payment in the last 2+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to resolve any listed credit pulls with companies
Product: Checking or savings account

I had initiated a online Funds transfer on XX/XX/2023 from my savings account at CHASE bank to my new account at the XXXX XXXX, my account at the XXXX XXXX is a verified account ( by Chase Bank ) instead of transfering the money as requested Chase Bank rejected my request, is Chase Bank failing or going under that they are preventing customers from withdrawing funds from their accounts? these actions of Chase Bank is deterimental to regional banks, I am wondering if Chase Bank is trying to cause regional banks to fail? 

I want you to initiate an investigation into Chase Banks illegal activities, and also help me recover my funds from my Chase savings account ( my funds in the savings account are seaoned funds not new deposits ) XXXX XXXX
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX XXXX ( XXXX ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that XXXX immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

0n XX/XX/XXXX i went to the dealership to lease a vehicle under my company 's business I GAVE THEM MY CREDIT REPORT ALONG WITH MY COMPANIES INFORMATION. 
THEY HAD NO RIGHT PULLING A CREDIT REPORT WHEN I ALREADY GAVE THEM MY REPORT. 
A MONTH AFTER I RECEIVED THE VEHICLE, I NOTICED THAT DEALERSHIP WHICH IS XXXX OF XXXX XXXX XXXX XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX XX/XX/XXXX ) THEY WERE NEVER AUTHORIZED XXXX PULL MY CREDIT REPORT NOR DID THEY HAVE CONSENT TO PASS MY INFORMATION TO A THIRD PARTY XXXX  SENT ME A LETTER ( SEE attachment ), STATING THE INFORMATION IS ACCURATE WHICH IS FALSE. AND THEY NEVER SENT EVIDENCE TO PROVE I AUTHORIZED THESE INQUIRIES.

I ALSO SENT A LETTER TO THE LENDER ( SEE ATTACHMENT ), LETTING THEM KNOW I NEED TO SEE EVIDENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

You 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

Where are the documents that you use to validate the accuracy, please send them to me immediately. They put this account on my credit report without first validating any information. That is against the law and that is a Fair Credit Reporting Act violation. Please help me get this off my credit report.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT UNDER FCRA 605B ALL FRAUD MUST BE REMOVED, ALL FRAUDULENT ACCOUNTS CREATED UNDER MY NAME WITHOUT MY CONSENT ARE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ALL FRAUDULENT ACCOUNTS